Probiz Finance

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Probiz Finance Struggling with cash flow or need funds to grow? Probiz Finance helps Aussie businesses with fast business loans, unsecured loans, asset finance, and more.

We make equipment finance & start-up funding easy, helping you grow without the financial stress! I was always passionate about helping people reach their financial goals. After years of working at Australia's two major banks, I knew it was time to pursue my dream of becoming a commercial finance broker. My name is Pooja Choudhary and I'm proud to say that I'm the head of Probiz Finance, a Melbourne based finance company. Growing up in this city has given me an intimate understanding of how businesses do and what they need to succeed in the toughest markets. I believe that if you want to make sure your clients get the best deal possible, you need to talk about their business in detail and really understand who they are as a company, what their needs are, as well as any market trends or future obstacles that may arise. To ensure success, we take our time to go over all aspects of your project before recommending a solution tailored specifically for you.

How long is left on your business lease? 🏢If the right commercial property came up for sale next month, would you buy no...
28/10/2026

How long is left on your business lease? 🏢

If the right commercial property came up for sale next month, would you buy now or wait until your lease ends?

I’m curious to know how other business owners would approach this.

👇 What would you do?

A) Explore buying now
😎 Wait until the lease ends
C) Consider my options first

No wrong answers — share your thoughts in the comments!


Paying rent, or paying off your own premises?If you've found a property you like before your lease ends, it's worth aski...
28/10/2026

Paying rent, or paying off your own premises?

If you've found a property you like before your lease ends, it's worth asking a few plain questions before deciding whether to buy now or wait:

• Would the business need to pay rent and loan repayments at the same time, and for how long?
• Does the property already have a tenant? If so, when could you actually move in?
• How much cash would the deposit and purchase costs take out of the business?
• Is this the right property for where the business is heading, or just the one available now?

There's no single right answer. It depends on the property, your lease and your cash flow.

To compare the ongoing cost of renting with the ongoing cost of owning, try our buy vs rent commercial property calculator: https://www.probizfinance.com.au/buy-vs-rent-commercial-property-calculator/?utm_source=facebook&utm_medium=organic-social&utm_campaign=pbz-cpa-w4&utm_content=s7-probiz-fb-calc
Results are indicative estimates only. Actual repayments, rates and lending terms depend on the lender, product and your individual circumstances.

For the timing, costs and how lenders tend to look at it, read our guide: https://www.probizfinance.com.au/commercial-property-finance-buy-property-while-paying-rent/?utm_source=facebook&utm_medium=organic-social&utm_campaign=pbz-cpa-w4&utm_content=s7-probiz-fb

Book a free, no-obligation commercial property finance review with Pooja.

Buying business premises? Start with the business, not the building.Can your cash flow support both rent and repayments?...
27/10/2026

Buying business premises? Start with the business, not the building.

Can your cash flow support both rent and repayments? Does the property fit your next five years?

Think business first. Property second.

Read our commercial property finance guide on buying property while you're still paying rent: probizfinance.com.au/commercial-property-finance-buy-property-while-paying-rent/

General information only — not financial advice. All finance is subject to lender assessment and approval.

Four cash questions to answer before you make an offer on a business:1. Is the price "+ SAV" or "WIWO"? "+ SAV" means st...
21/10/2026

Four cash questions to answer before you make an offer on a business:

1. Is the price "+ SAV" or "WIWO"? "+ SAV" means stock is paid for on top of the price, after a stocktake. "WIWO" means it's included.

2. What will the first month of wages, super, rent and supplier bills cost, and when will customer payments start coming in?

3. Are there vehicles or equipment in the sale that could be financed separately, subject to assessment?

4. Once everything is paid at settlement, how much will you have left in reserve?

Our new guide walks through the full cash picture, with a worksheet to map each cost:
https://www.probizfinance.com.au/business-acquisition-cash-needed-to-buy-a-business/?utm_source=facebook&utm_medium=organic-social&utm_campaign=PBZ-ACQ-004&utm_content=slot07

Have a question about your situation? Leave it in the comments or get in touch.
https://calendly.com/pooja-probizfinance/30min?utm_source=facebook&utm_medium=organic-social&utm_campaign=PBZ-ACQ-004&utm_content=slot07

General information only — not financial, tax or legal advice. All finance is subject to lender assessment and approval.

Quick one for business owners heading into the busy season 👇 For a lot of businesses, the busiest month and the tightest...
14/10/2026

Quick one for business owners heading into the busy season 👇

For a lot of businesses, the busiest month and the tightest month for cash aren't the same. Stock gets paid for early, extra shifts and super go out every payday, and some customers don't pay until the new year.

Which month is the squeeze for you? Vote below and tell us what drives it: stock, wages, slow payers or something else.

If you're planning ahead, our guide walks through the pre-Christmas cash cycle: https://www.probizfinance.com.au/working-capital-busy-season/

Have a question about your situation? Leave it in the comments or get in touch.
https://calendly.com/pooja-probizfinance/30min

General information only — not financial advice. All finance is subject to lender assessment and approval.

07/10/2026

Overdraft limit reduced at review? It can happen at a scheduled review.

Lenders reassess facilities against their current policy and the business's latest numbers. A reduced limit doesn't necessarily mean the business has done anything wrong — but it does mean it's worth checking whether the facility still suits how money moves through the business today.

A few things worth looking at:
• When the facility is next reviewed
• Whether your cash-flow timing has changed (for example, super is now paid with each payday under Payday Super)
• Whether a different structure, such as a line of credit or a term loan alongside a smaller overdraft, may fit better

Have a question about your situation? Leave it in the comments or get in touch. https://www.probizfinance.com.au/refinance-business-loan-rising-interest-rates/?utm_source=facebook&utm_medium=organic-social&utm_campaign=pbz-refi-001&utm_content=s6-probiz-fb

https://calendly.com/pooja-probizfinance/30min?month=2026-10/?utm_source=facebook&utm_medium=organic-social&utm_campaign=pbz-refi-001&utm_content=s6-probiz-fb

General information only — not financial advice. All finance is subject to lender assessment and approval.

Still have years left on your business lease — but you've found the commercial property you'd love to own?This is a situ...
02/10/2026

Still have years left on your business lease — but you've found the commercial property you'd love to own?

This is a situation many established business owners may find themselves considering.

You might have a strong business, a few years remaining on your current lease and an SMSF with a meaningful balance.

Then a suitable commercial property comes onto the market nearby.

What if the property is already occupied by another business?

Could your SMSF potentially purchase it now while you continue operating from your current leased premises?

Our latest Probiz Finance article explores exactly this scenario.

It explains:

🔹 How an SMSF commercial property purchase can be structured
🔹 The significance of the 10 August 2026 LRBA changes
🔹 What "business real property" means
🔹 Why an existing business tenant can be relevant
🔹 What an SMSF can and can't do with its money
🔹 What to consider before signing a contract
🔹 What lenders may want to understand about the fund
🔹 How your current lease can affect the timing

One of the most important points is that the SMSF is the buyer. It isn't simply a way to use superannuation as a deposit for a property you purchase personally.

If you're considering this type of strategy, your SMSF accountant and licensed financial adviser need to be involved, alongside the finance process.

📖 For the complete architecture and full detail, read our blog:

https://www.probizfinance.com.au/buying-a-second-commercial-property-through-your-smsf-while-youre-still-mid-lease/

Thinking about a commercial property while you're still mid-lease?

Contact Pooja Choudhary at Probiz Finance

📞 0415 929 728

General information only. Not financial, tax, legal or superannuation advice. Your circumstances and fund structure need to be considered before making any decision. All finance is subject to lender assessment and approval.

MYTH: "I can use my SMSF to help pay the deposit on a commercial property I buy personally."❌ That's not how the structu...
01/10/2026

MYTH: "I can use my SMSF to help pay the deposit on a commercial property I buy personally."

❌ That's not how the structure works.

If an SMSF is purchasing property through an LRBA, the SMSF is the buyer and borrower.

The fund's money can't simply be transferred to you to help fund a property purchase in your personal or business name.

And since 10 August 2026, there is another important consideration:

New LRBAs involving real property must involve business real property at the time the LRBA is entered into.

So if you're a business owner who is:

✔️ Still locked into a commercial lease
✔️ Looking at buying a property nearby
✔️ Considering an SMSF property strategy
✔️ Thinking about eventually moving your business into the property
..there are several things you need to understand before making an offer.

The property itself matters.

The existing tenancy matters.

The SMSF's investment strategy matters.

And the finance structure matters.

Our latest article takes you through a real-world-style scenario and explains how the pieces fit together.

👉 For the complete architecture and full detail, read our blog:

https://www.probizfinance.com.au/buying-a-second-commercial-property-through-your-smsf-while-youre-still-mid-lease/

Pooja Choudhary
Probiz Finance
📞 0415 929 728

General information only. Not financial, tax, legal or superannuation advice. Speak with your licensed financial adviser and SMSF accountant before making decisions about your fund. All finance is subject to lender assessment and approval.

Guess who just swapped the big bank for Probiz? 👀🏦➡️💼Everyone, say hello to Rahul Wadhwa, the newest member of the Probi...
30/09/2026

Guess who just swapped the big bank for Probiz? 👀🏦➡️💼

Everyone, say hello to Rahul Wadhwa, the newest member of the Probiz Finance family! 🎉

After six years across ANZ, Westpac, CBA and Toyota Finance, Rahul brings valuable experience across banking, lending and settlements.

Now he’s here to help Melbourne business owners and families navigate their finance journey with confidence.

💼 Business & cash flow loans
🚜 Asset & equipment finance
🏢 Commercial property finance
🏡 Home loans for self-employed

We’re so excited to have you with us, Rahul! 🙌

Drop a 👋 in the comments and help us make him feel at home!

rahul.w.probizfinance
Pooja Choudhary
Puneet Singh
Vishakha.j.probizfinance

Address

5 Abbey Court
Melbourne, VIC
3134

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm

Telephone

+61415929728

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