Probiz Finance

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 Melbour

ne 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.

Buying a business with its own premisesCan you buy a business and its commercial property at the same time?Potentially, ...
31/08/2026

Buying a business with its own premises

Can you buy a business and its commercial property at the same time?

Potentially, yes — but it’s worth treating it as two questions, not one.

Here’s the scenario we see constantly: someone finds a business they want to buy, and it turns out the owner is also willing to sell the building it operates from. The instinct is to bundle it all into a single “how much can I borrow?” conversation.

In practice, that usually isn’t the most useful way to approach it.

Why separate them?

The business and the property are different assets. Lenders assess them differently — the business on its trading history, cash flow and goodwill; the property on its type, location, valuation and marketability.

Depending on your situation, they can end up being funded through different structures entirely, sometimes with different lenders, different terms, and different timing.

What’s actually happening in the market right now?

Commercial property remains a substantial part of Australia’s business lending landscape. New business loan commitments for property purchases hit $27.2B in the June 2026 quarter alone — up 18.9% year-on-year (ABS Lending Indicators).

That tells you property finance is active and available, but it doesn’t tell you what you’ll be offered. Your numbers, the specific property, and how the whole transaction is structured are what actually shape the outcome.

So what should you do first?

Work out what you’re actually buying — the business, the property, or both — and get a clear read on how each piece could be funded before you commit to a purchase structure.

That’s the difference between a smooth settlement and a scramble two weeks before you’re due to sign.

Read the full breakdown, including a worked example of how the numbers can stack up 👇

🔗 https://www.probizfinance.com.au/commercial-property-loan-business-acquisition/

Got a business + property purchase on your radar? Drop a comment or send us a message — happy to talk it through.

📞 0415 929 728
🌐 probizfinance.com.au

21/08/2026

Need Business Finance Without the Mountain of Paperwork? 📂

If you’re a business owner in Melbourne or elsewhere in Australia, a traditional business loan application can sometimes feel overwhelming — especially when you’re asked for extensive financial documents.

That’s where Low Doc Business Loans may be worth exploring.

Low Doc finance can provide a more streamlined documentation process for eligible businesses. Depending on the lender and your circumstances, you may be asked for:

✔️ Recent business bank statements
✔️ ABN and basic business details
✔️ ATO information or other supporting documents

Low Doc doesn’t mean “no documents.” It simply means the documentation and assessment process may be more streamlined than a traditional business loan.

At Probiz Finance, we work with business owners to understand their circumstances and explore suitable business finance options across our lender network.

Whether you need funding for working capital, business expansion, equipment, a business purchase or another business purpose, there may be a finance solution that fits your situation.

📍 Melbourne-based | Helping Australian businesses

💬 Wondering if Low Doc Business Finance could be an option for your business? Send us a message and let’s start the conversation.

The RBA held at 4.35%.And while “rates unchanged” will be the headline, that’s not the part I’d focus on as a business o...
11/08/2026

The RBA held at 4.35%.

And while “rates unchanged” will be the headline, that’s not the part I’d focus on as a business owner.

The RBA is still watching inflation closely and has kept the door open to further rate increases if the risks worsen.

So, if your business has loans, working capital or commercial finance, here are five questions worth asking:

👉 Can my business comfortably service its current debt?

👉 Is my working capital facility still right for my cash flow?

👉 Am I using short-term debt for a long-term need?

👉 Is too much security tied up in my current structure?

👉 Could my business handle it if rates stayed where they are — or moved higher?

You don’t need to predict what the RBA will do next.

You need to make sure your business is prepared either way.

And sometimes the best finance decision isn’t refinancing or borrowing more.

It’s simply knowing that your current structure still makes sense.

📌 Save this for your next finance review.
↗️ Share it with a business owner who should be asking these questions.

🏨 Strong occupancy. Profitable business. Bank says no.It happens more often than you might think.We’ve helped accommodat...
30/07/2026

🏨 Strong occupancy. Profitable business. Bank says no.

It happens more often than you might think.

We’ve helped accommodation business owners secure finance after a bank said no—not because the business wasn’t good enough, but because the lender wasn’t the right fit.

Whether you’re buying a motel, hotel or boutique accommodation business, every lender looks at the deal differently.

Some lenders see seasonal income as a concern. Others understand that’s simply how the accommodation industry works.

The right lender may be able to:
✔️ Finance the purchase of an accommodation business
✔️ Fund refurbishments or FF&E upgrades
✔️ Recognise the value of an established business and its goodwill
✔️ Structure lending around seasonal cash flow

A decline from one bank doesn’t always mean your options have run out.

If you’ve been told “no”, or you’ve received loan terms that just don’t make sense, it could be worth getting a second opinion.

📩 Feel free to send me a message if you’d like to chat about your situation.
0415929728

General information only. This information does not take into account your objectives, financial situation or needs.
Pooja Choudhary

Looking for Business Loan?We’re here to help with tailored funding solutions for every stage of your business.✔ Business...
13/07/2026

Looking for Business Loan?

We’re here to help with tailored funding solutions for every stage of your business.

✔ Business Loans
✔ Business Acquisition Finance
✔ Commercial Property Loans
✔ Asset & Equipment Finance
✔ Working Capital Solutions
✔ SMSF Loans
✔ Healthcare Finance

Fast approvals. Access to 50+ lenders.

If you’d like to explore your options, feel free to get in touch with Pooja Choudhary.

📞 0415 929 728
🌐 probizfinance.com.au

Probiz Finance
Pooja Choudhary

From 1 July, employing staff costs more. Is your business prepared?The 4.75% increase to the National Minimum Wage, comb...
02/07/2026

From 1 July, employing staff costs more. Is your business prepared?

The 4.75% increase to the National Minimum Wage, combined with new super obligations, means many Australian businesses will see higher employment costs from the start of the new financial year.

If you employ staff, now is the perfect time to review your payroll expenses and cash flow.

As a Finance Broker at Probiz Finance, I work with business owners to find funding solutions that help manage cash flow and support business growth.

📩 Send me “WAGES” if you’d like to understand what these changes could mean for your business.

Pooja Choudhary
Finance Broker | Probiz Finance
📞 0415 929 728

⚠️ General information only. Not financial, tax or legal advice.

Important if you have an SMSF and were planning to buy property.Posting this for the group because a number of you have ...
24/06/2026

Important if you have an SMSF and were planning to buy property.

Posting this for the group because a number of you have asked me about SMSF property lending over the past few months.

Yesterday — 23 June 2026 — the Federal Parliament passed legislation banning SMSFs from using borrowing to purchase residential property.

Here is what is confirmed:

If you already own property inside your SMSF via an LRBA — you are fully protected. Nothing changes for you. Your arrangement, your tax treatment, your property — all grandfathered.

If you were mid-process — the key date is the contract date, not settlement. If you have already exchanged contracts, you are protected regardless of when you settle. If you have not yet exchanged contracts — call your SMSF adviser and solicitor today.

If you were planning to buy but had not started — the residential LRBA pathway closes from mid-August 2026 (approximately 45 days after Royal Assent).

One thing that is completely unchanged — commercial property LRBAs. If you were planning to buy your own business premises through your SMSF — that strategy is still open.

Important — and I want to be clear about this: I can explain the lending structure. I cannot tell you what to do with your superannuation. Anyone who gives you a confident answer on that without AFSL qualifications is taking a risk with your retirement savings.

Please get advice from a licensed SMSF adviser and accountant before making any decisions.

Happy to answer questions about how the lending side works in the comments. Anything that crosses into strategy — I will redirect you to the right people.

— Pooja, Probiz Finance

SMSF lending involves complex legal, tax and compliance requirements. Before acting, seek advice from a licensed SMSF adviser, accountant and solicitor. General information only. Credit Representative 542838, authorised under ACL 92740. MFAA Member.

19/06/2026

Held. But don't relax yet.
The RBA held the cash rate at 4.35% — first pause after three consecutive hikes this year.
If you're a Melbourne business owner, here's the straight read.
The hold removes immediate upward pressure. But Governor Bullock closed her statement with: "Today's decision does not rule out further tightening."
That means the next meeting in August is still live. Lender pricing hasn't eased. Serviceability buffers remain high.
What this means practically:

— Mid-application: keep moving, conditions are cleaner today

— Thinking of applying: this is your window before August

— Variable-rate facility: worth a broker review right now
Drop a comment or DM me directly — happy to give you a straight read on how this affects your sector.
General information only. Not financial advice. Credit subject to lender assessment. Probiz Finance — Credit Representative 542838, authorised under ACL 92740. MFAA Member.

Turning business dreams into reality. That’s what we do at Probiz Finance. 🙌✨So when the internet started buzzing over t...
22/05/2026

Turning business dreams into reality. That’s what we do at Probiz Finance. 🙌✨
So when the internet started buzzing over the ultimate moment, we couldn’t help but look at it through a business lens! 🍬💼
Behind the memes is a solid truth: Great ideas shouldn’t sit on the shelf just because of funding. Whether you are looking to build a global factory or simply upgrade the commercial equipment you need to scale, the right finance structure makes today possible.

Don’t wait for “someday.” Let’s protect your cash flow and fund your ambition.

📥 DM us “STRATEGY” or call 0415 929 728 to map out your next growth move.

CommercialLoans MelbourneBusiness AssetFinance SmallBusinessGrowth FinanceBroker BusinessLoan EntrepreneurMindset TrendingTopic

Would you stop investing because the weather changed? No — you’d dress differently. Finance works the same way.Uncertain...
18/05/2026

Would you stop investing because the weather changed? No — you’d dress differently. Finance works the same way.

Uncertainty doesn’t end investing. It ends lazy investing.

The business owners and investors who come out ahead aren’t the ones who went to cash and waited.

They’re the ones who asked better questions:

“Am I using the right lending structure for this asset?”
“Is my business loan holding back my borrowing capacity?”
“Could I be doing more inside my SMSF?”
“Am I across the full range of lenders — or just one?”

These are finance questions, not fortune-telling questions.
And they’re exactly what I help clients work through.

I’m a finance broker. I don’t tell you whether to invest.
I help you make sure your finance is structured to support the strategy you already have.

Worth a conversation?
📞 Pooja Choudhary | 0415 929 728 | Probiz Finance

Diversification MelbourneInvestors CommercialProperty SMSFLending

Probiz Finance

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

Website

Alerts

Be the first to know and let us send you an email when Probiz Finance posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Probiz Finance:

Shortcuts

Featured

Share

Category