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
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.