The same file gets different answers
Two businesses with near-identical numbers routinely get opposite outcomes. One is approved at a fair rate; the other is declined, or lands somewhere expensive. The difference is rarely the business. It's how the deal was put together and who it was put in front of.
A credit assessor reads a file in a particular order, looking for particular things, with a particular set of anxieties. A file that answers those questions before they're asked gets approved. A file that leaves them open gets a decline, or a request for information that stalls the deal for a fortnight.
What structuring actually means
It isn't a vague claim about experience. These are specific, repeated decisions made on every file:
- Which entity borrows. Company, trust, or the individual: different structures read very differently to a credit team, and the wrong one can rule out lenders before anyone has looked at the numbers.
- How the purpose is framed. "Working capital", "paying out the ATO", and "funding a new contract" can describe the same money and produce three different outcomes.
- What to lead with. A file that opens with the strongest evidence sets the tone for everything the assessor reads afterwards.
- What needs explaining, and what doesn't. An uneven quarter with context is a non-event. The same quarter with no explanation is a decline.
- Which security to offer and which to hold back. Offering everything upfront costs you flexibility on the next facility.
- Sequencing. Which lender sees it first matters, because a decline leaves a footprint and narrows what comes next. Files are not something you shop around indiscriminately.
- Timing. Whether to submit before or after a BAS lodgement, or wait three weeks for a cleaner statement period.
Why this matters more here than anywhere else in finance
Cashflow lending is assessed fast, often by an algorithm reading your bank statements before a human sees anything. There is no meeting where you get to explain yourself. The file is the pitch. How it's assembled is not administration, it's the entire job.
The cheapest yes, not the first one
Most brokers stop at the first approval. It's understandable: the deal is done and the commission is the same. But the gap between the first lender who will say yes and the best lender who will say yes is routinely worth tens of thousands over the life of a facility.
With a panel of 80+ domestic and international lenders funding in Australia, our job is to know which handful of those genuinely fit your situation, and to run them properly rather than stopping at the first tick.
Who we work with
Australian businesses that need funding to move, and often the ones the banks find awkward. Uneven trading months. An ATO balance. A growth opportunity that won't wait three weeks for a credit committee. A business that's profitable but hasn't got the property security a bank wants to see.
We work across construction and trades, transport, hospitality, retail, professional services, manufacturing and wholesale. Different sectors, same underlying problem: money going out before it comes in.
How we're paid, and when we say no
We're paid a commission by the lender on settlement. It costs you nothing, and we'll tell you what that commission is before you sign anything.
That model only works if we're straight with you about the rest of it. So we'll tell you when a facility is too expensive for what you're trying to do, when you'd be better off waiting three months for cleaner statements, and when borrowing more isn't the answer at all. If you're already carrying several short-term facilities with daily debits, adding another one usually makes things worse, and we'd rather say so and lose the deal than write it.
The people behind it
[ Your name and background go here: years in commercial finance, where you worked before, the kinds of deals you've done, and why you started Business House Credit. Two or three paragraphs. This is the most-read part of any About page for a brokerage, and a photo alongside it does more for conversion than anything else on the site. ]
Credentials
| Lender panel | 80+ domestic and international lenders funding in Australia |
|---|---|
| Scope | Business-purpose finance only |
| Based | Sydney, NSW. Servicing nationally |