Shopfronts and offices
Retail and professional services business loans
Shops, florists, online stores, IT firms, real estate agencies, accounting practices, law firms and event hire businesses.
Retailers live and die by stock turn and foot traffic; professional firms live on recurring clients, work in progress and people. Lenders understand both, but they ask very different questions of each — from how quickly your stock sells to whether your fees are locked into trust accounts or rent rolls.
Pick your industry below for a straight explanation of what businesses like yours borrow for, the paperwork that helps and the traps that slow an application down.
Open the industry finder to compare industries, or start a 60-second enquiry — there's no credit check when you first enquire.
Industry guides in retail & services
Each guide covers typical borrowing needs, how lenders read the industry, documents, red flags and illustrative scenarios.
Retail shops
Retail shop loan guide: what independent retailers borrow for, how lenders read stock turn, sales and leases, and the red flags that slow approval.
Read the guide →Florists
Florist business loan guide: what florists borrow for, how lenders read peak-day trading, wastage and leases, and the red flags that slow approval.
Read the guide →E-commerce stores
E-commerce business loan guide: what online stores borrow for, how lenders read platform data and payouts, and the red flags that slow approval.
Read the guide →IT services and software
IT business loan guide: what IT services and software firms borrow for, how lenders read recurring revenue and contracts, and red flags to fix.
Read the guide →Real estate agencies
Real estate agency finance guide: what agencies borrow for, how lenders read rent rolls and commissions, and the red flags that slow approval.
Read the guide →Accounting and bookkeeping practices
Accounting practice finance guide: what accounting and bookkeeping firms borrow for, how lenders read fees and WIP, and the red flags to fix.
Read the guide →Law firms
Law firm finance guide: what legal practices borrow for, how lenders read WIP, billings and office accounts, and the red flags that slow approval.
Read the guide →Event hire companies
Event hire business loan guide: what hire companies borrow for, how lenders read bookings, deposits and assets, and the red flags that slow approval.
Read the guide →Run a retail & services business? See what's possible
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