Whether you’re a tradie or a business owner, navigating the loan process as a business owner can be challenging. At Intuitive Finance, we understand the unique needs of self-employed individuals and can help you maximise your borrowing capacity and secure the best loan structure.
Loans For Tradies
People who work within trade roles often find it challenging to manage their finances and fully understand what’s needed to maximise their borrowing capacity. They face a unique blend of PAYG and self-employed income structures, which can complicate their financial picture.
Commonly, tradie’s income can fluctuate, and lenders often struggle to understand their financial structure, making it harder to access loans. Additionally, trade businesses tend to blend PAYG income with self-employed earnings, and many tradies dislike paying taxes, further complicating their financial planning.
How We Help Tradies Secure Personal Financing
At Intuitive Finance, we help tradies structure their finances in a way that’s appealing to lenders. We focus on explaining how income, not turnover or profit, affects your borrowing capacity. By helping you get your finances in order, we aim to maximise your borrowing power and improve your chances of securing a loan.
Loans For Business Owners
Proving your small business income to lenders can be more complex than simply providing pay slips. Lenders may see your income as unpredictable. Running your own business often means fluctuating income levels, and lenders will want to see proof that your business is stable and profitable.
Lenders require a clear picture of your ability to service debt, your income, and whether you have a history of maintaining a savings buffer. The more accurate and up-to-date your financial records, the better your chances of approval.
How We Help Business Owners Secure Personal Financing
We work with business owners to provide a clear and detailed financial picture that satisfies lenders’ requirements. This includes showing that your business has been running smoothly, that you have a consistent income, and that you are capable of managing debt. Our expertise ensures that you can confidently approach lenders with a strong application.
What’s Involved in Obtaining a Commercial Loan Through Intuitive Finance?
Initial Meeting
A 1-hour session to establish your financial and lifestyle goals, discuss the fact-finding document, and agree on a timeline for its return.
Fact Finding Submission
We will submit the completed fact-finding document.
Strategy Submission
Within 5 days of receiving the completed fact-finding, a written strategy is submitted to you.
Document Lodgement
Within 2 days of agreeing to proceed, documents are lodged with the institution.
Conditional Approval
Expect conditional approval within 1 to 3 days of lodgement.
Unconditional Approval
Expect unconditional (full) approval within 2 to 4 days after conditional approval.
Loan Documents Arrival
Expect loan documents to arrive within 2 to 5 days after unconditional approval.
Loan Settlement
Expect loan settlement within 3 to 5 days after submitting the signed loan documents.
Complimentary Obligation-Free Consultation
Discuss your specific needs and discover the best financing options for you. Get in touch to
organise your complimentary 60-minute session today!
Self-Employed Loan Calculators
Real Feedback from Real Clients
Buying property is one of the most stressful things you’ll ever do, and I was dreading it!
However Natasha, Melissa, Clarise, Andrew and Bonnie were all amazing at helping me through the application for finance. They all provided exceptional care, a wealth of knowledge and always got back to me promptly with answers to all my questions 😄
The whole team had a great ability to put me at ease throughout the whole process! I can’t thank you all enough and I’m so happy in my new home!
I would wholeheartedly recommend the Intuitive finance team 100% as the finance brokers for anyone needing help with financing!
Thanks again so much, you’ve helped me get to the place I wanted to be!
We had a complex situation with multiple properties, and Craig took the time to understand our needs and worked tirelessly to secure the best possible deals. We refinanced three of our properties, and the process was seamless thanks to Craig's guidance.
Their communication was outstanding, keeping us informed every step of the way. What really stood out was their willingness to go above and beyond to ensure our financial goals were met. Their professionalism, knowledge, and passion for their work are a rare find in the finance industry.
We can't recommend Craig and the team at Intuitive Finance highly enough. If you're looking for a finance broker who will truly look after your interests, look no further.
Thanks Michael & Alana
What sets them apart is their exceptional communication, organization, experience, and teamwork. They operate like a well-oiled machine, ensuring everything runs smoothly and efficiently. Despite being based in Perth, working with Lachlan and Craig in Melbourne was seamless. These two are absolute standouts—always available, quick to return calls, hardworking, and incredibly fast.
I also had the pleasure of working with Melissa and Clarise, who were equally lovely and professional. The entire team made the process stress-free and straightforward, something I’ve rarely encountered in this space.
I’ve already recommended Intuitive Finance to my family and friends because I know they’ll be in safe hands. If you’re looking for a broker that goes above and beyond, look no further. Highly rated and highly recommended!
A special thanks to Lachlan who was simply fantastic to deal with across a two year period and to Craig who made the final processes seamless.
Our Commitment to the Community
With every loan we settle, you can choose to support Challenge – supporting
kids with cancer, the Movember Foundation, or the Lungitude Foundation.
We donate $20 to your chosen charity and make annual contributions. It’s our
way of giving back and helping those in need.