Finance question
How much can I borrow across all my facilities?
It depends on your total exposure, not a single loan. We look at everything you already have on finance, the assets and income supporting it, and the new deal on top. Equipment facilities run up to $500,000 secured by each asset, and property-backed facilities reach the $5 to 6 million range, so your overall capacity is sized to what your assets and cashflow can carry.
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The short answer
Capacity is the whole picture, not one loan
Borrowing capacity is not decided loan by loan in isolation. Lenders look at your total exposure, which is the sum of what you already owe across your facilities plus the new deal you want. What matters is whether the assets and the income behind them can comfortably carry the lot.
The security shapes how far it stretches. Equipment finance is secured asset by asset, up to $500,000 on a facility, so a fleet or a set of machines can each support their own funding. Property-backed finance is secured by real estate and reaches the $5 to 6 million range, so it tends to anchor larger overall positions.
This is where a broker earns its keep. Running across 40+ lenders, we can structure the total so the pieces fit together, spreading exposure across the right facilities rather than stacking too much with one lender. The aim is capacity that holds up, not just a bigger number.
What sets your total
The inputs behind overall capacity.
Existing facilities
What you already owe across current finance.
Assets in play
Equipment and property that can secure funding.
Income and cashflow
What your business can service comfortably.
Lender appetite
How much exposure each lender is willing to hold.
Why structure beats a single big loan
Spread the exposure
Placing facilities across the right lenders can lift total capacity.
Security does the work
Each asset and property carries its own funding, so the total can grow safely.
Serviceability is the ceiling
Capacity holds up when the cashflow can carry the whole position.
A real example
An operator already finances two trucks and wants a third plus a fit-out. Rather than stacking it all with one lender, we spread the new facilities so total exposure stays serviceable, keeping each asset secured on its own deal. The overall capacity is sized to the fleet and the income. Illustrative only.
Common questions
Frequently asked questions
Is there one number I can borrow in total?
Not a fixed one. Your total is sized to your existing exposure, the assets securing it, and what your cashflow can carry.
Can I have several facilities at once?
Yes. Many businesses run multiple facilities. Spreading them across the right lenders can lift your overall capacity.
Does property lift my total capacity?
It can. Property-backed finance reaches the $5 to 6 million range and often anchors a larger overall position.
What limits how much I can carry?
Serviceability. Capacity holds up only when the income and assets can comfortably support the whole position.