COLOSSAL FINANCE ─── CAPABILITIES / BUSINESS LOANS
─── BUSINESS LOANS · TYPICALLY BLUE
Business loans, structured properly.Not just approved.
The term loan is the most common commercial facility in Australia. Which is exactly why so many of them are structured badly. The right structure pays for itself over the life of the facility.
─── WHEN THIS MATTERS
You might be here because…
You're funding a specific business event.
Acquisitions, expansions, capital expenditure, refinances — discrete events that require discrete capital.
You're consolidating multiple facilities.
Bringing together overdrafts, equipment, working capital into a single coordinated structure that reduces complexity and cost.
You're securing growth capital.
Funding the next 24 months of strategic investment with a facility structured for flexibility as the plan evolves.
─── HOW WE STRUCTURE IT
Structure determines outcome.
A business loan is straightforward in concept, complex in execution. We focus on four structural elements that determine whether the facility serves you or constrains you.
Tenor matching
Aligning facility duration with the economic life of what it funds — avoiding both refinance risk and unnecessary cost.
Security positioning
Structuring security to maximise borrowing capacity while preserving optionality for future facilities.
Covenant negotiation
Setting covenants that protect the lender relationship without constraining normal business operations.
Fixed vs variable
Structuring interest rate exposure to match business cashflow certainty and risk appetite.
─── THE LENDER LANDSCAPE
We know who lends what.
Business loan appetite varies dramatically by lender. We maintain relationships across the full spectrum.
Major Banks
Best pricing, integrated relationships, slower decisioning.
Second-Tier Banks
Faster approval, sector-specific appetite, competitive on certain structures.
Non-Bank Specialists
Speed and flexibility, higher cost, appetite for complexity.
Private Credit
Larger structures, bespoke terms, relationship-driven.
─── CASE STUDY
Facility size
$3.2M
Structure
5-year term
Timeline
4 weeks
Facilities consolidated
4
Victorian wholesale distribution — facility consolidation.
A Victorian wholesale distribution business had accumulated four legacy facilities over eight years — each made sense at the time, none coordinated with the others. Total cost was high, covenant management was complex, and security was inefficiently allocated.
We consolidated all four facilities into a single 5-year business loan with a major bank. The new structure reduced total interest cost, simplified covenant reporting, and released security for a future equipment facility.
The client now has one relationship, one facility, and clear capacity for growth.
─── WHAT IT LOOKS LIKE WITH US
How we work.
Facility review
We review existing facilities, identify structural inefficiencies, and model consolidation scenarios.
Structure design
We design the optimal structure and identify lenders with appetite for your sector and situation.
Lender engagement
We present your opportunity to selected lenders and negotiate terms that serve your business.
Settlement
We manage the settlement process and establish the ongoing lender relationship.
Need a business loan structured properly?
Start with a conversation about what you're funding and how it fits into your broader capital structure.