Strategic Growth Capital structures lending for self-employed clients across residential, investment, and commercial property. We navigate ABN tenure requirements, tax return complexity, trust borrowing, and alternative documentation pathways that secure approvals while respecting your tax strategy.
Traditional assessment using two years of tax returns, financial statements, and an accountant's verification. We maximise income recognition through strategic add-backs, averaging favourable years, and selecting lenders with generous self-employed policies for competitive rates and full features.
Alternative documentation pathways for self-employed borrowers who can't or won't provide full tax returns. We arrange low doc loans using BAS statements, accountant declarations, and asset verification, accessing non-bank lenders who assess business viability over historical tax returns.
Lenders who assess actual business cash flow through bank statement analysis rather than tax returns. Ideal for businesses showing strong revenue but minimised taxable income, or newer ventures with growing cash flow but limited historical trading.
Residential and investment property owned within family trusts, unit trusts, or company structures requires specialised lending and trust deed verification. We structure borrowing within trust frameworks, managing guarantor requirements and beneficial ownership considerations.
Recently self-employed or transitioning from PAYG employment requires specialist lenders who accept shorter ABN tenure. We access lenders with 12-month ABN requirements and present applications that demonstrate business viability and income sustainability.
Medical practitioners, lawyers, accountants, engineers, and regulated professionals benefit from specialist assessment and preferential pricing. We access professional packages that recognise practice ownership, partnership structures, and professional qualification as risk mitigants.
Self-employment combined with rental income, PAYG employment, dividends, or trust distributions requires strategic aggregation. We present multiple income sources cohesively, maximising total serviceability recognition across complex earning structures.
PAYG contractors, commission earners, and variable income structures create assessment challenges. We present income sustainability through employment contracts, commission histories, and averaged earnings that demonstrate consistent capacity.
Franchise operators and licence holders benefit from franchise-specific assessments and recognition of an established business model. We access lenders who understand franchise systems, royalty structures, and franchisee financial performance.
Businesses with seasonal revenue peaks require lenders who assess annualised income rather than quarterly snapshots. We present seasonal businesses strategically, demonstrating income consistency across annual cycles and appropriately managing serviceability calculations.
