02/12/2025
The Finance Strategy Trusted by Australia's Major Operators
“How to Take the Power Back from the Banks – A Message from Marcus Millard”
Season's Greetings from Marcus Millard, founder of Millard Financial and an expert in SME commercial lending.
I’m writing to you, our current and previous clients, to continue building awareness of what we do and how we can support your business. Millard Financial is a specialist business and commercial finance brokerage, focused on:
Heavy and light equipment finance
Asset and equipment finance
Project finance
Cashflow and working capital
Fit-out finance
All forms of commercial lending
We are also finance partners to some of Queensland’s largest land clearing and earthworks companies, BHP suppliers and machinery sales dealerships throughout the eastern seaboard and across Australia.
For the past 13 years, I’ve built Millard Financial the old-fashioned way – face-to-face relationships and reputation. Over that time, I’ve developed deep knowledge of the nuances, policies and risk appetites of the commercial lending market. This is my wheelhouse.
I have access to all major banks and a wide range of boutique and specialist lenders who focus on helping businesses acquire equipment and fund projects even when they don’t quite “tick all the boxes” for the majors. I know the workarounds, I know who to talk to, and I know how to get deals done efficiently, quickly and economically – with many deals turned around in a day or two.
Because of the volume and quality of work I write, I’m on a first-name basis with senior decision makers in almost every commercial lending institution in the Australian market that will buy deals on my recommendation. Most of my lenders look at how your company is trading, your reputation and your references – not just what your lodged financials say. In many cases, we don’t need lodged financials to fund your equipment and expansion. Commercial lenders can and do make common-sense decisions, not just decisions based on figures submitted to the ATO.
A major part of my expertise is spreading SME finance commitments across multiple lenders so that no single bank or lender ever feels they “control” your business or its direction.
I structure your facilities so that:
No one lender is in a position of dominance.
Lenders are competing for your business rather than dictating terms.
The power stays with you – the directors and shareholders – not with a bank that thinks it’s your CFO.
If you’ve ever been told, “Your current exposure is enough for now, let’s revisit this in 6–12 months”, my objective is to make sure you never have to hear that again. When Millard Financial manages the spread of your commitments, what you’ll see instead is top-tier lenders competing for a share of your business.
Because of my long-standing relationships and status as a major writer with many lenders, I’m able to workshop deals within hours and protect your credit file at the same time.
In practical terms, that means:
I speak directly with upper management and senior credit.
In around 19 out of 20 cases, we have a deal pre-approved off the books before any application is lodged.
You can have verbal offers on the table before a single enquiry is made on your credit file.
Your reputation and credit position are treated as assets to be protected.
After 13 years of building this business through referrals and face-to-face meetings, it’s time I communicate digitally with the people who helped build it: you, my past and present clients.
I invite every one of you reading this to:
Save my details in your phone as:
“Marcus Millard – Commercial Finance”
Reach out to me with any of the following:
Questions or “what if” scenarios
Quotes you’ve received from other lenders
Advice on ABN lending
Heavy equipment finance
Vehicle and fleet finance
Large project and expansion funding
Private first and second mortgage bridging finance so you don’t miss opportunities
I understand that dealing with finance in the middle of your workday isn’t always practical. That’s why I make myself available after hours.
You can contact me:
Phone: 0403 945 148
Email: [email protected]
Hours: 7:00am – 7:00pm, 6 days a week
Please let me know if I can assist in any way or answer any questions. My role is to take the pain out of lending, protect your position in the market, and make funding simple, fast and effective for you and your clients.
Wishing you a very Merry Christmas and a Happy New Year!!
