Finance for Established Businesses
Flexible finance for established businesses — whether you're investing in new equipment, a refurbishment, or your next stage of growth.
24+ months
Trading history
Proven revenue
Stable trading
Flexible purpose
Assets + soft costs
24–48 hrs
Typical assessment
Finance that matches your track record
You've been in business for a while now. You've got steady revenue, a solid customer base, and a clear idea of what you need to invest in next — whether that's new equipment, a fit-out, a refurbishment, or something else entirely.
This finance is built for established businesses with 24+ months of trading. We look at your actual performance and financial position, then structure a finance package that fits — with the flexibility to handle both tangible assets and softer costs.
What can you finance?
We support a wide range of funding purposes — from core assets to business improvements and mixed-purpose needs.
Vehicles & heavy equipment
Trucks, vans, manufacturing gear, trade equipment, plant machinery — the assets that keep your business running.
Tools, IT & light equipment
Computers, POS systems, trade tools, fitness equipment — smaller items you need to stay competitive.
Fit-outs & refurbishments
Refresh your premises, upgrade your shopfront, or refit your workspace — we can include soft costs alongside asset finance.
Mixed-purpose finance
Need to fund a combination of assets, improvements, and fees? We handle deals that don't fit neatly into one box.
What strengthens your application
Established businesses usually have the fundamentals in place — here's what helps us move fast, and what can slow things down.
Stable, consistent revenue
Declining or irregular revenue
The finance includes tangible, recoverable assets
Primarily intangible or non-recoverable costs
Current revenue comfortably supports the repayments
Servicing looks tight or unrealistic
Clean credit history and banking conduct
Defaults, dishonours, or poor credit history
Limited or manageable existing debt
Heavily geared with significant existing lending
You own property (helpful for larger amounts)
No property or security of limited value
Every business is different — these are indicators, not hard rules. Talk to us about your situation.
Getting ready to apply
Gather your details
Pull together quotes or invoices for what you need to fund. If you have up-to-date financial statements, have those handy too — especially for larger amounts. Check that key obligations like tax and rent are up to date.
Apply online
Submit your application through our online form. We'll need your business bank statements to get started. For larger or mixed-purpose deals, we may also ask for financial statements.
Get your answer
We review your application and come back to you — usually within 24–48 hours. If we need anything else, we'll let you know. Once approved, we walk you through the next steps.
What you'll need
At least 24 months of genuine business trading history
Quotes or invoices for the assets or costs you want to fund
Your recent business bank statements
Financial statements for larger amounts (profit & loss, balance sheet)
Property details if you own a home (value and mortgage)
Details of any existing business debt or obligations
Don't have all of this yet? That's OK — talk to us and we'll help you work out what you need.
Why choose CFI for your established business?
We handle mixed-purpose deals
Need to fund a combination of equipment, fit-out, and fees? We're comfortable with deals that don't fit neatly into one category — and we structure the finance to match.
Common-sense approach
We look at the full picture — your revenue, your track record, your financial position — and apply common sense, not a rigid checklist. If the deal makes sense, we'll find a way.
You deal with the decision-makers
We fund the deal ourselves — no waiting on a third party. You talk directly to the people making the decision, and you get your answer faster.
Common questions
How long do I need to have been trading?
This finance is designed for businesses with at least 24 months of genuine trading history. We'll look at your bank statements and revenue to confirm this. If you're earlier in your journey, our Growth Stage or Start a Business finance may be a better fit.
What can I finance?
A wide range — vehicles, equipment, machinery, tools, IT, fit-outs, refurbishments, and even franchise fees. This finance is flexible enough to handle mixed-purpose deals that include both tangible assets and softer costs.
Do I need financial statements?
For smaller, asset-backed deals we can often work from your bank statements alone. For larger amounts or where there's a higher proportion of soft costs, we may ask for your profit and loss statement and balance sheet.
What about existing debt or tax obligations?
We take a common-sense view. Having existing debt doesn't rule you out — what matters is whether it's manageable and your overall position is healthy. If you have outstanding tax or other obligations, it's best to be upfront about it.
Do I need to own property?
Property ownership strengthens your application, especially for larger amounts or deals with a higher proportion of soft costs. But it's not always required — for smaller, asset-backed deals we can often work without it.
How quickly can I get a decision?
Most applications are assessed within 24–48 hours. Established businesses with clean banking and straightforward requirements tend to move through quickly.
More questions? See our full FAQ or get in touch.
Ready to invest in your next stage of growth?
Talk to a CFI Finance Specialist about funding the equipment, fit-out, or improvements your business needs.