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Business Finance

Commercial loans, asset finance, equipment lending, business overdrafts and working capital solutions, structured by an accredited broker who understands both the finance and the business behind it.

FBAA Accredited
MFAA Accredited
Commercial Lending Specialists
Business Operator's Perspective
20+ Years Experience
Business Finance by JBF Solutions

Finance Structured to Match Your Business, Brisbane Business Finance Broker

Most brokers read your tax return. I read your business.

Most brokers look at your tax return and check a debt service ratio. JB reads your P&L margin trends, your balance sheet structure and your cashflow cycle, and structures your application around what that tells him about where the business is going.

Business finance is not one-size-fits-all. The right structure depends on your cashflow cycle, growth trajectory, asset base, trading history and what you're actually trying to achieve, whether that's acquiring equipment, managing cashflow gaps, buying premises or funding growth.

JB Fremy brings a business operator's perspective to every commercial finance engagement. Having worked across finance, technology and operations, JB understands the business context behind the numbers, which leads to better structured finance solutions and stronger lender presentations.

Work with an accredited finance broker recognised by FBAA and MFAA.

JBF Solutions holds FBAA and MFAA accreditation and operates under Credit Representative No. 568424. Professional standards in place from first conversation to settlement.

Book a Business Finance Consultation
Finance Products

Business Finance Solutions

Access to commercial lending products across an extensive lender panel (including boutique, wholesale and non-bank lenders), structured to match your business model, cashflow and growth plans.

Commercial Property Loans

Purchase, refinance or develop commercial premises. JB accesses commercial lenders with appetite for owner-occupied and investment commercial property, structured to suit your business or investment objectives.

Asset & Equipment Finance

Finance for vehicles, machinery, technology and business equipment. Chattel mortgage, finance lease, operating lease and hire purchase, structured to align with your accounting treatment and cashflow.

Business Overdrafts & Lines of Credit

Flexible credit facilities to manage cashflow gaps, fund working capital or bridge between receivables and payables. JB structures these to match your trading cycle, not a generic bank product.

Working Capital Finance

Invoice finance, debtor finance and trade finance solutions for growing businesses that need capital to fund operations between invoicing and payment. Supports growth without giving up equity.

Business Acquisition Finance

Finance to acquire an existing business, including goodwill, plant and equipment, and property where applicable. JB presents complex acquisition scenarios to lenders with the right context and structure.

Refinance & Restructure

If existing business finance is no longer fit for purpose (rate, structure or lender), JB analyses the current position and identifies a better-structured alternative that aligns with where the business is now.

Lender Assessment

What Lenders Look for in Business Finance Applications

Understanding how lenders assess commercial finance applications is a significant advantage. JB presents client situations in the way lenders want to see them, which improves the outcome and reduces the back-and-forth.

Trading History & Financial Performance

JB analyses your financials the way a credit analyst does, not just checking net profit against repayments, but reading margin trends, add-back positions and structural cashflow. Problems are identified before submission, not after.

Cashflow Serviceability

Can the business service the debt from its trading cashflow? Lenders assess this carefully. JB prepares cashflow analysis that demonstrates serviceability clearly.

Security Position

What security is available, property, business assets, personal guarantees? JB structures applications to maximise lender confidence in the security position.

Business Narrative

Numbers alone don't tell the full story. JB constructs a business narrative that gives lenders context, growth plans, market position, management experience and purpose of finance.

The Process

Business Finance with JBF Solutions

1
Business Finance Discovery

JB starts by understanding your business, what you need the finance for and what success looks like, before looking at any products.

2
Financial Position Review

A review of financials, cashflow, existing debt and the security position, to establish a clear picture of your lending capacity.

3
Lender Matching

JB identifies the lenders with the right appetite and products for your specific situation, not the easiest path, but the best fit.

4
Application & Negotiation

JB prepares and submits the application, manages lender communication and negotiates terms, keeping you informed throughout.

5
Settlement & Ongoing Review

Finance settled and an ongoing relationship to review the structure as the business grows and needs evolve.

Want to understand your business finance options?

Book a strategy call with JB. Bring your numbers, your goals or just your questions, and leave with a clear picture of what's available and what fits.

Book a Strategy Call with JB
Common Questions

Business Finance FAQ

The terms are often used interchangeably, but asset finance is the broader category, covering vehicles, machinery, technology and other business assets. Equipment finance typically refers to a specific chattel mortgage or hire purchase structure for equipment acquisition. The right structure depends on the asset type, your accounting treatment preferences and whether you want to own the asset at the end of the term. JB will walk through the options clearly.
A business overdraft is a revolving credit facility linked to your business transaction account. You can draw up to the agreed limit, repay and redraw as needed, paying interest only on what you use. It's designed to manage short-term cashflow gaps rather than fund long-term investment. Limits typically require annual review and are usually supported by property security or business assets.
Start-up and early-stage businesses have a narrower lending market, but options do exist, particularly for asset finance and equipment lending where the asset provides security. Non-bank lenders and specialist funders often have more appetite for new businesses than major banks. JB will give you an honest assessment of what's available and what you'd need to demonstrate to access it.
Requirements vary by product and lender, but commonly include: two to three years of financial statements and tax returns, recent BAS statements, bank statements (typically six months), details of any existing debt and information about the proposed security. JB will provide a clear document checklist for your specific application, and help you present the information in the best light for lender assessment.

Finance Structured for Your Business, Not a Template

Book a strategy call with JB Fremy. Accredited with FBAA and MFAA, with commercial lending experience across an extensive lender panel (including boutique, wholesale and non-bank lenders), JB structures finance that fits your business, not just your balance sheet.

Book a Strategy Call Meet JB Fremy

FBAA Accredited  ·  MFAA Accredited  ·  Credit Rep No. 568424  ·  AFCA Member 114903

Every eligible home loan settled through JBF Solutions triggers a $200 donation to the Bulimba Community Centre, at no cost to you. Learn more →

General Advice Disclaimer: The information on this page is general in nature and does not constitute financial or credit advice. Your individual and business circumstances will affect the suitability of any lending product. JBF Solutions is a credit representative (No. 568424) of Purple Circle Financial Services Pty Ltd (ACL 486112). Please consult JB directly for advice tailored to your situation.