Vehicles / transport
Rideshare and rental fleet: 15 extra vehicles
The hurdle
Rental, rideshare and transport files often tighten at the first screen. A traditional path also wanted full business accounts this operator could not produce.
How it was prepared
We framed it as a fleet expansion and used a path that reads bank statements more than a tax portal. The lender worked from about six months of statements.
The assessment later supported about $500k for 15 extra vehicles. Approval always sits with the lender. The same sector will not always fit the same path.
Care
NDIS provider: director and staff vehicles
The hurdle
NDIS files are usually read more tightly. These accounts were shaped for tax. A standard asset panel stopped at net profit, even though trading cash was stronger than the profit line.
How it was prepared
We did not resubmit the same pack. The vehicle need was split across lenders more used to this industry, with evidence that could be checked without forcing a full financial set.
The later conversation supported about $600k for a director vehicle and eight staff vehicles. That is not a claim that NDIS businesses are always fundable. It shows a different assessment lens can matter more than sending the same file again.
Construction
$350k working-capital line, property left unencumbered
The hurdle
The builder needed a cash buffer of about $350k. At that size, many lenders ask for property security. The owners would not encumber the house.
How it was prepared
The talk stayed on the business and how the money would be covered, not on collateral first. We matched lenders that could consider an unsecured structure when purpose and trading were clear.
The later facility was about $350k, unsecured. The property was not used. Unsecured is not a default option. Amount, industry and lender policy all change that.
Refinance
Two expensive facilities combined into one
The hurdle
The business sat on a high-cost line of about $250k and a short-term business loan of about $150k. No property was available. Payments stacked and cash got tighter.
How it was prepared
We laid out balances, terms and the real cost of both facilities, then prepared a single longer facility rather than adding another short-term layer.
The later arrangement was about $430k unsecured over five years, with one repayment. Pricing is not published here. Combining debt is not a promise that existing lenders will be refinanced.
Hospitality
Cafe $100k overdraft, conversation in four days
The hurdle
On a one-line summary the cafe showed ATO arrears, older short-term credit, personal fines and a recent bank dishonour. That package is easy to read as risk, or to price expensively.
How it was prepared
We walked the statements line by line. The dishonour was a personal super transfer. The old working-capital debt had been paid out. Personal fines were separated from the trading account.
A prime lender later supported a $100k overdraft in about four days. Speed does not repeat on every file. The work was making the “risks” readable before quoting a round number.
Tax and succession
Older auto-parts director: working capital and an ATO plan
The hurdle
Monthly revenue was about $650k. The director was in his seventies. Several lenders stopped on age. The business was also on an ATO arrangement of about $230k, while it needed about $250k for stock.
How it was prepared
A succession plan was written so the file showed continuity, not only age. The tax arrangement and the stock need were explained separately.
The later approval was about $500k unsecured. The tax plan and stock were addressed inside two weeks. Age is not an automatic decline, but it usually needs extra context. We have not invented staff names or licence numbers here.
Personal / refinance
Personal debts wrapped into one secured facility on a vehicle
The hurdle
Several personal facilities were running at once — credit cards plus an existing personal loan. Monthly repayments stacked. A missed credit-card payment sat on the file and was easy to read as “stress” if left unexplained. The owner needed the personal side tidied without pretending it was a business working-capital story.
How it was prepared
We listed balances, rates and due dates, separated personal purpose from any business narrative, and framed a longer secured personal pathway against a vehicle the client already owned (not asset finance for a new purchase). Stable employment and clean recent statements helped the story. The missed payment was explained as a one-off, not ongoing delinquency.
The later conversation supported a personal facility in the order of about $60k over roughly seven years, secured against the vehicle, to wrap the cards and personal loan into one repayment. Pricing is not published here. Approval always sits with the lender. The same structure will not fit every credit file.
Hospitality
Restaurant working-capital line; second entity kept separate
The hurdle
A hospitality operator needed working-capital flexibility in the order of about $50k — wages, suppliers, quiet weeks. There were four directors and a second business under a different entity. Early lender questions leaned toward linking security across companies. The owners did not want a cross-company guarantee dragging the second business into the restaurant file.
How it was prepared
We mapped entities, directors and where cash actually moved. The facility ask stayed on the trading restaurant entity. The second business was documented as separate — ownership and cash flow boundaries written down — so the conversation did not default to “guarantee everything.” Purpose and repayment rhythm (draw when quiet, repay when busy) were spelled out without quoting promotional first-drawdown discounts on the public case page.
The later arrangement was a line of credit style facility around $50k for the restaurant side, without forcing a cross-company guarantee onto the second entity. Amount, structure and conditions always sit with the lender. Multi-director / multi-entity files will not always clear the same way.
These notes are anonymised general information. They are not credit advice and not a loan offer. Any finance is subject to lender assessment, eligibility and approval. Past outcomes do not mean a future application will be approved. Easy Wealth Consultancy is an adviser and does not lend.
