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Jay Agarwal

Founder and commercial finance broker, Business House Credit

Jay takes the first call on every enquiry, structures the file and runs it across a panel of 80+ lenders. Every guide on this site is written by him, from the deals he arranges rather than from a lender's brochure.

LinkedIn ↗ applications@businesshousecredit.com.au 0479 079 302
$80m+Secured in commercial funding
80+Lenders on panel
< 2 hrsAverage response, seven days

What Jay does

Business House Credit is a commercial finance brokerage in Sydney that arranges cashflow finance for businesses across Australia: unsecured business loans, working capital, overdrafts, lines of credit, merchant cash advances and the refinancing of expensive short-term debt. Jay founded it in 2025 and runs it as its principal broker.

On every file the work is his own: the first call, the read of twelve months of bank statements, the decisions about which entity borrows and how the purpose is framed, the choice of which lender sees the file first, and the follow-through to settlement. The panel is 80+ domestic and international lenders funding in Australia, and the brief is the one on the homepage: find the cheapest yes, not the first one.

The work is business-purpose finance only. Jay is paid a commission by the lender on settlement, which costs the borrower nothing, and the model only works if he is straight about the rest: he will say when a facility is too expensive for what it is meant to do, when waiting three months for cleaner statements is the better move, and when borrowing more is not the answer.

Background

Jay came to broking through a Sydney commercial finance brokerage, where he worked as an associate on business lending and capital raising: reading financial statements, building valuation models, assessing risk and preparing the transaction documents that carry a deal from enquiry to funding. It is where the habit of structuring a file before it goes anywhere near a credit team was formed.

Alongside that he worked with a Sydney investment syndicate that backs early-stage technology companies, sourcing and assessing deals, running due diligence on unit economics and business models, and writing the investment memos that went to investors. A different asset class, but the same discipline: work out what the numbers actually say before anyone puts money in.

Before finance he spent two years in business development and operations for two Sydney marketing agencies, MarketInc and Tamso, managing client accounts and the systems behind them. Agency work is a useful education in how a small services business gets paid: later than planned, and rarely in the month the wages fall due. That gap is what most of the businesses Jay now works with are funding.

He studied economics and computer science at UNSW Sydney, graduating with a Bachelor of Science (Computer Science) in 2026, and spent a year on exchange at ESSEC Business School in Paris (2022 to 2023). The computer science half is why the enquiry form on this site checks the ABN register live, and why the brokerage runs on software built for it rather than on a lender's portal.

  • 2025 to now
    Business House Credit, SydneyFounder and principal broker. Traded as Rainmaker Finance until September 2026.
  • 2025
    Commercial finance brokerage, SydneyAssociate. Business lending and capital raising: financial analysis, due diligence and deal documentation.
  • 2024 to 2025
    Early-stage investment syndicate, SydneyDeal sourcing, due diligence and investment memos for technology investments.
  • 2023 to 2024
    MarketInc and Tamso, SydneyBusiness development and operations. Client accounts, CRM and reporting.
  • 2020 to 2026
    UNSW SydneyBachelor of Science (Computer Science), economics and computer science program. Exchange year at ESSEC Business School, Paris, 2022 to 2023.

How the guides are written

  • From real questions and real files. Every guide starts with a question Jay gets asked or a file he has worked on, and the numbers in it are the kind that turn up on a broker's desk, not in a lender's brochure.
  • Figures are illustrative. Rates, fees and terms are ranges observed across the panel at the time of writing, rounded, and flagged as indicative. None of it is an offer of finance.
  • Lenders are named carefully. Where a guide names a lender, the claims are about the contract in front of us at the time, and an independence note sits at the top of the piece. No lender pays for placement in a guide.
  • Dated and corrected. Each guide carries its publication date and is checked against the sources named in it. If something is wrong or out of date, email applications@businesshousecredit.com.au and it will be corrected.
  • General information only. The guides explain how facilities work and what lenders look for. They are not legal, tax or financial advice for a particular situation.

What Jay writes and advises on

  • Unsecured business loans and working capital, and how lenders read twelve months of bank statements.
  • Business overdrafts and lines of credit, including the line fees people forget to compare.
  • Merchant cash advances and the true cost of a factor rate.
  • Refinancing daily-debit debt, ATO balances, and getting out of a facility that no longer fits the business.
  • Security positions: personal guarantees, general security agreements and the PPSR, and why a second lender says no.
  • Sector files that need more explaining: NDIS and allied health providers, trade and wholesale businesses funding purchase orders, and online retailers and importers working a cash conversion cycle.

Guides by Jay

Working capital · · 9 min readDoes the interest rate matter less than how fast you turn the money?A 25% rate against a 20% margin sounds like losing money. For a trading business it often is not. Business House Credit on the number of turns that decides it. NDIS & allied health · · 10 min readBusiness loans for NDIS providers: what lenders check now that the scheme is under scrutinyNDIS providers face more scrutiny than ever, but the funding is still there. Business House Credit on what lenders check now and how to get your file ready. Case study · · 8 min readRefinancing a client out of a Bizcap loan after most lenders said noSix months left on a Bizcap loan, $1,200 a day, and a payout most lenders refused. The two routes Business House Credit uses to get a business out. Choosing a lender · · 7 min readWhy brokers push non-bank lenders, and when the bank is still the answerBanks are cheapest and lend longest, full stop. Business House Credit on when a non-bank lender is the better answer: more money, faster, and a file with a few red flags. Trade & debtor finance · · 6 min readPurchase order finance: how it works and what lenders check firstA confirmed order isn't cash in the bank. How a trade facility and a debtor facility combine to pay your supplier and collect from your customer, and what lenders check first. Guarantees · · 7 min readCan I get a business loan without a personal guarantee?Most "unsecured" business loans still need a director's guarantee. What that puts at risk, and the few lenders who will lend without one. Structuring · · 7 min readCan I stack multiple lenders?Yes, but order matters. Why lenders dislike a second loan on the file, how overleveraging ends in default, and how we sequence lenders so it works. Security position · · 6 min readWhy won't a lender lend when another lender is already on my file?Most lenders take a general security agreement over the business, and the first registered gets paid first if things go wrong. Why a second lender then says no. Security & guarantees · · 6 min readUnsecured vs secured business loans: which one actually costs less?Unsecured still means a personal guarantee at almost every Australian lender. What that really means for your house, and which option actually costs less. Choosing a facility · · 5 min readBusiness overdraft vs line of credit: which one fits?Overdraft or line of credit? Both charge interest only on what you use, but they solve different problems. How to choose, plus the fees people forget to count.

Get in touch

The quickest route is the enquiry form on this page: three short steps, about two minutes, and Jay calls back in under two hours on average, seven days a week. You can also email applications@businesshousecredit.com.au, connect with Jay on LinkedIn, or call 0479 079 302.

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