When you buy an existing business, you’re stepping into:
✅ Proven cash flow.
✅ Established customers.
✅ Systems that already work.
But unless you’ve got hundreds of thousands of dollars lying around, you’re probably asking the same question:
“How do I actually get a loan to buy a business in Australia?”
The truth is, getting finance to buy a business isn’t simple. But with the right preparation and strategy, it’s absolutely possible – and can open the door to incredible growth and wealth.
This is your complete, no-fluff guide to getting it done.
The business you buy is just as important as your loan application. Why?
Because banks and lenders are assessing risk, and the business itself is a huge part of that.
Before applying, do your own due diligence.
If you wouldn’t buy the business without a loan, don’t expect a lender to fund it either.
Here’s what’s on the table in Australia:
Designed specifically for buying a business, often secured against business assets or personal property.
Lower rates but requires an asset (like your home) as collateral.
Fast approval but higher interest, with strict lending criteria.
The seller funds part of the purchase, often interest-free for an agreed period. A great option to combine with traditional lending.
Useful for flexible cash flow during the transition period post-purchase.
If you’re also buying the premises, this might run alongside your business loan.
👉 Choosing the right structure is critical.
This is where a finance expert (like Julie) becomes invaluable—tailoring a solution from multiple options.
Expect to contribute:
💡 Creative funding tip:
Some deals use a combo of:
This layered approach can make a deal work when traditional funding falls short.
This isn’t optional. Even if the business is thriving, lenders need to know:
👉 Include:
For you:
For the business:
This is where deals often die.
Not every lender likes business purchases. Some avoid specific industries. Others prefer only high-value deals.
Julie at Mortgage Pass knows exactly which lenders are active, competitive, and open to funding business buys – and which ones will waste your time.
She’ll:
And the best part? The lender pays Mortgage Pass, so you receive the service at no extra cost to yourself.
With Mortgage Pass on your side, this part becomes far easier.
But it doesn’t stop there.
Good finance isn’t just about getting the loan – it’s about setting your new business up to thrive from day one.
Buying a business is one of the most exciting financial moves you’ll ever make.
Done right, it can create freedom, wealth, and a lifestyle you love.
But without the right finance strategy?
It can quickly become overwhelming, expensive, and frustrating.
That’s why having an expert in your corner isn’t a luxury. It’s a necessity.
Julie has almost 20 years of experience helping Australian businesses. She understands the world of finance and complexities of business purchases and how to structure loans for maximum approval and minimum stress.
From finding the right lender to negotiating the best rates, Julie makes sure your loan works for you – not the other way around.
When you’re ready to take the next step, she’s ready to make it happen.
Follow Us:
Suite 1/219 Merrylands Rd Merrylands 2160
Lv2, 263 Clarence Street Sydney 2000
At Mortgage Pass, we specialise in simplifying finance for business owners, professionals, and tradies by offering tailored mortgage and business finance solutions designed to meet your unique needs.
Our focus is on helping you achieve your financial goals by securing the right home or business finance, all while providing a personalised, client-first experience backed by nearly 20 years of business experience.
J Gear Pty Ltd T/As Mortgage Pass ABN 32 087 513 951 (Credit Representative Number 526611) is authorised under Mortgage Specialists Pty Ltd ABN 48 612 422 178 (Australian Credit Licence 387025)
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