Your accountant already knows your revenue, margins, and cash flow. We use that to get you faster approvals, better terms, and a loan structured for where your business is heading.
What is accounting-integrated business finance? National Accounts Lending provides commercial and business finance for Australian SMEs including working capital, expansion funding, acquisition finance, and commercial property loans. As chartered accountants, we package applications using normalised earnings and add-backs from financials we prepare, delivering faster approvals and tax-aligned structuring traditional brokers cannot match.
Most brokers treat business lending like a bigger version of a home loan. They do not understand entity structures, add-backs, or how to present your financials so lenders see strength instead of complexity.
Brokers receive your P&L and balance sheet but cannot interpret add-backs, related party transactions, or normalised earnings. The lender sees risk where there is none.
Acquisition opportunities, fit-out deadlines, and supplier terms do not wait. A 4-week approval cycle means missed opportunities and lost leverage.
Your broker structures the loan one way, your accountant advises another. You end up with a facility that costs more in tax than it saves in interest.
We do not hand a broker your financials and hope they understand them. We wrote them. That means better packaging, faster approvals, and lending that fits your business plan.
Your accountant prepared your P&L, balance sheet, and tax return. We know which numbers are recurring, which are one-off, and what the add-backs really mean.
We identify and document add-backs like owner’s salary above market rate, depreciation, one-off costs, and related party transactions, so lenders assess your true earning capacity.
Which entity borrows, how interest is allocated, whether security is personal or commercial. Every decision is made with your tax position in mind.
Your accountant and your broker are the same team. No conflicting advice, no information gaps, no weeks of back-and-forth between two separate firms.
From startup cash flow to acquisition funding, we structure the right facility for where your business is and where it is heading.
Overdrafts, lines of credit, and invoice finance to smooth cash flow and fund day-to-day operations.
Fit-outs, new locations, staffing, and inventory. Term loans structured around your growth timeline and revenue projections.
Offices, warehouses, retail. Purchase or refinance commercial premises with rates and terms suited to your business use.
Buying a business or a book of clients. We assess the target, structure the funding, and advise on the purchase entity.
Your accountant already did the hard part. We streamline the lending process so you can focus on running your business.
15 minutes. We assess the opportunity, your capacity, and the right facility type.
We prepare a lending-ready summary from your existing financials, including add-backs and normalised earnings.
2 to 3 options matched to your entity, tax position, and business goals. Clear comparison, no jargon.
We manage the process through settlement and review the facility annually as your business evolves.
Answers for business owners and SME operators.
We provide working capital facilities, business expansion finance, commercial property loans, business acquisition funding, and line of credit facilities. With access to 70+ lenders including major banks, non-bank lenders, and specialist commercial financiers, we match the right product to your business structure and goals.
Yes. We work with all entity types including companies, trading trusts, unit trusts, and partnerships. Because we are your accountant, we already understand your structure and can present your application in a way that aligns with how lenders assess each entity type.
Borrowing capacity depends on your business revenue, profitability, existing debt, asset position, and the purpose of the loan. Because we hold your financials, we can give you an indicative borrowing range in your first conversation rather than after weeks of document gathering.
It depends on the loan type and amount. Secured commercial loans using property as collateral typically attract lower rates and higher limits. Unsecured business loans are available for smaller amounts but carry higher interest rates. We advise on whether offering security makes financial sense given your overall position.
For existing National Accounts clients, we can provide an indicative approval within 48 to 72 hours because we already hold your financials. Formal approval timelines vary by lender but typically range from 5 to 15 business days depending on the complexity and loan amount.
Yes. We structure acquisition finance including purchase price funding, working capital for the transition period, and vendor finance arrangements. Because we are accountants, we can also review the target business financials, assess the purchase price, and advise on the optimal acquisition structure before the lending process begins.
A business loan provides a lump sum repaid over a fixed term with regular repayments. A line of credit gives you access to a pre-approved limit that you draw on as needed and only pay interest on the amount drawn. Lines of credit suit businesses with variable cash flow needs, while term loans are better for defined purchases or investments.
Yes. Accountant-prepared financials with clear add-backs, normalised earnings, and well-documented entity structures give lenders confidence and reduce perceived risk. This typically translates to better rates, higher limits, and faster approvals compared to self-prepared or broker-gathered documentation.
National Accounts Lending is the finance broking division of National Accounts, a chartered accounting firm (CA ANZ) based at Level 2, 70 Hindmarsh Square, Adelaide SA 5000. We hold an Australian Credit Licence and are Xero Platinum Champion Partners.
The lending division is led by Michael Wilczynski CA, a chartered accountant and certified property valuer. Our team combines accounting, tax, and lending expertise to deliver structuring advice that traditional brokers cannot provide.
We service clients across Australia from our Adelaide office, with all consultations available online or by phone. Our lender panel includes 70+ lenders with no geographic restrictions.
