Commercial lending expertise
We understand business financials, cash flow, ownership structures, security and the information lenders need to assess an application.
Service
Business Loans
Compare business loan options for working capital, cash flow, expansion, refinancing, premises and equipment structured around the way your business operates.
Talk to a broker
The right business loan is about more than the interest rate. Loan purpose, cash flow, security, repayment structure and lender appetite all influence how much you can borrow, how quickly funding can be arranged and how comfortably repayments fit within your business.
We compare business lending across banks, non-bank lenders and specialist funders, then structure and present the application around your financial position, operating cycle and growth plans.
Whether you are managing a cash-flow gap, refinancing existing debt or funding the next stage of the business, we help you pursue finance that supports your objectives without placing unnecessary pressure on cash flow.
Why choose 3LANE Finance
Business lending requires more than comparing interest rates. We combine commercial lending experience, lender-policy knowledge and careful loan structuring to help you pursue a suitable funding outcome.
Broad lender access
We compare business loan options across major banks, non-bank lenders and specialist funders to identify lenders suited to your circumstances.
Policy-led lender matching
We assess your application against lender appetite and credit requirements before approaching the market, helping identify potential issues early.
Structured for what comes next
We consider repayments, security, flexibility and future borrowing needs—not simply the initial approval.
How we help
We look at how your business operates, what the funding needs to achieve and how the proposed debt will be serviced before recommending a lender or facility structure.
- Review financial performance, cash flow, borrowing capacity and lender policy
- Compare facility types, repayment structures, security requirements and lender options
- Prepare and present the application, manage lender questions and negotiate key terms
A clear path from enquiry to settlement
A structured business-loan process designed to identify potential issues early, present your application clearly and keep the funding process moving.
01
Understand your business
We review your objectives, ownership structure, financial performance, cash-flow cycle, existing debt, available security and funding timeframe.
02
Build the funding strategy
We determine the appropriate facility structure and lender shortlist, balancing pricing, repayments, security requirements and ongoing flexibility.
03
Manage approval and settlement
We prepare the lender submission, coordinate supporting information and valuations, manage lender questions, review the proposed terms and guide the application through to settlement.
Run the numbers
Estimate repayments, borrowing power and stamp duty. Indicative only — your broker confirms the real figures.
Monthly repayment$4,497
Fortnightly$2,075
Weekly$1,038
Total interest$868,786
Estimates only — not a quote, credit assessment or finance approval. Figures exclude fees and assume principal & interest repayments. Stamp duty uses NSW general rates, which are indexed and may change. Speak to a 3LANE broker for numbers specific to your situation.
Get a tailored assessmentAreas we service
Based in Marrickville, we support borrowers across Sydney and NSW — in person or remotely.
- Marrickville
- Inner West
- Sydney CBD
- Eastern Suburbs
- North Shore
- Northern Beaches
- Parramatta
- Greater Western Sydney
- Sutherland Shire
- Across NSW
Related pages.
Explore related services and industries we support.
FAQs
Quick answers for clients comparing finance options.
We can help with business loans for working capital, cash-flow support, expansion, refinancing, debt consolidation, business acquisitions, premises, equipment and other operational requirements. Depending on the purpose, the solution may involve a term loan, line of credit, overdraft, asset finance or another commercial facility.
Borrowing capacity depends on factors including financial performance, cash flow, existing commitments, credit history, loan purpose, repayment term and available security. We assess your business position and the proposed transaction before identifying lenders and facility structures that may be suitable.
Not always. Some lenders offer unsecured business loans, while others may require security over residential or commercial property, equipment or other acceptable business assets. Security requirements can affect the amount available, interest rate, loan term and lender options. We explain the proposed security structure and its implications before you proceed.
Requirements vary between lenders and loan types. You may need to provide recent financial statements, business and personal tax returns, BAS, bank statements, existing loan statements, identification and details of how the funds will be used. Forecasts, a business plan or additional supporting information may also be required for an acquisition, expansion or newer business.
A bank can assess your application against its own products, policies and credit appetite. 3LANE Finance can assess the broader scenario, compare suitable options across our panel of banks, non-bank lenders and specialist funders, structure the proposed facility and manage the application through to settlement.
Talk to 3LANE
Let’s structure your next business loan
Tell us what your business needs to fund. We’ll assess your position, compare suitable lenders and help structure finance around your cash flow, security and objectives.