Finance question
Can I get finance to open a second location?
Often yes. A second site has a clear cost stack: the fit-out and equipment, which asset finance covers up to $500,000, and the lease bond, wages and opening stock, which property equity funds at single-digit rates. Your first location's track record strengthens the case.
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The short answer
Roll out the second site, funded in two parts
Opening a second cafe, clinic, gym, showroom or warehouse is a known project with known costs. There is a space to fit out, an equipment list to buy, a lease bond to lodge, and a ramp-up where wages and stock run ahead of sales. Ventas is a broker, so we fund those pieces with the finance that suits each, rather than one loan for the lot.
The fit-out and gear are asset finance. Shopfitting, kitchen or clinic equipment, racking, signage and vehicles for the new site can be financed up to $500,000, often low-doc or no-doc, approved in 24 to 48 hours and secured by the assets. Your cash stays free for the costs a lender cannot fund directly.
The bond, wages and opening stock lean on property equity. A facility at single-digit rates, with no financials on many deals, carries the new site until it trades on its own feet. A profitable first location is real evidence here: it shows the model works, which helps place the deal with the right lender.
Do you qualify?
What makes a second site fundable.
A fit-out and gear list
Shopfit and equipment for the new site financed to $500,000.
A proven first location
A trading site that shows the model works.
Equity for the ramp-up
Property equity covers bond, wages and opening stock.
A firm open date
Fast approvals so the fit-out starts on schedule.
Why a second site is well placed to fund
The model is proven
A profitable first location is evidence the second can work too.
Fit-out on the asset
Shopfit and gear secure themselves, keeping your cash free.
Equity for the gap
Bond, wages and stock draw on property at single-digit rates.
A real example
A cafe owner with one busy site opens a second. The $160,000 shopfit and kitchen go on asset finance, secured by the gear and approved in two days, while home equity at a single-digit rate covers the bond and three months of wages until the new store builds a following. Illustrative only, subject to lender assessment.
Common questions
Frequently asked questions
Does my first location help the application?
Yes. A profitable existing site is strong evidence the model works, which helps place the deal.
Can the new fit-out be the security?
Yes, the shopfit and equipment secure the asset finance, up to $500,000, often low-doc or no-doc.
How do I cover the bond and opening wages?
Those soft costs are usually funded by a property-backed facility at single-digit rates until the site trades.
How fast can the fit-out be funded?
Asset finance is often approved in 24 to 48 hours, so the build starts on schedule.