Funding That
Supports Your
Ambitions.
Growing businesses need capital — but not all capital is equal. The wrong structure constrains your operations and burdens your cash flow. We structure funding that matches the rhythm of your business, not the bank's.
Capital structured around how your business runs.
We work with SMEs to build funding that flexes with your operating cycle. Working capital, term debt, equipment finance — packaged so you have the flexibility to operate and grow, without over-leveraging or paying for facilities you don't need.
We model serviceability before any lender does. Lenders see a professional credit submission, not financials thrown together. And if the numbers don't support the borrowing, we'll tell you when not to borrow. Based in Canberra, connected nationally.
Understand your business
Revenue cycles, margin profile, growth plans, capital requirements. This informs everything we do.
Model your serviceability
Detailed cash flow models that demonstrate your ability to service debt — presented the way credit teams want to read them.
Structure the right facilities
A package giving you room to operate and grow. Not too much, not too little — matched to your cash flow.
Manage covenants and reviews
We help you understand what covenants mean, monitor compliance, and negotiate adjustments when circumstances change.
Funding solutions.
We arrange the full spectrum of business finance — from everyday working capital through to complex acquisition funding.
Working capital & cash flow
Overdrafts, invoice finance, and trade finance structured around your operating cycle — not the bank's.
Equipment & vehicle finance
Chattel mortgages, finance leases, and rental arrangements for business assets. Matched to useful life and cash flow.
Expansion & acquisition funding
Growth capital for new locations, competitor acquisitions, or management buyouts. Structured to survive the transition.
Debtor & inventory finance
Release cash tied up in receivables and stock. Turns your balance sheet into a working capital facility.
Fit-out & refurbishment finance
Fund premises improvements without draining working capital. Structured to match the productive life of the improvements.
Contract & project finance
Funding to deliver on large contracts or project-based work. Drawdown structures matched to milestones.
Industries we serve
- —Manufacturing and engineering
- —Transport and logistics
- —Construction and trades
- —Professional services
- —Healthcare and allied health
- —Hospitality and food services
- —Retail and wholesale distribution
- —Technology and software
Who we work with
- —Established SMEs seeking growth capital or facility restructuring
- —High-growth businesses requiring flexible funding solutions
- —Family businesses planning succession or generational transitions
- —Businesses acquiring competitors or complementary operations
- —Owner-operators purchasing equipment or commercial premises
- —Professional practices expanding or buying in partners
A relationship, not a transaction.
Business finance doesn't end at settlement. As your business grows, your funding needs evolve — and so should your facilities. We stay engaged to make sure your debt supports your ambitions instead of constraining them.
We're a small team working with a small number of clients. That means we know your file, your covenants, and your next move before you call.
Access appropriate lenders
From major banks to specialist business lenders, we know who's active in your industry and how to present your business to match their appetite.
Prepare the submission first
We build the credit submission before approaching lenders. For clean acquisitions, that means indicative terms within 48 hours.
Structure to fit
Working capital, term debt, equipment finance — combined so each facility does its job without overlap or waste.
Plan for what's next
As you grow, we revisit the structure. Facilities should keep pace with the business, not hold it back.
The metrics business lenders actually assess.
We structure deals around the numbers that matter to credit teams — so your application lands in the right shape, the first time.
Debt Service Coverage (DSCR)
Demonstrating sufficient cash flow to service debt obligations.
Interest Cover Ratio (ICR)
EBITDA relative to interest expense.
Leverage Ratio
Total debt relative to earnings or equity.
Working Capital Cycle
Understanding debtor days, creditor days, and inventory turnover.
Revenue Quality
Recurring vs project-based, customer concentration, contract terms.
Growth Trajectory
Historic growth, pipeline, and realistic forward projections.
Matched to the right credit appetite.
We hold active relationships with lenders writing business debt across Australia — matching each transaction to the institution with the right appetite for your industry and stage.
Competitive Pricing
Major Banks
For established businesses with strong trading history and clean financials. Typically the most competitive pricing for straightforward transactions.
Flexibility
Specialist Lenders
For unique profiles — high growth, industry-specific assets, or non-standard revenue models. Often more pragmatic and faster to approve.
Complex Solutions
Private Credit
For complex situations — acquisitions, turnarounds, or growth plays that don't fit traditional credit boxes. Higher cost, but often the right solution at the right time.
Development Finance
Construction loans and capital stacks for residential and commercial developers.
Commercial Property
Investment and owner-occupier finance across the ACT and regional NSW.
M&A Funding
Business acquisitions, management buyouts and succession funding.
Business Finance Canberra
Working capital, equipment and growth finance for Canberra businesses.
Ready to discuss your funding needs?
Start the Conversation
Let's Discuss Your Business Funding
Whether you're funding growth, restructuring existing facilities, or planning an acquisition — we'd welcome the opportunity to review your situation.
Contact Details
Phone
02 6188 9849
info@blackmountainfinancial.com.au
Office
Level 1, 33 Allara Street
Canberra ACT 2601
Hours
Monday – Friday, 9am – 6pm
What to Expect
- Honest assessment of your options
- Response within 24 hours
- Strategic insight, not a sales pitch
- No obligation discussion