Your trusted broker for buying a business.

Yes. Australian lenders offer business acquisition finance to help you purchase an existing business. The loan is typically secured against the business assets, commercial property, or your residential property. Lenders assess the business's trading history, profitability, and your experience in the industry. At FGO Finance Group, we specialise in structuring acquisition finance across our panel of over 20 lenders to find the right fit for your deal.

The deposit required varies depending on the type of business, its financial history, and the security you can offer. As a general guide, lenders typically look for somewhere between 20% and 50% of the purchase price, though this is indicative only and the actual requirement can be lower depending on your specific situation. Businesses with strong cash flows, proven track records, and tangible assets can often secure finance with less upfront than you might expect. We work with you to structure your finance in a way that minimises the cash required while keeping repayments manageable.

Major banks like ANZ, Commonwealth Bank, NAB, and Westpac all offer business lending, but they each have different appetite for acquisition finance. Beyond the big four, specialist lenders such as Judo Bank, BOQ, and various non-bank lenders can offer more flexible terms for business purchases. As a broker, we have access to a panel of over 20 lenders, which means we can match your deal with the lender most likely to approve it on the most suitable terms.

Approval timelines vary depending on the lender and complexity of the deal. A straightforward business loan with a major bank typically takes 2 to 4 weeks from application to approval. More complex transactions involving multiple securities or specialised lenders may take 4 to 8 weeks. We manage the entire process for you, preparing a complete application upfront to avoid unnecessary delays and keeping you updated at every stage.

A bank can only offer you their own products. A broker gives you access to dozens of lenders and can compare rates, terms, and lending criteria across the market to find the right loan to suit your needs. This is especially important for business finance, where each lender has different appetite for different industries, deal sizes, and security types. We do the heavy lifting of packaging your application, negotiating terms, and managing the process from start to finish.

Three principles guide how we work. People over profit: we're here to educate, not confuse, so we explain your lending options, answer your questions openly and guide you through the process without pressure. Negotiation over numbers: the right outcome comes from context, not just calculations, so we present your numbers within a well-structured story that explains where you're heading. Community over competition: you are never navigating your journey alone, and we connect you with a trusted network of professionals at the right time.

Entrepreneurship Through Acquisition, or ETA, is a pathway to business ownership where you acquire an existing business rather than starting one from scratch. It's a growing movement in Australia, particularly among professionals looking to leverage their skills by running an established operation with existing cash flow, customers, and systems. FGO Finance Group works closely with the Australian ETA community to help acquirers structure and secure the finance they need to complete their transactions.

Yes. We help clients purchase, refinance, and develop commercial property across Australia. Whether you're buying an office, retail space, warehouse, or mixed-use property, we source finance from our panel of lenders to secure competitive rates and terms. We also assist with property development finance and SMSF commercial property purchases.

Yes, we help with home loans. We assist clients across residential lending, whether you're a first home buyer, refinancing, or buying an investment property. We compare options across our lender panel and manage the process end to end, from pre-approval to settlement.

We're based in Melbourne, but we work with clients right across Australia. Because the finance application process is fully digital, from document collection to lender submission and approval, so location isn't a barrier. We've structured our business so that whether you're in Sydney, Brisbane, Perth, or regional Australia, you get the same hands-on service. If you're looking to acquire a business, purchase commercial property, or secure any type of finance, we can help regardless of where you're located.