The bank stopped calling you back.
You're under $5 million, so you've been pushed to a call centre.
Big-bank commercial desks are built for $20M+ deals. Anything smaller gets triaged by a junior assessor with a checklist.
Your deal doesn't fit the template, so it gets a no without a conversation.
Self-employed income, property in a trust, seasonal revenue, SMSF structures: credit policy wasn't written for you, so the system says decline.
You know your business can grow, but the paperwork keeps coming back.
Each round of back-and-forth costs you weeks. Meanwhile the deal you're chasing moves on, or a competitor moves in.
I've sat on the other side of the desk.
I spent years at CBA as a commercial banker, writing credit papers for businesses with turnover over $50 million and debt facilities above $30 million. I know what a good submission looks like because I wrote them, and I know what sinks one.
Before that, KPMG Portfolio Solutions, working on liquidating distressed bank portfolios across Europe. That taught me how lenders think about risk when things go wrong, not just when things are easy.
Now I work on SME deals personally. Every credit paper, every lender conversation, every follow-up. No handover to an assistant. No call centre.
What I can finance for you.
Commercial property finance
Purchase, construction and investment lending secured by commercial real estate.
Business acquisition finance
Structure a deal to buy a business, including earn-outs and vendor finance.
Equipment and asset finance
Chattel mortgages, hire purchase and rental for machinery and vehicles.
Business overdraft
Flexible working capital facilities sized for your cash cycle, not the bank's template.
Trade finance
Import, export and supply-chain finance for businesses trading across borders.
Low doc commercial loan
For self-employed borrowers with strong equity but non-standard paperwork.
Commercial refinancing
Move to a better rate, extend term, or release equity against existing security.
Debt restructuring
Consolidate facilities and renegotiate terms when your current structure is hurting cash flow.
Commercial mortgage broker
End-to-end broking for your owner-occupied or investment property purchase.
How it works.
Free 30-minute consult.
You tell me what you're trying to fund. I'll tell you honestly whether it's financeable, and how.
I structure your deal.
I package the credit submission the way assessors want to read it, and present it to lenders who actually want your deal.
Answer in days, not weeks.
You get an indicative answer in 3 to 5 business days. No runaround, no radio silence.
Industries I know inside out.
Answers to the things everyone asks.
Can't see your question? Ask it on the call, that's what the free consult is for.
Prefer to write? I read every message myself.
If you'd rather send through the details before a call, drop a note here. I'll come back with an honest read on whether your deal is financeable, and what shape a good submission looks like.
Ready to get a straight answer on your deal?
michal.k@makfin.com.au · Adelaide, South Australia· serving Australia