Mel Finance
Business loans Melbourne


Mel Finance is listed in the top 25 brokers for Customer Service out of 19,000 Mortgage Brokers Australia-wide

Is Your Business Growth on Hold?

Business Loan Broker MelbourneBusinesses operating within all kinds of industries share one common goal: to grow. When your finances aren’t in order, however, growth becomes impossible. For many business owners, the next chapter of their working life starts with finding a commercial loan. It’s not as easy as it sounds, however. There are high interest rates, hidden fees, and endless lenders available all promising that their deal is the best on the market.

Commercial loans can be complicated, but their benefits are endless – you can better manage cash flow, expand your commercial property, and use that money to position yourself as the top competitor against other local businesses. Too many businesses find the complications of loan applications too overwhelming to even get their foot in the door. However, the advice and guidance of an experienced financial expert could make all the difference.

Small Business Loans Melbourne

Finding The Right Business Loan

Finding the right loan all starts with asking the right questions. Applying for commercial loans can be a daunting process. Not only can the whole ordeal take a lot of time and paperwork, but the various options available can be confusing. There are secured and unsecured loans, endless loan terms to be met, widely ranging interest rates – the list could go on. Ultimately, navigating commercial loans is best done with the support of an expert.

Once you’ve decided that your business could benefit from a loan, there are several things to consider. Here are a few things we tell clients to think about before approaching lenders:

  • Your ideal borrowing amount
  • The type of commercial loan you need
  • The duration (term) of the loan
  • What security you are able to offer the lender in exchange and its effect on the interest rate
  • Whether your company can afford to repay the loan, as well as the extra costs of interest and fees

How Partnering With Mel Finance Can Help

commercial loan broker MelbourneMel Finance is well acquainted with the intricacies of the business world as well as its ever-changing market and economy. We understand that these factors can influence every business and it is our chief goal to assist business owners by enabling access to commercial business loans to suit their needs.

Our experience in the field stems from our dealings with multiple business owners from different industries. We’ve worked with everyone from new-age start-ups as sole traders to generational family businesses which can easily involve multiple trust entities. With that kind of experience under our belt, we understand that each business owner has their own specific needs and desires about how they wish to run and expand their business. We have worked with business owners whose passion aligns with ours as we assist them in financing their crucial business needs to grow and sustain their progress.

While seeking a business loan can seem daunting and risky, calculated risk is necessary to induce growth as well as to stay relevant as consumer tastes are subject to change. Your feelings of doubt and apprehension will be laid to rest by our specialised brokers. We will be by your side at every step to ensure that you have access to all the required information and are best placed to choose the right product for your needs while limiting excessive risks.

Ready to get the business loans your company needs? Request an appointment with Mel Finance today.


Your Commercial and Business Loans Questions Answered

It is very common for a business loan to require a deposit, although there are circumstances in which alternative collateral could be accepted. Deposit rates can differ depending on the lender, often between 10% and 30%.

There are several factors that can affect your eligibility for loans. Generally speaking, businesses can apply for loans up to 80% of their free cash flow.

There are countless commercial loan options out there, for businesses of all sizes. There are options available for people looking to start up a brand new business, even though the application process may look quite different!

Most lenders will require an ABN (Australian Business Number) in all applications for business loans.

There are a range of factors that influence interest rates. Depending on your lender, the length of your loan, and things such as your frequency of payments, your interest rate may vary.

Why Choose Mel Finance?

Melbourne Based

You deserve financial support that is tailored to your business, your area, and your circumstances. When you choose to work with Mel Finance, you can benefit from the support of a Melbourne-based advisor who works within your local community.

Personalised Service

The client always comes first. Our team prioritises offering personalised services, meaning that you will receive advice targeted to your industry, team, and overall business.

Boutique Broker

When you partner with a large, corporate giant, there isn’t going to be much flexibility. As a boutique company, Mel Finance can offer consistent communication and flexible services to best suit your needs.

Start Your Future With a Business Loan

A loan should be the beginning of something bigger and better – not the downfall of your business. That’s where we can help. With the guidance of an expert, you can rest assured that the loan you end up with is the best possible option for your company. The Mel Finance team can offer competitive rates and loan options that are tailored to support your business. Don’t get yourself trapped paying off a loan that isn’t going to offer the greatest possible outcomes for your business.

Contact Mel Finance to Find Commercial and Business Loans

No matter the size of your business, there is always room for growth. At Mel Finance, our goal is always to equip businesses with everything they need for a long, successful future. This starts with guiding them through the loan process. The right loan can transform your company, and we’re ready to provide you with the perfect match. Call our friendly team today to learn more about our services, or request an appointment to discuss your business plans further.

Google Reviews

Great experience! Lumbini is a great advisor and I would highly recommend him for future brokering advice.
Lachie Sinclair
Lachie Sinclair
February 28, 2024
Best broker I’ve dealt with! I haven’t had to lift a finger, went through the whole process better than I could have ever asked for. I had a ton of questions and got them answered without even asking them. You’re an absolute star Lumbini.
Sandeep Singh
Sandeep Singh
February 24, 2024
Lumbini was amazing with helping me a get a home loan, he explained things easily, found a bank and loan that was suited to me and was there 100% throughout the transaction, Lumbini is officially my broker and would happily recommend him to anyone - thanks Lumbini
Sarah Lewellin
Sarah Lewellin
January 24, 2024
Lumbini made the process so simple and easy for us! He was able to get the approval for us within short period of time to meet the settlement time. He is very professional, patient and supportive through the process of organising the loan and everything went through seamlessly. Would highly recommend!
Andrew Liang
Andrew Liang
January 9, 2024
Managed out refinance excellently. Communication was great.
Maxwell Chiazor
Maxwell Chiazor
January 8, 2024
Our first home buying experience was stress free and less daunting with Lumbini's assistance and reassurance throughout the whole journey. Lumbini always ensures that all our queries and requests are addressed in a prompt manner. He is knowledgeable and his advice is practical and always for our best interest. We are very pleased to have found Lumbini as our mortgage broker. I would highly recommend Mel Finance for anyone who is looking for home financing.
Maria T
Maria T
December 24, 2023
Mel Finance and Lumbini for Best long term mortgage engagements!! We just completed our second property with them and looking forward for more!!! When it comes to mortgages and account formation Lumbini always take care of details and gives you a great peace of mind. Best offers and market leading lenders are their specialties. Apart from just getting the loan sanctioned they advise you on facts and reality which help you make best decision rather than burning money in a long run. Unlike just client lender broker relationship Lumbini and Melfinance strive to keep a long term relationship with client which is only possible by providing quality services and continuous support. Look no further if you need best advices on current market conditions!
Jayesh Nath
Jayesh Nath
December 4, 2023
Lumbini was incredibly helpful throughout the whole process. We were first home buyers had had no idea where to start and he explained everything to us and answered every one of our questions with patience. I would highly recommend Lumbini as your mortgage broker he is experienced and helps put your mind at ease with all the stressors. Would recommend him to family and friends without question!
Hannah M
Hannah M
November 12, 2023
I am delighted to share my recent experience in purchasing a new home and express my heartfelt appreciation to our dedicated mortgage broker, Lumbini. Throughout the entire process, Lumbini exhibited a remarkable level of professionalism, great service, and care. His patience and attention to detail during our consultations were truly outstanding, making the complex journey of securing a mortgage simple and seamless. I wholeheartedly recommend his services to anyone in need of expert guidance in the mortgage arena. Thank you, Lumbini, for your exceptional support and expertise! 😊
Elizabeth Z
Elizabeth Z
November 3, 2023
Lumbini was fantastic to work with. He made the process less complicated and provided appropriate advice and care. Overall a pretty seamless engagement and couldn't be happier with the outcome. Would definitely be engaging for future mortgage needs. 😀
David Lim
David Lim
October 23, 2023



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