Business Loans Designed to Grow With You
- Get better mortgage advice
Running a Business? Time to Get Strategic with Finance.
You’ve built something solid, but scaling takes capital, clarity and a lender who gets your business model.
At YMB, we help Australia-based business owners:
- Secure working capital for growth, hiring, marketing or equipment
- Refinance existing business debt for better cash flow
- Understand secured vs unsecured business loan options
- Align finance with broader wealth and tax strategy
Whether you’re self-employed, running a company, or managing multiple entities — we’ll match the structure to your goals.
What Kind of Business Finance Do You Need?
- Working Capital Loans – short-term flexibility for payroll, marketing or growth
- Equipment Finance – fund vehicles, machinery, tech or fit-outs
- Line of Credit / Overdraft – manage cash flow without draining reserves
- Secured Business Loans – lower interest, longer terms
- Unsecured Business Loans – fast approval with less paperwork
- Commercial Property Loans – finance an office, warehouse or shopfront
The Finance Partner Your Business Deserves
- We’re brokers and business owners ourselves, not banks, your goals come first
- Access to 40+ lenders, including specialist and non-bank options
- End-to-end support: from application through to settlement
- Strategy-first approach: structure loans to support tax-efficient strategies (in consultation with your adviser)
- Support for PAYG, sole traders, company structures and trusts
We’re brokers and business owners ourselves, not banks, your goals come first
Access to 40+ lenders, including specialist and non-bank options
End-to-end support: from application through to settlement
Strategy-first approach: structure loans to maximise tax and growth potential
Support for PAYG, sole traders, company structures and trusts
Testimonials
YMB secured my first home loan with the best rate possible! The process was smooth and stress-free.
Highly professional and efficient! They guided me through every step and found the perfect loan for me.
I was struggling with my mortgage options, but YMB made it so easy! Super helpful and friendly team.
Highly professional and efficient! They guided me through every step and found the perfect loan for me.
Simple Process. Serious Results
1. Discovery Call
We review your business and financial goals
2. Loan Strategy
You receive tailored options across lenders
3. Application Support
We handle documentation, financials and liaising with lenders
4. Funding Delivered
You get the capital — fast, clear and with a game plan
Business Loan Questions? We've Got Answers
Secured business loans require collateral (property, equipment, or other assets) and typically offer lower interest rates, higher borrowing amounts, and longer terms. Unsecured loans don’t require collateral but have higher rates, shorter terms, and are generally faster to obtain.
Timeframes vary by loan type. Unsecured business loans can be approved within 24-48 hours with funds available in 3-5 business days. Secured business loans typically take 1-3 weeks, while commercial property loans may take 3-6 weeks from application to settlement.
Yes, lenders offer solutions specifically designed for self-employed business owners. The documentation requirements and loan options may differ from traditional PAYG borrowers, but we specialise in finding the right fit for various business structures.
Not always. While traditional lenders typically require 2 years of financial statements, many alternative lenders offer low-doc options requiring only 6-12 months of bank statements or BAS statements. Some higher-rate options even require minimal documentation for fast funding.
This depends on your specific needs. Line of credit facilities offer flexible ongoing access to funds for day-to-day expenses. For one-time capital injections, term loans provide structure. Invoice financing can help with cash flow if you have outstanding receivables.
Borrowing capacity depends on your business revenue, profitability, time in operation, and whether you’re offering security. Unsecured loans typically range from $5,000 to $500,000, while secured business loans can range from $250,000 to several million dollars.
Yes, there are lenders who specialise in providing business finance to borrowers with credit challenges. While interest rates may be higher, these loans can help address immediate capital needs while rebuilding your credit profile.
Equipment finance is specifically for purchasing business assets (vehicles, machinery, technology) with the equipment itself serving as collateral. These loans often have favourable tax treatment through depreciation – consult your accountant to confirm suitability.. General business loans provide funds that can be used for any business purpose.
Smarter Capital for Smarter Businesses
Don’t let cash flow hold back your next big move. Get a business loan with expert guidance and a clear strategy behind it.
The information on this website is general in nature and does not constitute personal financial, legal, or tax advice. Please consult a licensed financial adviser, tax professional, or legal adviser before making any financial decisions.
YMB provides credit assistance and lending structuring services only. We do not provide personal financial advice or tax advice.