Business Money

What Business Money does

Business Money Pty Ltd is an Australian independent business finance brokerage headquartered in Melbourne, Victoria, established in 2005. The company operates as an intermediary connecting Australian small and medium enterprises (SMEs) with over 50 lenders across the country, including all major Australian banks and non-bank financial institutions. Its core function is consultative deal origination, paperwork handling, and lender negotiation on behalf of SME clients seeking capital across multiple finance structures.

The company's product portfolio spans 13 distinct finance categories, including secured and unsecured business loans, debtor finance (invoice discounting and factoring), credit insurance, trade and import/export finance, equipment and asset leasing, franchise funding, commercial property finance (loans from $50,000 to $10M+), construction loans, equity funding, residential mortgages for self-employed borrowers, and merger and acquisition finance. Ancillary services include cash flow consulting and business plan preparation. The platform relies on human specialist assessment rather than disclosed proprietary technology—there is no app, no API, and no automated matching system documented.

Business Money's revenue model is transaction-fee based, earning commissions or fees from lenders for successfully facilitated finance deals. Customer acquisition is primarily direct, driven by website enquiry forms, phone-based consultations, and SEO-oriented educational content under the "Ask The Experts" banner. The business is privately held (proprietary limited company), with no disclosed institutional investors, funding rounds, or parent company. Operations are confined to a single domestic market (Australia) with no evidence of geographic expansion or significant technology investment within the data window (copyright notice dated 2005-2022).

Name

Business Money

Legal name

Business Money Pty Ltd

Website

https://businessmoney.com.au

Company type

Private

Founded year

2005

Operating status

Operating

Short description

Business Money is an independent Australian business finance broker founded in 2005 that connects SMEs with 50+ lenders for loans, debtor finance, equipment leasing, trade finance, and commercial property funding.

Ownership category

akta.pro rank

Headquarters

HQ city

Melbourne

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. Finance Brokerage Services: Business Money acts as an intermediary between businesses seeking finance and lenders. They earn commissions or fees from financial institutions for facilitating business loans, debtor finance, trade finance, equipment leasing, and other commercial finance products. The company is independent of any financial institution and has access to over 50 lenders in Australia.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Business Money is an independent Australian business finance brokerage that connects SMEs with over 50 lenders (including all major banks) for facilities such as business loans, debtor finance, trade finance, equipment and asset finance, commercial property finance, construction loans, franchise funding, and credit insurance. The company assesses each client's full business picture, handles paperwork and negotiation, and earns commissions or fees from facilitating the finance arrangement.

Product overview

Business Money is an independent Australian business finance brokerage that operates as a single integrated financial services company rather than a platform. The company provides a comprehensive portfolio of business finance products centered on debt financing solutions for SMEs. The core offerings include business loans (secured and unsecured), debtor finance/factoring, credit insurance, trade finance, commercial leasing, franchise funding, commercial property finance, construction loans, equity funding, mortgages, and merger & acquisition finance. The company acts as an intermediary, accessing over 50 lenders including major banks to match businesses with appropriate financing solutions. Business Money also offers ancillary consulting and business planning services that support the financing products. The various lending products are interconnected through the company's assessment process, which evaluates business operations holistically to determine the most suitable financing approach from their lender network.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Loans Secured business loans for established businesses with healthy turnover, asset backing, and a profitability track record. Includes business line of credit facilities drawn against debtors and stock. Targeted at Australian SMEs seeking growth or working capital funding.
• Unsecured Business Loans Business loans not backed by collateral such as property, allowing business owners to avoid tying personal assets to business borrowings. Typically carry higher interest rates to compensate for greater lender risk. Targeted at Australian SME owners who do not want to pledge personal assets.
• Debtor Finance (Invoice Discounting & Factoring) Working capital facility leveraging outstanding customer invoices, with lenders advancing up to 80-100% of invoice value. Available as disclosed (factoring) or undisclosed (invoice discounting) arrangements. Targeted at Australian SMEs needing to bridge the gap between paying suppliers and getting paid.
• Credit Insurance (Bad Debt Protection) Insurance protection against bad debts both domestically and internationally, typically covering around 80% of debt if a customer becomes insolvent. Also covers export credit risks including foreign exchange and country risk. Targeted at Australian SMEs seeking to protect against customer non-payment.
• Trade Finance (Import & Export Finance) Working capital solutions for funding international or domestic trade, with advances typically 20-50% against stock value. Provides options for direct supplier payment via Letters of Credit or telegraphic transfer. Targeted at Australian SMEs purchasing goods locally or from overseas.
• Commercial Leasing (Equipment & Asset Finance) Financing solutions for purchasing plant, equipment, motor vehicles, and business assets through lease, commercial hire purchase, or chattel mortgage arrangements. Includes low doc options for businesses with limited documentation. Targeted at Australian SMEs acquiring equipment or business assets.
• Franchise Funding Comprehensive financing for franchise acquisition including unsecured loans up to 70% of purchase price, refurbishment finance, plant and equipment finance, working capital facilities, and bank guarantee arrangements for lease premises. Targeted at Australian SMEs purchasing a business or franchise.
• Commercial Property Finance Financing for commercial property acquisition with fixed/variable interest options, low doc and no doc loans available. Covers standard commercial property as well as specialized securities such as pubs, hotels, rural properties, aged care facilities, and petrol stations. Loan sizes from $50,000 to $10,000,000+ with LVR up to 80%. Targeted at Australian SMEs purchasing a commercial property.
• Construction Loans Commercial construction financing from $150,000 to $10,000,000+ covering construction against completion value, mezzanine construction loans, and traditional loans against construction costs (typically 80% of hard costs). Targeted at Australian SMEs undertaking commercial or investment property construction.
• Equity Funding Investment capital (private equity, venture capital) for unlisted companies, providing equity financing typically for companies with high growth potential. Private investors may take board representation and seek exit through stock exchange listing, business sale, or management buyout within 3-7 years. Targeted at Australian SMEs seeking equity capital.
• Business Consulting Cash flow planning and forecasting services including analysis of sales growth, gross profit margins, operating expenses, trade debtors, inventory, and creditors. Assists with credit management strategies and funding alternative assessments. Targeted at Australian SMEs that need to improve cash flow management alongside finance sourcing.
• Business Planning Preparation of comprehensive business plans covering business opportunity, management details, product analysis, marketing plans, industry analysis, operational overview, growth planning, and financial projections. Targeted at Australian SMEs preparing for finance applications or strategic planning.

Named customers2 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Market position

Competitive moat3 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Business Money