Broad lender panel
We compare finance across Tier 1 banks, second-tier lenders and specialist non-bank lenders. By assessing options across our broad lender panel, we help you find a lender that's suited to your business and financial circumstances.
Industry
Small Business Owners
Finance structured around how your business really operates. We help small business owners compare suitable options for working capital, equipment, commercial property and business growth.
Talk to a broker
Small business owners often have more complex income and financial structures than salaried borrowers. We consider tax returns alongside BAS statements, cash flow, bank statements and other relevant information, subject to lender requirements.
At 3LANE Finance, we help small business owners across Sydney and NSW secure finance that's aligned with the way their businesses actually operate. Whether you need working capital, equipment finance, commercial property finance or funding to support growth, we compare lenders across our broad lender panel to find a solution that suits your circumstances.
We understand how different lenders assess business income and structure your application to present your financial position as accurately as possible. We structure and present your application clearly, then identify lenders whose assessment criteria may suit your business and financial circumstances.
Why choose 3LANE Finance
Small business owners often have more complex financials than salaried borrowers. We understand how lenders assess business income and help you find a finance solution that's aligned with the way your business operates.
Specialist finance expertise
We consider your tax returns alongside cash flow, BAS statements and other relevant financial information to understand how your business generates income. By presenting your financial position clearly, we help lenders gain a more complete picture of your borrowing capacity.
Smarter lender selection
Every lender has different criteria for assessing business income, cash flow and security. We compare your circumstances across multiple lenders before you apply, helping you approach lenders whose criteria are better aligned with your circumstances.
End-to-end support
From your initial enquiry through to settlement, we manage the finance process on your behalf. We liaise with your lender, keep your application on track and keep you informed every step of the way.
How we help
Small business owners need finance that's built around the way their businesses actually operate.
Many lenders assess business owners using standard lending criteria that don't always reflect the true strength of a business. Reinvested profits, seasonal cash flow and one-off expenses can all affect borrowing capacity, even when the business is performing well.
By comparing lenders across our broad lender panel, we help you find a finance solution that's aligned with your circumstances. We present your financial position with the context lenders need, highlighting trading performance, cash flow and other factors that provide a more complete picture than tax returns alone.
- Working capital and cash-flow finance to support seasonal or project-based businesses
- Commercial property finance for business owners purchasing their own premises
- Business loans for growth, inventory, equipment and expansion
A small business approach to your finance
Small business owners have unique financial circumstances. We take the time to understand how your business operates, identify a lender that may suit your circumstances.
01
Understand the business
We take the time to understand your business, income structure, security and funding requirements. We also consider the factors lenders assess when reviewing finance applications from small business owners.
02
Structure a suitable solution
We compare lenders, loan structures and repayment options before you apply. By matching your business with a lender that's suited to your circumstances, we help you approach lenders whose criteria are aligned with your circumstances and structure finance around your goals.
03
Manage your application
We prepare your application, liaise with your lender and keep the process moving through to settlement. With 3LANE Finance managing the details, you can stay focused on running your business.
Run the numbers
Estimate loan repayments and explore indicative finance scenarios. Property purchasers can also estimate stamp duty. Results are indicative only; your broker will confirm the figures relevant to your application.
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.
It may be possible. Lenders vary in how they assess tax returns alongside other evidence, such as accepted add-backs, BAS statements and bank transaction data. We compare your circumstances against lenders whose assessment approach may provide a more complete picture of your business.
A business loan broker compares lending options across multiple lenders and structures your application around your business's real financial position, rather than presenting a single bank's product range.
Potentially. Commercial property finance may be available for owner-occupied premises, subject to your business’s serviceability, the property, available security and lender criteria.
Add-backs allow certain business expenses, like depreciation or one-off costs, to be added back to reported profit for lending purposes. Policy on which add-backs are accepted varies significantly between lenders, which is why comparing your scenario across a panel matters.
Potentially. Working-capital finance may be available for businesses with seasonal or uneven income. Eligibility will depend on factors such as trading performance, cash flow, security and lender policy. We can assess suitable options based on your funding cycle
We work with major banks, second-tier lenders and specialist non-bank funders. The lenders available will depend on your finance requirements and circumstances, and we compare suitable options from our panel.
Yes. We arrange asset and equipment finance for small business owners, comparing chattel mortgage, lease and rental structures to suit your cash flow and how the asset will be used.
Your initial consultation with 3LANE Finance is complimentary. In many cases, no broker fee is payable by you because we receive a commission from the lender when your finance settles. If a broker fee applies, we will disclose and agree it with you in writing before you proceed.
Timeframes vary by lender, loan type and how complete your documentation is when you apply. We prepare your application around the evidence each lender needs upfront to help avoid delays.
Yes. We check in periodically to see whether your current rate, structure and features still suit your business as you grow.
Talk to 3LANE
Finance built around your business
Whether you need working capital, equipment finance, commercial property funding or support for your next stage of growth, we’ll help you compare suitable options.