Business & Commercial Property Finance, Sorted.

Equipment, cash flow and commercial loans for Australian businesses, and commercial property finance for investors and owner-occupiers. We compare 55+ banks and specialist lenders so you don’t have to.

Business lending, done properly.

Factor Capital helps Australian businesses get the right finance without the runaround. Every deal is backed by commercial and institutional banking experience. We compare 55+ banks and specialist lenders, and we'll tell you when a cheaper option, like using property you own, beats a standard business loan.

Years in banking and finance

15 +

Lenders on our panel

55 +

Businesses funded

50 +

Where business funding goes wrong

Most businesses don't end up with the wrong loan because they were declined. They end up with it because of the wrong structure, the wrong timing or the wrong lender.

The wrong structure

Repayments that don't match your cash flow, terms that outlast the asset, or balloon payments you can't refinance all cost more than they should.

Leaving it too late

Once cash is tight or the ATO is chasing, you have fewer lenders, higher rates and less room to negotiate.

Only asking your bank

Your bank can only offer its own products. We compare 55+ banks and specialist lenders and know which ones suit your business before you apply.

How our approach differs?

Our commitment to honest, strategic advisory built on transparency and expertise.

Decision-first advisory

We prioritize strategic clarity before applications, ensuring you make informed choices.

Clear pathways

Funding structured around timing, risk, and objectives — not just approval.

No guaranteed outcomes

Honest assessments grounded in market reality.

Confidential and Australia-wide service

Discreet advisory with national lender access.

Trusted by Australian businesses and property owners navigating complex funding decisions.

Our Advisory Focus Areas

Strategic, decision-first advisory across complex funding, capital, and cashflow scenarios.

Commercial Property Advisory

Strategic guidance for investors and owner-occupiers assessing yield, WALE, tenant quality, capital structure, and funding feasibility before committing capital.

Business & Working Capital Strategy

Advisory for business owners navigating growth, liquidity, or transition — including funding assessed using cashflow and operating position.

ATO & Cashflow Pressure

Confidential assessment of funding pathways to manage ATO obligations and stabilise cashflow before issues escalate.

Non-Bank & Private Capital Solutions

Guidance across non-bank and private lending solutions where traditional bank funding may not be suitable or timely.

How We Work?

Our process is deliberate and decision-first, not approval-driven. Strategy comes before execution, so funding supports long-term outcomes.

Cashflow, structure, objectives.

Optimal timing and funding approach.

Funding aligned to risk and long-term outcomes.

Funding coordinated through approved partners.