Business funding

Get the capital you need to grow your business

Liston Newton Advisory is rated 4.9 from 33 reviews

Our approach to business funding

Effective business funding advice is all about planning for your future capital and cashflow needs. We can help you plan and find the best funding options for your business.

Forecasting cashflow and capital needs
Relationships with banks
In-depth knowledge of funding options
Realistic growth advice

Free financial strategy session

Get a free 90-minute consultation. Our team will even come to you. See how it works.

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We can help you find the best business funding options and opportunities. Talk to the experts.
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Expert business funding advice to grow your business

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A wealth of experience

With over 40 years of experience, we have helped countless clients manage their cashflow and capital needs with appropriate funding options.

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Capable and qualified

Our team can help you proactively plan for your future funding needs with detailed forecasting, finding the right lending options, and preparing documents.

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Connections with lenders

We have long-standing relationships with the big four banks as well as in depth knowledge of new fintech opportunities, such as peer-to-peer lending.

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Long-term client partnerships

Our goals is always to form long-term partnerships with all our clients. Having an in-depth understanding of your business means we'll be able to give you the best advice.

Our business funding team

With the rise of fintechs and peer-to-peer lending, there are more business funding opportunities on the market than ever before. That means more opportunities for you to fund your business growth.

Our team can help you plan for your business funding needs and find the best funding options. We'll make sure you have the right funding at the right time to achieve your business goals.

Our team can even travel to your premises to consult with you face-to-face. It's all part of our commitment to our clients.

John Liston, Director | Adviser

Meet the business funding team

We have worked with Liston Newton's Business Accountants and Advisory Team for over a decade. During that time, our business has grown substantially both organically and through purchases. This wouldn’t have been possible without Liston Newton Advisory to assist with our business planning, providing proactive advice and ensuring our accounts were always compliant in a complex and volatile industry.
Karsten Horne
CEO, Reho Travel
Liston Newton's Business Accountants analysed our financial and business situation and helped us implement strategies to improve our position. Their strategies turned our business from making a loss, to recording a 6-month net profit of 36 per cent. And we are now on track to show a 240 per cent increase in turnover over the next financial year.
Lisa Clarke
SL Constructions
Liston Newton helped us move our accounting over to Xero. A Business Accountant managed the set up and training so we felt comfortable with the software. We now have all our processes streamlined which gives us improved visibility of our business performance. This has allowed us to open 2 more stores without a significant increase in administration effort.
Peter Luskan
Pandora

Our method for business success

Planning for sustainable growth requires an in-depth understanding of your business goals. We take a holistic approach to business funding and all our services so we can get you the best results. 

Our unique approach to financial services is called Get Set, Get Moving, Get Free. We plan everything around achieving your long-term goals and moving you towards financial freedom.

Get your business moving
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Qualified and experienced

Our team is made up of experts and specialists. We can help you do it all.

Our case studies

Fund sustainable growth for your business

There are plenty of funding options available, the trick is using the right one at the right time.

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Frequently asked questions

How do I borrow to grow my business?

Growing your business will inevitably put a strain on your cashflow. To grow you will likely have to invest in marketing, invest in more staff, and invest in resources to enable growth.

That’s why understanding and accurately forecasting your growth rates and cashflow is crucial. It should give you a clear picture of what lays ahead and when it’s safe to invest for growth.

How much can I borrow?

How much you can borrow depends on a number of factors, including:

  • Your revenue.
  • How long you have been in business.
  • If you have property you can put up as security.
  • If the loan is secured or unsecured by an asset or a guarantee from directors of the company.

Typically, an unsecured business loan will be $25,000 to $250,000. A secured loan can be anywhere from $250,000 plus.

What interest rates can I expect?

This will depend on whether the loan is secured by an asset or is unsecured.

  • An unsecured loan is typically between 10% and 15%
  • A secured loan is typically between 5% and 10%

The interest rate is at the discretion of the lender; they will adjust the rate depending on how risky they assess the loan to be. If you have not been in business long and your cashflow is not straight forward, expect the interest rate to be higher.

Who can I borrow from?

Traditionally, your only option was to ask your bank for a loan or an overdraft. The rise of FinTech businesses in recent years has massively expanded your small business loan options.

Thanks to online accounting, tech-savvy lenders can now connect to your online accounting profile, understand your business and fund a loan for you in 24 hours.

For larger loans of $250,000 or more, then banks tend to have the best rates. For smaller loans that you need quickly, its best to look at the newer lenders such as Banjo, Prospa, and Moula.

How long does it take?

This will depend largely on who you are borrowing from. You can expect a bank loan to take anywhere from two to six weeks. Fintech lenders can typically get a loan funded in one to seven days.

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