Business Purchase & Establishment Loans for Australian SMEs
Fast, short-term finance to buy or establish a business Fast approvals. Tailored solutions.
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Funding from $250k
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Short 3 – 36 month terms
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First or second mortgage options
Do you have a scenario you want to discuss now?
We’ll respond in 4 business hours.
What Is Business Purchase & Establishment Finance?
Business purchase and establishment finance is a short-term loan solution used to:
- Purchase an existing business
- Fund the establishment of a new business
- Cover upfront acquisition or setup costs
- Bridge funding gaps while transitioning to longer-term finance
These loans are commonly used when:
- Bank approvals are delayed or declined
- The business has limited or no trading history
- A fast settlement is required to secure the opportunity
Private Mortgages Australia provides flexible business purchase and establishment loans for Australian business owners and commercial finance brokers. Our loans are secured by property and assessed on exit strategy, not rigid bank criteria , making them ideal for time-sensitive opportunities or limited trading history.
Who Is This Loan For?
For Australian Business Owners
This solution may suit you if you are:
- Buying an existing business
- Establishing a new business venture
- Experiencing delays or restrictions with bank lending
- Seeking short-term finance to support a time-critical opportunity
For Commercial Finance Brokers
We work closely with Australian finance brokers to support:
- Business purchase transactions that fall outside bank policy
- Clients with limited trading history or complex structures
- Deals requiring fast decision-making and settlement
- SME clients needing flexible, non-bank lending solutions
Why Business Owners Choose Private Mortgages Australia
Fast settlements
Flexible terms
(3–36 months)
Up to 75% LVR
Up to $5 Million
Response time of
4
business hours
10+ years of private
lending expertise
How it works
Submit a scenario via the Quick-App form
Receive Indicative Offer
Formal Offer & Settlement (within 5 days)
We have a guaranteed response time of 4 business hours after receiving your Quick-App. Upon return of the fully executed documents the approval fee, legal costs and prepaid interest are deducted from the loan and the balance is paid to the borrower.
Brokers & Referrers: Earn Fees on Successful Deals
If you’re a broker or a referrer you can earn generous referrer fees when you introduce qualified borrowers.
Referrer fees paid within 24 hours of settlement - no clawbacks!
Your commission is guaranteed.
Transparent process and communication throughout.
If you have a client in need of finance, get in touch to find out how we can help and what you could earn by referring the scenario to us.
Case Study: Restaurant Purchase Finance Belgrave, Victoria
The Scenario
Experienced restaurateurs sought finance to purchase a restaurant business in Gembrook, approximately one hour from Melbourne, VIC. The borrowers also needed to refinance an existing loan but were unable to secure traditional bank finance due to out-of-date financials.
The Solution
Private Mortgages Australia provided a short-term business purchase loan, allowing the borrowers to complete the restaurant acquisition and refinance their existing debt.
The loan was structured as a first mortgage over the borrowers’ residential property in Belgrave, VIC, a picturesque town known for its nature, history, and wine regions. The property sits on 1,273m² of land and includes a single-level dwelling with three bedrooms, one bathroom, and a garage.
The Exit Strategy
The borrowers planned to:
- Prepare updated financials while operating the restaurant
- Refinance to a mainstream lender once financials were completed
This strategy enabled them to move forward with their business purchase without waiting for traditional finance approval.
Loan Summary
- Loan Purpose: Restaurant purchase & refinance of existing loan
- Location: Belgrave, VIC
- Security: First mortgage over residential property
- Property Valuation: $620,000
- Loan Amount: $250,000
- LVR: 40.32%
- Interest Rate: 7.50% p.a.
- Loan Term: 6 months, plus 3 monthly extensions
Do you have a scenario you want to discuss now?
We’ll respond in 4 business hours.
Client Success Stories & Testimonials
★ ★ ★ ★ ★
I have found the team at PMA to be personable and a pleasure to deal with, and more importantly they moved very quickly to get our funding approved in the necessary time. I would use them again, and have no problem in recommending them to my friends and colleagues....
Emily R - Property Developer, Melbourne
2018-09-06 00:46:25
★ ★ ★ ★ ★
PMA helped my client with finance for her business. The process was very easy and the staff, especially Peter, were great. They kept myself and client informed of what was happening and managed the process very well. Draw-down was quick compared with other lending institutions and I would highly recommend them to other brokers and customers....
Michael L - Mortgage Broker, Melbourne
2016-10-29 04:50:58
★ ★ ★ ★ ★
My experience with Brendan and Orlando is in the top order and their professionalism combined with their personal contact is a pleasure to be involved in and I won't hesitate doing business with them in the future. Thank you to everyone in Private Mortgages that has assisted in anyway....
Pat - Noosaville, QLD
2026-02-24 17:47:07
★ ★ ★ ★ ★
I have been investing with PMA for close to 3 years. Throughout that entire time, they have consistently exceeded their targeted returns. I would highly recommend investing with PMA....
David K - Bell Post Hill VIC
2018-04-18 04:09:54
Have more questions?
Book a call with one of our Relationship Managers and they can further explain the lending process and how the referral fee structure works.
Meet the team
Dushen Tissera
Dushen has a holistic understanding of the credit process from start to finish and is able to ensure that our loans are all in line with the customers and investors requirements.
Phone: 0477 509 779
Brendan Barry-Murphy
With a remarkable career spanning over 30 years at the Commonwealth Bank of Australia and experience as a mortgage broker, Brendan brings a wealth of knowledge and an insider’s perspective on what brokers and clients need most.
Phone: 0427 981 081
Our Relationship Managers will walk both brokers and borrowers through the entire process, from initial application to settlement.
