Seeder Finance

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Seeder Finance Welcome to Seeder Finance. A finance and mortgage broking company that helps business owners grow.

• Disclaimer Statement: Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.
• Licensing Statement: Credit Representative 542286 is authorised under Australian Credit Licence 389328.

Buying equipment shouldn't mean draining your working capital.That's the core idea behind asset finance, and it's worth ...
15/10/2026

Buying equipment shouldn't mean draining your working capital.

That's the core idea behind asset finance, and it's worth understanding properly before your next significant purchase.

When you finance a vehicle, a piece of machinery, or specialist equipment, you preserve the cash in your business for the things that need it day to day. On top of that, the structure can often be aligned with your tax position, which means your accountant and your finance broker should probably be talking before you commit to anything.

The right setup considers repayment timing, end-of-year strategy, and how the asset sits within your broader business structure.

We work through this regularly with business owners across a range of industries. It's rarely one-size-fits-all.

If you're planning an equipment or vehicle purchase and want to structure it properly, send us a DM and we'll work through it together.

Two kids. Same birthday. Completely different career paths.Happy birthday to Travis and his twin Matt.If you know Travis...
13/10/2026

Two kids. Same birthday. Completely different career paths.

Happy birthday to Travis and his twin Matt.

If you know Travis, you know he talks at 100 miles an hour and probably spent the morning answering finance questions before breakfast.

Here's hoping today involves slightly less spreadsheets and slightly more cake.

From the whole Seeder Finance team, happy birthday to you both.

13/10/2026

The loyalty tax is alive and well, and it’s frustrating watching clients pay for it. Today, a client had already asked their bank twice for a better rate, once themselves at the branch, and once through me. Neither request got the result we were after.

Then the discharge request landed. Suddenly, the bank was willing to do something. Why does a client have to be out the door before their bank takes them seriously?

By that point, they (and their brokers!) have spent time and effort arranging a move, all while paying a rate the bank was apparently prepared to reduce. Looking after your clients while they’re with you would go a long way towards giving them a reason to stay.

A business loan decline doesn't always mean your business isn't credit-worthy.We hear that question constantly.Why was m...
13/10/2026

A business loan decline doesn't always mean your business isn't credit-worthy.

We hear that question constantly.

Why was my loan declined?

And the answer is rarely straightforward.

Sometimes it's a weak debt service coverage ratio. Sometimes it's inconsistent revenue across the assessment period. Sometimes it's the wrong lender for that specific industry or loan type. Often it's a combination.

One decline from one lender is not a definitive answer.

Different lenders have different risk appetites, different industry preferences, and different ways of reading the same set of numbers. What doesn't fit one lender's criteria can work perfectly well with another.

Before you walk away from a finance goal, it's worth understanding exactly why the application didn't land and whether anything can be addressed.

Send us a DM and we can talk through what happened.

Andrew's words landed well."Trav was a huge help getting me a loan. Really grateful for the explanations and the breakdo...
11/10/2026

Andrew's words landed well.

"Trav was a huge help getting me a loan. Really grateful for the explanations and the breakdown of costs the lenders have and made the process really easy."

Honestly, that's what we're here for.

Finance decisions can feel like a lot when you're in the middle of one. The goal is always to make sure you understand what you're looking at, what it costs, and why a lender is assessing things the way they are.

When that clicks for someone, the whole process feels different.

Thanks Andrew, genuinely appreciate you taking the time to share that.

If you're working through a finance decision and want someone who'll actually explain the process clearly, send us a DM and we'll get the conversation started.

08/10/2026

Your payment history could be closing finance doors before you even knock.

A lot of borrowers assume they're fine because the account gets caught up by month end.

That assumption is worth watching in this video.

There's a specific pattern lenders flag on credit reports that catches borrowers off guard.

Once it shows up, it affects your options in ways that take real time to fix.

Watch the video to see exactly how it works.

If you'd like to review your credit position before your next finance application, send us a DM or say G'day and we'll talk it through.

In August, we were proud to sponsor the Real Estate Institute of the ACT Awards for Excellence and celebrate the people ...
06/10/2026

In August, we were proud to sponsor the Real Estate Institute of the ACT Awards for Excellence and celebrate the people doing great work across the real estate industry.

One of the highlights was presenting Kaylee Wang from Ruiz Property with the Business Development Manager of the Year award.

Congratulations again, Kaylee. A well-deserved recognition.

Who else enjoyed a great night at the awards?

Some of you may have heard me mention Kirsty, but I wanted to introduce her properly.She’s my wife, our bookkeeper, and ...
04/10/2026

Some of you may have heard me mention Kirsty, but I wanted to introduce her properly.

She’s my wife, our bookkeeper, and the person who takes care of all the details I never seem to get to.

Her work may not always be visible, but it keeps the business organised and makes a real difference to how things run.

Outside of work, she drinks her coffee black, loves knitting and keeps a chocolate stash on top of the fridge that I’m apparently not supposed to know about.

I’m grateful to have her involved in the business, and even more grateful to have her by my side.

Say hi to Kirsty.

A little “late to the party” moment, but worth marking all the same.Seeder Finance turned another year older on 1 Septem...
01/10/2026

A little “late to the party” moment, but worth marking all the same.

Seeder Finance turned another year older on 1 September.

Since day one, the goal has stayed pretty simple.

Make finance easier to understand.

Give people straight answers.

Help business owners, homeowners, and investors make decisions that hold up beyond today.

There have been plenty of lender calls, plenty of paperwork, and more coffee than we’d care to count.

A big thank you to every client, referral partner, and local supporter who’s been part of it so far.

We’re proud of what we’ve built, and we’re looking forward to what’s ahead.

Here’s to another year of good conversations and helping people move forward.

Address

Somerville, VIC

Telephone

+61422608757

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