Fire Loans

Company · Company Loan

Finance in your company's name, backed by the right structure

Borrowing through a Pty Ltd company changes what a lender wants to see trading history, director guarantees and company financials, not just a payslip. We package the application the way a commercial credit team actually wants to read it.

Corporate borrower lending
Director guarantees may apply
Property & asset finance

Who it's for

  • Pty Ltd companies purchasing commercial or investment property
  • Companies financing vehicles or equipment in the business name
  • Group structures with a holding company and multiple trading entities
  • Directors who want the loan on the company's balance sheet, not their own

How it works

The same clear process every time, shaped around this specific loan type.

  1. 1

    Company structure & financials review

    We review trading history, financials and group structure to understand how a lender will read the application.

  2. 2

    Panel comparison for corporate borrowers

    We compare lenders who lend confidently to trading companies, including newer entities where the financials support it.

  3. 3

    Director guarantee & security documentation

    Where a director guarantee is required, we make sure it's understood and documented clearly before signing.

  4. 4

    Settlement in the company's name

    The loan and any security settle correctly against the company as borrower.

What's included

Pty Ltd & group lending

Lending structured for single trading companies through to multi-entity group structures.

Director guarantee structuring

Clarity on what's being guaranteed and by whom, before you're asked to sign anything.

Commercial & residential property

Property purchased in the company's name, whether for the business to occupy or as an investment.

Works with your accountant

We coordinate directly on financials and structure with your company's accountant.

Get your accountant to prepare a one-page group structure chart before we submit anything it answers half the credit team's questions before they ask them.

Common questions

Does the company need a long trading history?
It helps, but newer companies can still qualify depending on the director's experience, the financials, and the security offered we'll tell you honestly where you sit.
Do directors have to personally guarantee the loan?
Frequently, particularly for smaller or newer companies with limited assets of their own. We flag this upfront rather than after an application's underway.
Can a brand-new company borrow?
Sometimes, especially with strong director experience and adequate security but options are more limited than for an established trading entity.
What financials will lenders ask for?
Typically the last two years of financial statements and tax returns, current BAS, and a company structure chart if there's a group involved.