Common Scenarios
Small Business Loans
1. Café Expansion
A local café wants to open a second location. They submit an enquiry and are referred to a broker who helps them explore a small business loan. The loan covers fit-out costs, equipment, and initial operating expenses, allowing the café owner to open on schedule.
2. Boutique Retailer Inventory Boost
A clothing boutique experiences seasonal spikes in demand. They need funds to purchase new stock ahead of the busy season. Through a working capital loan, facilitated by the broker, they secure timely financing and meet customer demand without cash flow issues.
3. Startup Tech Company
A software startup wants to hire additional developers and purchase office equipment. They are referred to a finance broker who guides them toward an appropriate business loan. The startup can hire staff quickly and launch its new product on time.
Expansion / Growth Loans
4. Manufacturing Facility Upgrade
A small manufacturing business wants to upgrade machinery to increase production capacity. Using a growth loan, the broker helps them fund new equipment purchases and minor facility renovations, boosting output and revenue.
5. Regional Service Expansion
A regional cleaning company wants to expand into nearby towns. A broker assists in structuring a loan for vehicle purchases and marketing, enabling them to reach new clients efficiently.
6. Health Clinic Renovation
A physiotherapy clinic wants to expand and remodel rooms to accommodate more patients. The growth loan allows them to cover renovation costs and hire an extra practitioner, increasing overall revenue.
Asset Finance Loans
7. Tradesman Tools & Equipment
An electrician needs new vans, tools, and safety equipment. Through asset finance, facilitated by the broker, they spread the cost over time while keeping cash flow intact, ensuring uninterrupted service delivery.
8. Restaurant Kitchen Upgrade
A restaurant wants to replace old kitchen appliances. Using asset finance, the broker helps them structure repayments to align with revenue cycles, allowing for immediate upgrades without a large upfront cost.
9. Landscaping Company Fleet Expansion
A landscaping business wants to expand its fleet to service more clients. Asset finance allows them to purchase trucks and equipment while preserving working capital for payroll and other operational costs.
Working Capital / Cash Flow Loans
10. Seasonal Cash Flow Gap
A florist sees a spike in demand during holidays but struggles to pay suppliers in advance. Through a working capital loan, they bridge the cash flow gap, purchase flowers in bulk, and meet demand without disruption.
11. Construction Business Invoice Delays
A small construction firm experiences delayed payments from multiple clients. Working capital finance ensures they can cover wages and materials, keeping projects on schedule until invoices are paid.
12. Retailer Pre-Stock Funding
A boutique retailer needs to purchase stock for a major seasonal sale. A broker connects them with a working capital solution, enabling the purchase and ensuring they can maximize sales opportunities.
Commercial Property Loans
13. Office Purchase for Growing Team
A small marketing agency wants to buy an office space as they expand. A broker helps them explore commercial property loan options, enabling them to purchase property and accommodate the growing team.
14. Warehouse Acquisition
An e-commerce business needs a warehouse to manage increasing online orders. Through a commercial property loan referral, they secure a property that supports expansion and streamlines operations.
15. Retail Storefront Investment
A boutique retailer wants to purchase a property for a high-traffic location. The broker guides them to suitable commercial property loans, allowing ownership and control over their retail space.
Home Loans (for completeness / cross-use)
16. First Home Purchase
A young couple wants to buy their first home. Through a referral, they speak to a broker who helps them compare home loan options, ultimately finding a loan that fits their budget and long-term goals.
17. Refinancing for Better Terms
A family wants to refinance their existing mortgage to reduce repayments. The broker connects them with lenders offering competitive rates, allowing them to save on interest without changing banks.
18. Investment Property Purchase
An investor wants to purchase a rental property. Using the broker referral, they explore commercial and residential loan options, enabling them to secure a suitable investment and plan cash flow effectively.
Combination / Multiple Loan Scenarios
19. Café Owner: Expansion + Equipment
A café owner needs both new coffee machines (asset finance) and funds to renovate a second location (growth loan). A broker helps them structure the loans efficiently, ensuring both projects proceed smoothly.
20. Landscaping Business: Fleet + Seasonal Gap
A landscaping business needs trucks (asset finance) and additional short-term funding for payroll during busy season (working capital). The broker connects them to multiple lenders to cover both needs without overextending cash flow.
21. Startup: Office Lease + Equipment
A tech startup wants to lease office space and buy computers for staff. Using referrals, they access a combination of commercial property finance (lease) and asset finance for equipment, enabling a smooth launch.
22. Retailer: Inventory + Expansion
A fashion retailer needs seasonal stock (working capital) and wants to open a second location (growth loan). The broker arranges access to both finance types, allowing expansion without cash flow stress.
23. Construction Firm: Invoice Factoring + Equipment
A construction firm faces slow invoice payments but needs to purchase new machinery. Through invoice factoring (working capital) and asset finance, they continue operations seamlessly.
