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Broc Finance - Finance Brokers

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Australia
Haymarket, NSW
Broc Finance - Finance Brokers

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We are finance brokers for small business lending across bank and non-bank lenders.

03/11/2026

$74,000 Unsecured Business Loan Secured Despite a Short Trading History

Short trading history making business finance harder? This building and trade client had been trading through a family trust since September 2025, continuing on from a previous sole-trader structure. That made lender assessment harder and affected the initial funding offer. Broc Finance clarified the client’s business continuity, day-to-day operations and previous sole-trader history with the lender, then worked with Prospa to maximise the funding available. The outcome was a $74,000 unsecured business loan to purchase a franchise.

Get In Touch With Us:
📞 1300 253 041
📩 [email protected]
🌐 brocfinance.com.au

03/11/2026

Sole Trader in Australia? Yes, You Can Hire Staff, But There’s a Catch

Growing as a sole trader in Australia? You can hire staff and run more than one business under one ABN, but everything still sits with you. Hiring means meeting employer obligations, including PAYG withholding, superannuation and workers compensation insurance. All your business income goes on one tax return, and you’re personally liable for every debt. If you’re growing fast, ask your accountant whether a company structure suits you better.

Get In Touch With Us:
📞 1300 253 041
📩 [email protected]
🌐 brocfinance.com.au

02/11/2026

Do You Have To Sign A Personal Guarantee For a Business Loan? (Most Owners Get This Wrong)

Do you have to sign a personal guarantee or put your house up as security for a business loan? An unsecured business loan doesn’t need property as security, but most lenders still ask for a personal guarantee, which makes you personally liable if the business can’t repay. A loan secured against property can mean a lower rate or a bigger limit, but your asset is on the line. The right choice depends on how much you need and how much risk you’re comfortable with.

Get In Touch With Us:
📞 1300 253 041
📩 [email protected]
🌐 brocfinance.com.au

30/10/2026

Business Loan Without Putting Your House Up? Here’s the Truth

Do you have to sign a personal guarantee or put your house up as security for a business loan? An unsecured business loan doesn’t need property as security, but most lenders still ask for a personal guarantee, which makes you personally liable if the business can’t repay. A loan secured against property can mean a lower rate or a bigger limit, but your asset is on the line. The right choice depends on how much you need and how much risk you’re comfortable with.

Get In Touch With Us:
📞 1300 253 041
📩 [email protected]
🌐 brocfinance.com.au

29/10/2026

$100,000 Unsecured Business Loan Funded: No Property Security Needed

Another client win! Broc Finance just secured a $100,000 unsecured business loan for a business in the professional services industry, funded through our lending partner Lumi. Unsecured business finance can give you working capital, cash flow support or money to grow without putting your home or property up as security.

With 15 years of experience, 5,000+ clients and access to 110+ lenders, our brokers compare options so you can find the right fit for your business. Just ask our client, who called Sumedha “very helpful throughout the whole process.”

Get In Touch With Us:
📞 1300 253 041
📩 [email protected]
🌐 brocfinance.com.au

29/10/2026

Should you refinance your business loan? Learn how to weigh the interest savings against the hidden costs of switching lenders.

Refinancing can be a smart move to reduce interest costs or consolidate multiple debts into a single, manageable repayment. However, it is important to look closely at the fine print before making the switch. Many business owners focus only on the interest rate, but exit fees, setup costs, and extended loan terms can quickly negate any potential savings. We explain how to calculate your total cost of credit so you can determine if a new loan structure actually improves your cash flow.

Comparing business finance options requires a clear look at the total repayment impact rather than just the monthly payment amount. By understanding these refinancing traps, you can ensure your debt consolidation strategy supports your long-term financial stability instead of adding unnecessary expense to your balance sheet.

Subscribe for weekly updates on navigating the Australian finance landscape, and let us know in the comments if you want to see a breakdown of specific loan exit fees.

Get In Touch With Us:
📞 1300 253 041
📩 [email protected]
🌐 brocfinance.com.au

27/10/2026

Refinancing a Business Loan: When It Saves Money (and When It Doesn’t)

Wondering whether to refinance your business loan to reduce interest costs? Refinancing can lower your rate or consolidate several business loans into one simpler repayment, especially if your business is stronger now than when you first borrowed. Before you switch, compare the total cost, including break fees, setup costs and a longer loan term, not just the headline rate. Broc Finance works with 110+ lenders to help Australian business owners compare their options.

Get In Touch With Us:
📞 1300 253 041
📩 [email protected]
🌐 brocfinance.com.au

27/10/2026

$150K Secured: How a Hospitality Business Refinanced and Got Extra Funding

Just funded: a $150,000 business line of credit for a hospitality client. This business needed to refinance an existing facility and secure additional funding at the same time, and several lenders couldn’t accommodate the side-by-side facility. Broc Finance compared multiple lenders and found a refinance-plus-funding solution with In2 Capital, giving the client more cash flow flexibility on better terms. Running a restaurant, café, bar or venue and need funding that fits?

Get In Touch With Us:
📞 1300 253 041
📩 [email protected]
🌐 brocfinance.com.au

26/10/2026

How Do You Pay Yourself If You're A Sole Trader? Super Rules Explained (2026)

How do you pay yourself as a small business owner in Australia, and do you have to pay your own super? Sole traders take drawings, and contributing to their own super is optional (but smart for retirement and possibly tax). If you pay yourself a wage through a company, 12% Super Guarantee applies, and since Payday Super began on 1 July 2026, it’s due with every pay run instead of quarterly. That’s a real squeeze on cash flow. Broc Finance’s lending specialists can help with a business line of credit or cash flow finance so every payday stays covered.

Get In Touch With Us:
📞 1300 253 041
📩 [email protected]
🌐 brocfinance.com.au

26/10/2026

How Do You Pay Yourself As A Business Owner? Super Rules Explained (2026)

How do you pay yourself as a small business owner in Australia, and do you have to pay your own super? Sole traders take drawings, and contributing to their own super is optional (but smart for retirement and possibly tax). If you pay yourself a wage through a company, 12% Super Guarantee applies, and since Payday Super began on 1 July 2026, it’s due with every pay run instead of quarterly. That’s a real squeeze on cash flow. Broc Finance’s lending specialists can help with a business line of credit or cash flow finance so every payday stays covered.

Get In Touch With Us:
📞 1300 253 041
📩 [email protected]
🌐 brocfinance.com.au

Address

Haymarket, NSW
2155

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm

Website

https://www.brocfinance.com.au/

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