Business finance specialists
Funding to support the next stage of your business
Access to appropriate funding can play an important role in the growth and stability of a business. Whether the objective is expanding operations, managing working capital, acquiring equipment, or purchasing commercial property, the way finance is structured can influence both flexibility and long-term financial outcomes.
At Amica Finance, we assist businesses across Australia in arranging lending solutions aligned with their operational needs and financial position. By working with a broad network of lenders — including major banks, specialist commercial lenders and non-bank institutions — we are able to explore a wide range of funding options.
- Secured and unsecured business lending
- Equipment and asset finance solutions
- Invoice and cash flow funding
- Access to a broad network of commercial lenders
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Tailored business lending structures
Business finance can be structured in several ways depending on the purpose of the funding, the financial strength of the business and the security available.
Secured business lending
Loans supported by security such as property or business assets, often providing access to larger loan amounts and longer repayment terms.
Unsecured business lending
Funding arranged without asset security, generally suited to smaller funding requirements or short-term business needs.
Equipment & asset finance
Structured lending for vehicles, machinery and essential business equipment.
Invoice & cash flow funding
Solutions designed to support working capital where businesses require improved liquidity between invoicing and payment cycles.
Business finance in Australia
Access to appropriate funding can play an important role in the growth and stability of a business. Whether the objective is expanding operations, managing working capital, acquiring equipment, or purchasing commercial property, the way finance is structured can influence both flexibility and long-term financial outcomes.
For many business owners, navigating the lending landscape can be time consuming and complex. Each lender has different requirements, assessment criteria and loan structures, and identifying the most suitable option requires careful consideration.
At Amica Finance, we assist businesses across Australia in arranging lending solutions aligned with their operational needs and financial position. By working with a broad network of lenders — including major banks, specialist commercial lenders and non-bank institutions — we are able to explore a wide range of funding options.
A considered approach to business lending
Before recommending any lending solution, we take the time to understand the fundamentals of your business. This includes reviewing:
Business financial performance and cash flow
Existing lending and liabilities
The purpose of the funding
The long-term direction of the business
By presenting lenders with a well-structured application supported by clear financial information, we aim to ensure the process is efficient and that lenders can properly assess the strength of the opportunity.
Frequently asked questions
How long does my business need to have been operating to obtain finance?
Many traditional lenders prefer businesses to have at least two years of trading history. However, some specialist lenders may consider businesses with shorter trading periods where strong revenue and cash flow can be demonstrated.
What documentation is usually required for a business loan?
Lending requirements vary depending on the type of finance and lender involved. Common documentation may include recent business financial statements, tax returns, business bank statements and information outlining the purpose of the funding.
Can sole traders obtain business finance?
Yes. Business finance can be arranged for sole traders, partnerships, trusts and companies. In many cases, the personal credit profile of the business owner will also form part of the lender's assessment.
What is the difference between secured and unsecured business lending?
Secured lending involves providing an asset — such as property or equipment — as security for the loan. This may allow access to larger borrowing amounts and more favourable lending terms. Unsecured lending does not require asset security but may involve higher interest rates or shorter repayment terms.
How much can a business borrow?
Borrowing capacity depends on several factors, including business revenue, cash flow stability, existing liabilities and the type of lending being considered. Secured lending against property may allow for substantially larger funding amounts, while unsecured lending is typically structured for smaller capital requirements.