Finance · Business
Funding the business, not just the mortgage
Term debt, lines of credit, commercial property and equipment — structured around cash flow and the entity that trades.
as at 15 November 2026
General information only and not credit assistance. Estimates are not an offer, quote or approval. Lending is subject to lender approval, terms, fees and charges. Next Step Financing Pty Ltd (ABN 77 680 857 416, Australian Credit Licence 384704, Credit Representative 563367).
Part of the IR Property Group one-roof team
Separate businesses. One roof. One plan.
Who it suits
Businesses funding premises, working capital, expansion or an acquisition — and owners who need the facility in the right entity with the right security position.
Business lending is assessed on the business, not just the owner's salary: cash flow, BAS, debtor ageing and the industry all enter the decision. The financials need to be lender-ready, which is usually an accounting task before it is a lending one.
Facility types
- Term loan for a specific purpose
- Line of credit for working capital
- Commercial property investment or owner-occupied
- Equipment and vehicle finance
How it works
- 01
Position
Financials, cash flow and existing facilities reviewed against the funding requirement.
- 02
Structure
Facility type, term, security and entity agreed with your accountant.
- 03
Application
Lender pack prepared: financials, BAS, forecasts and the purpose of funds.
- 04
Approval and drawdown
Documentation, guarantees and settlement, with the facility reviewed annually.
Documents needed
- Two years of financial statements and tax returns
- Recent BAS lodgments
- Debtor and creditor ageing
- Bank statements for the trading account
- Asset and liability schedule
- Lease or contract of sale, if relevant
Common mistakes
- Applying with financials that do not match the BAS
- Funding a long-term asset with a short-term facility
- Offering personal security without advice
- Borrowing in the wrong entity and creating a tax mismatch
as at 15 November 2026
General information only and not credit assistance. Estimates are not an offer, quote or approval. Lending is subject to lender approval, terms, fees and charges. Next Step Financing Pty Ltd (ABN 77 680 857 416, Australian Credit Licence 384704, Credit Representative 563367).
How a referral between businesses works
When the right next step sits with another business in the group, we ask you first. You decide whether the introduction happens.
- Client consent first — nothing about you is shared with another business without your agreement.
- Each business advises only within its own licence. IR Property does not give tax or credit advice, GBS advises on tax and accounting only, and Next Step Financing provides credit assistance only.
- Any referral fee, commission or benefit paid between businesses in the group is disclosed to you before you engage.
Common questions
Where to go next
Start with a conversation
One free consultation. Three services. No obligation.
Tell us what you're trying to do and we'll tell you plainly whether property, accounting, finance — or all three — is the right starting point.
Property notes, once a month
Market movement across Melbourne and regional Victoria, tax changes worth knowing about, and lending shifts explained without the spin.