Business moves fast. Your finance should move faster.
In the commercial world, timing is the only thing. If you’re looking to secure a new warehouse, upgrade your fleet, or bridge a cash-flow gap to take on a massive new contract, you need a lending partner who speaks the language of business. At VaultFin, we provide commercial finance solutions that are built for the real world. We move past the generic “no” of the big banks to find the strategic “yes” that fuels your growth.
Overview
Commercial finance doesn’t work like a home loan. There’s no “standard” box to tick because no two businesses look the same. Every owner we talk to has a different story, a different way their cash moves through the month, and a completely different end goal.
Who this service is for We work with a diverse range of Melbourne-based businesses, from ambitious startups that have just found their footing to established enterprises looking to consolidate their position. If you are an entrepreneur who feels like your current bank is slowing you down, or a property developer looking for more flexible terms than the majors offer, our commercial desk is built for you.
Common business lending needs Most of our clients come to us at a turning point. They might be moving from a home office or a small rental into a dedicated commercial warehouse or retail shop, needing a sudden injection of capital to hire staff or purchase bulk inventory for a peak season, modernising, or managing the gap to cover expenses while waiting for large invoices to be settled.
Types of commercial clients We represent everyone from medical professionals and tradies to manufacturers and professional service firms. We also specialise in assisting property developers who require sophisticated funding structures for multi-unit residential or commercial builds. No matter the industry, we focus on the strength of your business model.
Why Choose Us
Speed & Certainty
In business, a slow “maybe” is worse than a fast “no.” We pride ourselves on rapid assessments. We get into the weeds of your financials quickly so you know exactly where you stand, allowing you to move on opportunities before your competitors do
A Truly Diversified Lender Panel
We have direct access to a deep pool of non-bank lenders, private funders, and boutique commercial firms. This means we can find “common sense” credit teams who are willing to look at the big picture of your business.
Strategic Expertise
We look at how debt will sit on your balance sheet. We work alongside your tax professionals to ensure the interest is deductible where possible and that the repayments are structured to match your seasonal cash-flow highs and lows.
Debt Restructuring
We look at how debt will sit on your balance sheet. We work alongside your tax professionals to ensure the interest is deductible where possible and that the repayments are structured to match your seasonal cash-flow highs and lows.
Types of Commercial Loans
Working Capital & Lines of Credit Cash flow is the lifeblood of any business. We set up flexible lines of credit or overdraft facilities that give you a safety net. This allows you to pay suppliers, manage payroll during quiet months, or jump on a bulk-buy discount without draining your primary operating account.
Equipment Finance & Asset Leasing Don’t tie up your valuable cash in depreciating assets. Whether it’s a fleet of vehicles, specialized medical equipment, or a full office fit-out, we can structure lease or chattel mortgage arrangements. This keeps your capital free for growth while giving you the equipment you need to generate revenue today.
Commercial Mortgages Buying your own premises is a significant milestone. We help business owners transition from being tenants to being landlords. We secure mortgages for warehouses, retail outlets, and office suites, often with terms that are much more flexible than a standard residential loan, including interest-only periods to help with initial transition costs.
Development Finance For our developer clients, we provide end-to-end funding solutions. This includes everything from land acquisition loans to construction finance and “residual stock” facilities. We understand the complexities of “pre-sale” requirements and can help you find lenders who are comfortable with higher-risk profiles or unique construction methods.
Don’t let a lack of capital hold your business back.
The right finance is a multiplier for your hard work. If you’re looking for a simple equipment lease or a complex multi-million dollar development facility, let’s sit down and map out a path that works for your bottom line.