If your accountant has ever described your business structure as 'a bit complicated', you're in the right place.
Most business owners spend more time researching a new ute than choosing a finance broker - until the deal gets complex and the broker runs out of depth. Habitat specialises in exactly the deals that don't fit in a Big 4 Bank dropdown.
With access to over 60 bank and non-bank lenders, we've got you covered.
Who we work with.
We regularly work with:
Transport, logistics and fleet operators scaling asset bases or refinancing facilities.
Civil, earthmoving and plant hire businesses with complex equipment holdings.
Trade businesses and contractors with seasonal cash flow and growth capital needs.
Industrial and manufacturing operators managing working capital cycles.
Business owners acquiring competitors, buying out partners, or transitioning ownership.
Directors looking to consolidate debt or restructure their equity position.
If your financials are complex, your business is growing quickly, or a previous broker couldn't get the deal over the line - we want to hear from you.
Business finance: What we arrange.
Unsecured Business Loans
Fast-access cash flow top-up, small capital requirements.
Secured Term Loans
Larger capital needs with property or business assets as security.
Business Acquisition Finance
Acquiring a business, goodwill, and associated assets.
Management Buy-Outs (MBO)
Buying out a co-director, partner, or exiting shareholder.
Working Capital Facilities
Smoothing cash flow gaps between billing and receipts.
Debtor / Invoice Finance
Unlocking cash tied up in outstanding invoices.
Trade Finance
Importing stock, materials, or equipment under purchase orders.
Business Overdrafts
Revolving facility for day-to-day operational cash management.
Debt Consolidation
Rationalising multiple facilities into a single structured position.
Commercial property and equipment finance are covered separately.
Contact usHow we approach business lending.
Most business loan declines are a positioning problem, not a credit problem. Before a single application goes to a lender, we complete:
A full cash flow and serviceability assessment against lender benchmarks.
A review of your financials to identify addbacks, anomalies, and risk narrative.
Lender appetite mapping across our panel for your specific transaction.
A credit-quality submission: structured, complete, and positioned to get a decision.
We don't shotgun applications. We place deals with purpose and manage the process end to end.
Business acquisitions and buy-outs.
Acquiring a business - or buying out a co-owner - is one of the highest-value transactions you'll ever execute. Getting the capital structure right from the outset protects your equity, your cash flow, and your ability to close.
Acquisition Finance
Whether acquiring a competitor, buying an established operation, or consolidating a supply chain, Habitat structures finance that reflects the real value of the transaction.
We build the credit case around normalised EBITDA, vendor earnings history, customer concentration, and transition risk - answering the hard questions before the lender asks them.
Management buy-outs
Finance for managers, directors, or employees acquiring the business they already run.
These transactions require careful handling around valuation, related-party dynamics, and demonstrating that the incoming owner can operate without the vendor in the room. We know which lenders have genuine appetite for these deals.
Partner Buy-Outs and Shareholder Exits
Structured finance to fund a co-director or shareholder exit without destabilising the trading business.
We work alongside your accountant and solicitor - the finance is one part of a broader transaction that needs to be coordinated properly.
What lenders want to see
Normalised EBITDA: adjusted for owner wages, one-offs
DSCR: typically 1.25x minimum
Earnings quality: track record, recurrence, diversification
Transition risk: continuity of key relationships, operations
Security: property, business assets, personal guarantee
Working capital: post-settlement cash reserves for trading
Exploring an acquisition or buy-out?
Book a strategy callWorking capital finance
Cash flow gaps don't respect your billing cycle. Whether you're waiting on a large invoice, bridging a seasonal trough, or funding growth ahead of revenue, we keep your operation moving without burning your own reserves.
Products we arrange:
Debtor finance / invoice finance
Convert outstanding invoices into immediate cash. Facilities advance up to 80-85% of approved receivables within 24-48 hours, with confidential discounting available. Grows with your revenue, no fixed limit on a growing book.
Business overdrafts and revolving credit
A committed revolving line for day-to-day liquidity. Draw and repay as needed, interest only on the outstanding balance. Secured and unsecured options available.
Unsecured business loans
Fast-access term lending for working capital top-ups or project mobilisation. Typically 12–36 months, no real property required. $20K to $500K+ with same-day to 48-hour approval for well-positioned applications.
Trade finance
Fund stock, materials, or imported goods before revenue is received. Domestic and international lines available, often structured alongside debtor finance for a complete working capital solution.
Why Habitat Capital.
We are Perth-based, AFG-aggregated, have access to major, second-tier, non-bank and specialist lenders and are positioned competitively.
We don't represent any lender. We represent you.
Lender-grade credit submissions, not basic online applications
Direct relationships with credit teams at major and non-bank lenders
SME operators as our primary client - we understand your financials
Available for face-to-face in Perth where it matters