Need funds for your business? Access finance quickly to steady your cash flow or back your next growth move. Apply today to see how much you could borrow.
Make your financing more stable, worry-free and cost-effective.
Financial support for offices, warehouses, retail shops and mixed use properties, for both owner occupied and investment purposes. Multiple properties can be combined and structured flexibly.
Funding to purchase an existing business such as a café, restaurant, retail store or service business, with scope to plan for stock, working capital and transition arrangements at the same time.
Support for day to day operations, including working capital, equipment purchases, store fit outs or upgrades, seasonal stock and debtor / creditor management, helping to relieve cash flow pressure.
Principal and interest, interest only periods, revolving limits and multi property security can all be used in combination, so repayments can be aligned with your business cash flow cycle.
Choosing the right lending adviser (licensed finance broker) can save money and take some pressure off, so you can stay focused on running your business.
We do not just focus on the interest rates. We also review fees, repayment flexibility and key contract terms, so the overall structure makes sense for your business.
Repayment plans are designed around your actual trading patterns and sales cycles, aiming to reduce the risk of cash flow “bottlenecks” and repayment stress.
Using clear document checklists and early review of key financial indicators, we work to reduce repeated information requests while keeping everything aligned with lender and regulatory requirements.
All fees are explained upfront where applicable. Your information is handled in line with Australian privacy laws and is only used for assessment and application purposes.
To get started, simply share:
Your name and contact details
Loan type (home / car / business)
Your city, budget range and intended purpose
Preferred structure (individual / company / trust) and timeframe
MPI Financial offers support in both English and Mandarin. Tell us about your situation and we will help make each step simpler, more transparent and firmly in your control.
Typically, you will need personal identification documents; the last two years of tax returns and financial statements (P&L and balance sheet); your personal tax returns and notices of assessment for the last two years; and, if property is used as security, title documents and land registration details. We work through each lender’s checklist with you to give the application the best chance of being accepted the first time.
Variable rates are generally more flexible but move with the market, while fixed rates can make budgeting and cash flow planning easier. We consider your industry cycle, loan to value ratio (LVR) and financial performance, and can also look at blended options with part fixed and part variable to balance certainty and flexibility.
Key factors usually include stable trading income, verifiable cash flow, a sensible debt structure and a reasonable LVR. We carry out stress testing and scenario analysis first, to help improve the likelihood of approval and align the loan limit and structure with the pace of your business.
Business loans are available for purchasing commercial property (such as shops, offices and warehouses), buying a business or supporting working capital.
We assist with finance for both new and used vehicles, with loan amounts generally starting from $7,500 and terms typically ranging from 12 to 84 months.
Whether you are buying a home to live in, investing, refinancing or planning construction or renovations, we help you find home loan products and options that suit your situation.