Debt Consolidation and Finance Brokers in Melbourne

Our office is at 1/3 Westside Avenue, Port Melbourne, which is about as central as a Melbourne business can be without paying CBD rent. It puts us ten minutes from the port, twenty from the eastern professional corridor, and a short run down the freeway to the south-east industrial belt. Most of the businesses we work with are within an hour of that door.

Melbourne's business base is broad enough that no two files look the same. The inner north and inner west are full of small creative firms, agencies, hospitality operators and trades. The eastern suburbs carry professional practices, medical and allied health, and family businesses that have been running for two generations. The south-east and the west carry manufacturing, food processing, freight and the construction industry that services the growth corridors. What connects them is that the owner is usually the person doing the worrying.

Most of our Melbourne work sits in one of a few shapes. Naming them plainly helps people work out which one they are in.

• An ATO balance that started as one unpaid BAS and now includes GST, PAYG withholding, income tax and compounding general interest charge
• A payment plan agreed at a number the business could never actually meet, defaulting and being reset
• Four or five short-term unsecured facilities taking daily or weekly debits out of the trading account
• Credit cards and personal loans that were used to keep a business afloat, now sitting on the owner personally
• A director penalty notice or a garnishee notice, where the clock has already started
• Equity in a home or an investment property that the owner has not connected to the business problem

The last one is usually the way out. Turning a compounding, non-deductible tax balance into an ordinary secured loan does not make the debt disappear. It changes the shape of it, from something that grows daily into something with a term, a repayment and an end date.

Being a Melbourne client means you can sit across a table from the broker handling your file. Plenty do. Plenty of others never come in, because a video call with the accountant present and secure document upload gets to the same place with less of your day spent driving.

1. 01

   The first conversation

   Twenty minutes, no documents. What is owed, to whom, and what is pressing hardest. You will get an honest read at the end of it.

2. 02

   The document list

   One request, not five. Bank statements, BAS history, an ATO account print, financials, and identification.

3. 03

   The structure

   We explain what we are proposing and why, including what it costs and what it puts at risk, before anything goes to a lender.

4. 04

   Settlement and after

   We deal with the lender, the solicitors and the payout figures, then stay in the file afterwards.

We have written specific pages for the parts of Melbourne we are asked about most, from the inner bayside suburbs around our office through to the eastern professional corridor, the south-east industrial belt and the northern and western growth areas. If your suburb is not listed, ring anyway. The process is the same.

Between them, those pages cover the inner bayside suburbs, the eastern professional corridor, the south-east industrial and growth belt, and the northern and western corridors. Each one is written for the businesses that actually trade there rather than assembled from a template.