Lending, structured for real life
Home loans, investment lending, refinancing, business and asset finance, commercial property and SMSF, sourced from a broad panel of Australian lenders.
Borrowing should feel clear, not complicated
Buying a home, refinancing, or expanding a business is one of the biggest financial decisions most people make. It should feel considered, not rushed, not overwhelming.
We've spent over a decade in banking and broking, and we use that experience to do one thing well: look at your full picture, walk you through your real options, and structure a loan that genuinely fits your goals.
Our first phone call is a no-obligation conversation. We listen, take notes, and come back to you with options to consider, usually within 24 to 48 hours.
Lending for life and property
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Whether it's your first home, your next home, or something more considered, we help you understand the lending market, prepare your application properly, and structure the loan to fit your circumstances.
First home buyers
Owner-occupier purchases
Refinancing
Loan pre-approval
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For clients building or growing a property portfolio. We focus on the structure as much as the rate, how the loan is held, the implications for cash flow, and how it fits with the rest of your strategy.
Residential investment loans
Multi-property portfolios
Equity release for further investment
Cross-collateralisation reviews
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When the timing of a property purchase and sale don't quite line up, bridging finance fills the gap. Whether you're downsizing, upgrading, or moving before your existing property has settled, we structure the funding to take the pressure off the timeline.
We work with the full spectrum of bridging options, from fast private funders for time-critical situations through to mainstream lenders for more conventional bridging structures. That breadth matters: a lot of banks advertise bridging finance but only deliver it in narrow circumstances. We don't work that way.
Closed bridging (where your existing property is already under contract)
Open bridging (where your existing property is still to be sold)
No-end-debt bridging for downsizers
End-debt bridging where ongoing funding is required post-settlement
Fast settlements for time-critical situations, often where banks have said no
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Some scenarios don't fit a standard application. Self-employed income, complex ownership structures, recent credit events, or unique security types, these are situations where traditional banking often says no. We have lenders and pathways for all of them.
Self-employed and contractor lending
Debt consolidation, including tax debt
Equity release for non-housing purposes
Specialist and non-conforming lending
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Self-managed super fund lending for residential and commercial property held within an SMSF. A specialist area where structure and lender choice matter, we work through it carefully with you and your advisers.
Residential SMSF lending
Commercial SMSF lending
SMSF refinancing
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Funding to support business operations, from working capital and equipment finance through to vehicle and technology purchases. We match the structure to your business model and cash flow.
Business loans and lines of credit
Equipment and machinery finance
Vehicle and fleet finance
Technology and fit-out finance
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Most business owners who've tried to get an overdraft or cash flow facility through a bank know how the story goes: six to eight weeks of back-and-forth, only to end up with a result that doesn't fit, or no result at all. There's a faster way.
We work across both traditional bank overdrafts and the non-bank cash flow market, and for most businesses, the non-bank route is the one that actually delivers. Many of these funders assess on the strength of your business activity rather than just historical financials, with decisions in days rather than months.
We work with major Australian banks where clients prefer a traditional banking relationship and where the business meets the credit criteria required for a bank overdraft or conventional cash flow facility.
Non-bank cash flow facilities, faster, more flexible, often available where banks have declined
Turnover-based facilities, funding sized to a percentage of your turnover, assessed off 6 or 12 months of business bank statements
Invoice and receivables finance, for businesses with strong sales but timing gaps in collections
Streamlined documentation options for established trading businesses
If your business needs working capital and you've been quoted weeks of waiting, talk to us before you give up on it.
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Commercial property lending
For business owners and investors looking at commercial property, offices, retail, industrial, mixed-use. We handle the lending side end-to-end and work closely with your accountant and solicitor where useful.
Commercial property purchases
Owner-occupier business premises
Refinance of existing commercial debt
Industrial and warehouse facilities
*Larger development and construction finance is covered under AKR Capital
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Not every business or commercial scenario fits a standard application. Complex ownership structures, self-employed income, recent credit events, or unusual security types, we have lenders and pathways for situations where the banks have said no.
Self-employed and contractor lending
Debt consolidation, including tax debt
Equity release for non-housing purposes
Specialist and non-conforming lending
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Management Rights & Manager's Unit Finance
Management Rights and Manager's Unit (MLR) lending is a specialised area of finance that requires experience, patience, and a strong understanding of both the lending and body corporate environments.
Whether you're purchasing your first management rights business, refinancing an existing operation, acquiring a manager's residence, or restructuring existing debt, AKR Finance can help guide you through the process from start to finish.
Adam has extensive experience assisting management rights operators and understands the unique challenges involved, including body corporate approvals, valuation requirements, business assessments, lender policies, and transaction timelines.
Our expertise includes:
Management Rights (MLR) acquisition finance
Manager's Unit purchase and refinancing solutions
Body corporate and strata-related lending requirements
Business and commercial lending structures for management rights operators
Refinancing and debt restructuring solutions
Access to specialist lenders with experience in the management rights sector
Guidance throughout the approval and settlement process
Management Rights transactions are rarely straightforward. Having an experienced finance partner who understands the industry can make a significant difference to both the outcome and the overall experience.
Whether you're entering the industry for the first time or you're an experienced operator seeking a fresh approach, AKR Finance can help structure the right finance solution for your circumstances.
Business & Commercial Lending
How It Works
From the first call to settlement.
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A no-obligation phone call to understand what you're looking for. We listen, ask the right questions, and get a sense of your circumstances and timeframes.
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Within 24 to 48 hours, we come back with realistic options, including indicative numbers to help you plan around your budget and timeframe.
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Once you choose a direction, we help you prepare a complete, well-presented application. Strong applications get the best outcomes.
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We submit, manage, and follow up the application with the lender, keeping you informed at every stage and resolving anything the lender raises.
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Once approved, we guide you through the loan paperwork carefully so settlement is smooth and on time.
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Settlement day. Funds released. Loan in place. And we're still here for the next conversation, whether that's a review, a top-up, or your next purchase.
Looking for something more specialist?
If your project is capital-grade, we have a separate practice for that.
Development funding, construction finance, mezzanine structures, joint ventures, residual stock funding, or international institutional capital: these sit outside the scope of standard broking. AKR Capital is our dedicated practice for that work.