Chocolate Money

Chocolate Money We put sweetness into people's lives by facilitating their business dreams, hopes & aspirations!

If it makes sense, we'll help finance their home, business or life!

Every business feels the pressure of the peak season differently. Here’s how Chocolate Money can help you– no matter the...
21/10/2025

Every business feels the pressure of the peak season differently. Here’s how Chocolate Money can help you– no matter the challenge.

- Need to pay suppliers upfront but waiting on customer payments?
- Cash tied up in unpaid invoices while bills keep coming in?
- Need to invest in new equipment to meet higher demand?
- Want flexible working capital to cover seasonal costs?
- Need quick funds to seize short-term opportunities?

Chocolate Money is the finance broker of choice for the self employed since 2003. Contact us on 1300 137 539.

Chocolate Money can support servicing your loans via 2025 interim accounts merely through your accounting software. In ...
20/10/2025

Chocolate Money can support servicing your loans via 2025 interim accounts merely through your accounting software. In other words, your accountant doesn't need to have completed your audited accounts – we can use just your accounting software information.

We can look at your 2023 and 2024 accounts, but base your loan assessment on 2025 info. Normally interim accounts are often better before audit, income distribution, etc.

Therefore, if you are in need of finance, now is a good time to check in with the Chocolate Money team to find out options available at this point of time.

Wishing our wonderful team member Jenny a very happy birthday 🥳
12/10/2025

Wishing our wonderful team member Jenny a very happy birthday 🥳

Thank you to ABPA for hosting such a professional event! Sure to be the first of many events involving Chocolate Money a...
20/09/2025

Thank you to ABPA for hosting such a professional event! Sure to be the first of many events involving Chocolate Money and ABPA!!

Current construction loan special offers:· Development finance up to $40m – interest may be capitalised.· 3 or more town...
17/09/2025

Current construction loan special offers:
· Development finance up to $40m – interest may be capitalised.
· 3 or more townhouses considered development finance. Up to 80 units, can capitalize interest.
· Flexible presale requirements (no presales requirement under 10 units possible)
· Single / duplex construction up to 80%LVR
No line fees!
Contact us for details on 1300 137 539!

Reach out, to say G'day and 'R U OK' today and every day!
10/09/2025

Reach out, to say G'day and 'R U OK' today and every day!

Another great eating meeting with the team and thank you to Thinktank visiting and letting us know about their unique SM...
10/09/2025

Another great eating meeting with the team and thank you to Thinktank visiting and letting us know about their unique SMSF policies! Combined early birthday wishes for Louisa and Harry. 🎂

RESIDUAL STOCK - Building Industry Loans Loan terms up to 5 years• Grants developer time to sell stock• Interest capital...
28/08/2025

RESIDUAL STOCK - Building Industry Loans
Loan terms up to 5 years
• Grants developer time to sell stock
• Interest capitalise for entire loan term
• Up to $25m – can be for refinance or equity release
• Up to 75% including interest budget
• Unlimited cash-out
• No early repayment fees
• Allows developer to secure the next development site with equity from previous projects.

RESIDENTIAL CONSTRUCTION LOANS- Vacant land & construction - from 7.64% | from 6.09% upon completion- Low Doc and Full d...
24/08/2025

RESIDENTIAL CONSTRUCTION LOANS
- Vacant land & construction - from 7.64% | from 6.09% upon completion
- Low Doc and Full doc options
- Up to 80% LVR
- Loan size from $3m - $40m
- Vacant land up to 2 years | construction up to 30 years, up to 5 years interest only
*Rate dependant on risk, LVR and loan size.

Wonderful way to celebrate Anthy’s birthday! Thank you also to chocolate money supporters from Westpac Commercial and B...
06/08/2025

Wonderful way to celebrate Anthy’s birthday! Thank you also to chocolate money supporters from Westpac Commercial and Business banking, Nick and Florence who joined us! 🙏🏻🎂

NO DOC - Developer's financeUp to $7m and 70% LVRShort term commercial facility (6 - 12 months usually)E.g. 4 residentia...
18/07/2025

NO DOC - Developer's finance
Up to $7m and 70% LVR
Short term commercial facility (6 - 12 months usually)
E.g. 4 residential units on one title was financed for 12 months with cash-out as the stated purpose.
Only unregulated loan purpose accepted - not for consumers!

Don't Despair - there's a way out if you are unable to complete your project!A Chocolate Money Property Developer is loo...
18/07/2025

Don't Despair - there's a way out if you are unable to complete your project!

A Chocolate Money Property Developer is looking for distressed, semi-completed or not yet started domestic and commercial projects to purchase!

Developer prepared to pay fair market value.

He is looking for projects between $3-$5m in the South Eastern and Eastern suburbs of Melbourne.

Contact Chocolate Money to be put in touch - 1300 137 539!

Address

East Melbourne, VIC

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61400011476

Website

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Dangerous times for businesses

Financially-stressed builders, developers and the self employed are struggling to access funds due to varying appetites and obscure lending parameters from banks and non-bank lenders.

Even the 3 year government loans provided to banks to lend to SMEs are fraught with danger due to the short loan terms, high repayment amounts, differing interest rates and high thresholds to qualify due to banks voluntarily applying ‘responsible lending guidelines’ to non-consumer loans.

Loans for the self employed have become complex for borrowers but there are still plenty of funds available for businesses and people within the building industry who have experienced credit advisors to help them navigate through the current quagmire and represent their situation in an appropriate light.

Chocolate Money is the building industry’s biggest advocate in securing the most suitable loans!