AUSTRALIA · Commercial Finance & Advisory
Commercial finance & advisory, structured by someone who's sat on the both sides of the desk.
Broking and advisory in one place. Commercial finance, home loans and the cash flow and debt structuring that makes a business actually work.
In commercial banking at Australia's leading banks.
Background. We read financials like an accountant, not just a broker.
We've worked with business from startups, through to $100m annual turover.
From small business through established, complex structures
Why Charter Point
Banking and credit experience
I structured deals from inside two major Australian lenders before Charter Point existed, so I know what a credit team needs to see before it will say yes. That means knowing which lender's credit team will actually engage with a complex file rather than quietly shelve it, and presenting financials in the format that gets a deal through committee instead of kicked back for more information. The file gets built that way from the first conversation.
An accountant's read on the numbers
I started in accounting, so your financials get reviewed the way an accountant reviews them — cash flow, add-backs, working capital position — before a lender ever opens the file. Issues get caught and addressed on my desk, not discovered halfway through an assessment. That's usually the difference between a clean approval and weeks of back-and-forth.
Every business type and scale
I work with businesses from SME through to groups turning over up to $100M annually, across simple single-entity structures and layered trust and company groups. Complexity is the specialty, not a reason to say no. Where other brokers see a file that's too hard to package, that's usually where the real work — and the better outcome — sits.
Right person, right bank
Sometimes the broker channel isn't the best route. Direct banking experience means pointing you to the right banker or relationship manager when that genuinely gets a better result.
What we do
01 — Broking
Commercial finance broking
- Business acquisition finance
- Commercial property finance
- Trade finance and working capital
- Asset finance
We also arrange home loans for PAYG applicants.
02 — Advisory
Advisory services
For businesses that look profitable on paper but feel like they're constantly chasing cash. Fee-based, separate from broking.
Cash flow cycle analysis
Why profit on paper isn't showing up as cash in the bank.
Debtor and creditor terms
Negotiating payment terms with suppliers and customers that actually suit the cycle.
Debt facility structuring
Restructuring existing debt to match how the business really operates.
The kind of problems we solve
Some of the success we've achieved for our clients.
When the deal didn't fit the standard checklist
A property developer needed significant funding that a policy-only read would have declined outright. I worked outside the bank's standard lending policy, built the case around the underlying project economics and the borrower's track record, and presented it to a credit team I knew would engage with it properly. It was approved on the strength of the argument, not the checklist.
No property on the table didn't mean no deal
A client wanted to acquire a business but had no real property to offer as security. Rather than stopping there, I structured the facility around the acquired business's cash flow, earnings quality and fundamentals. Reading the business rather than only the collateral is what made the acquisition fundable.
Generic facilities cost businesses money
An off-the-shelf facility was quietly costing a business more than it needed to every month, because the structure had nothing to do with how that industry actually trades. I rebuilt the structure around the sector's working capital cycle, which meaningfully reduced ongoing costs and freed up headroom the business could actually use.
Profitable on paper, stretched in the bank account
A business was clearly profitable but constantly short of cash. I mapped the cash flow cycle, reset debtor and creditor terms, and restructured the debt so repayments matched the way money actually moved through the business. That's the advisory work in practice — the problem wasn't the next loan, it was the cycle underneath it.
ACCESS ACROSS 70+ LENDERS — MAJORS, SECOND-TIER AND SPECIALISTS
How it works
Book a free consultation
A short conversation about the business and what you're trying to do.
We assess the business
Financials, structure, goals. The full picture, read properly.
We structure and present
The right facility, packaged the way a credit team wants to receive it.
Settlement and beyond
Through to funding, with ongoing advisory support where it's useful.
Questions
Why this matters to you
- Fewer deals kicked back for missing information, because the file is built right the first time.
- Facilities structured around how the business actually operates, not a generic template.
- Advisory support available when the real problem is cash flow, not just the next loan.
- Direct access to the person structuring the deal — not handed off between a broker and a processing team.