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Managed our acquisition start to finish.
Jonathan secured various debt-funded options and was involved from beginning to end, ensuring a great outcome for our business.
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Sean SackBusiness owner
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What to expect: We'll discuss your situation, explore what's possible, and give you straight answers about your options-no pressure to proceed. You'll leave knowing exactly how to move forward.
Founder & Managing Director
Jonathan helps Australian businesses, investors, and homeowners access tailored finance solutions. With extensive banking experience, Jonathan provides strategic advice across commercial property, business expansion and home lending.
Book with Jonathan
Managing Director
After almost a decade in New York and Silicon Valley, including as GM of Uber's US and Canada Financial Services business, Gabriel chose to bring his experience closer to home. Today, he helps Australians and business owners grow through smarter, more tailored financing.
Book with GabrielStrategic financing for business acquisitions, commercial growth, and home buying, delivered by advisers who journey with you from start to finish.
We're here to educate, not confuse. Our role is to help you understand your lending options, answer your questions openly, and guide you through the process without pressure. When you understand the "why", better decisions follow.
Great outcomes come from context, not just calculations. We present your numbers within a well-structured story that explains where you're heading and why the right lending solution matters.
You are never navigating your journey alone. We tap into a trusted network of professionals and clients – connecting you with the right people at the right time.
Whether you're buying your first business or adding to your portfolio, we provide strategic financing to help you acquire and grow. Expert support throughout the entire acquisition process, from initial funding through to settlement.
Asset Finance & Working Capital Facilities to fuel your business expansion. Get the resources you need to seize opportunities and grow your operations.
Whether you're building an investment portfolio or securing premises for your business, we structure strategic funding solutions to help you acquire the right commercial property with confidence.
Whether you're buying your first home or growing your property portfolio, we secure competitive rates and terms tailored to your needs.
Founded FGO Finance Group and works across the full spectrum, from business acquirers and property investors to first home buyers. Strategic advice grounded in extensive banking experience and a focus on long-term partnership over single transactions.
Close to a decade in New York and Silicon Valley, including GM of Uber's US and Canada Financial Services. Before that, worked inside business banking centres at one of Australia's Big Four, learning the mechanics of credit from the inside. Now helping Australians finance acquisitions, invest in commercial property, and scale their businesses.
Managed our acquisition start to finish.
Jonathan secured various debt-funded options and was involved from beginning to end, ensuring a great outcome for our business.
Easy process, simple explanations.
Jonathan made the home loan process easy for us, explaining concepts in simple terms and being proactive with regular updates.
Thorough, transparent, well looked after.
A completely different experience from other brokers we engaged with. Jonathan was thorough and transparent throughout our first property purchase.
Stressful process made smooth and simple.
Jonathan guided me through every step with patience and clarity. What could have been stressful turned out to be smooth. Highly recommend.
Clear guidance on every option.
Jonathan reviewed my home loan and explained the pros and cons of different options, including offset accounts and loan categories. His advice gave me a much better understanding.
Secured my LMI exemption, stress-free.
After struggling with other brokers, Jonathan secured my LMI exemption and made the entire process smooth and simple. Incredibly detailed and proactive.
Proactive, helpful, fully trusted.
Jon has been incredible. So proactive and helpful, we know we are in great hands and fully trust him with our financial needs. Always gives his 110%.
Working with you, not at you.
Jon helped us refinance our home. You could really see he was working with us to achieve our financial goals, only presenting the best and most viable options.
Patient and approachable for new buyers.
Jonathan is amazing. Very prompt, thorough, and detailed in answering our many questions. Highly recommend, especially if you are new to the property market.
Amazing rate, incredibly smooth process.
Jonathan got us an amazing rate on our home loan and made the whole process incredibly smooth, transparent and simple. Knowledgeable and well connected.
Kept me in the loop for months.
Jonathan kept me updated with rate changes and made the switch to a new bank super smooth, even months after the paperwork was signed. Nothing was ever too much trouble.
The extra mile for a great outcome.
Jonathan assisted with an acquisition loan in a timely manner and at a great rate. He really cared about building a long-term relationship. Will definitely use FGO again.
Professional, reliable, tailored advice.
Jonathan helped secure finance for our property cashflow needs and negotiated better rates on existing business and home loans. Competitive solutions every time.
Smooth, stress-free bank transition.
Jonathan has helped our business in various capacities, most recently a change of financial institution which was conducted smoothly and stress-free.
Deep lender knowledge, flawless process.
John demonstrated deep understanding of various lenders, allowing us to compare and choose the most suitable for my circumstances. Quick and accurate with pre-approval.
Saved us around $2,000 a month.
Jon showed us what industry-leading service looks like. He mapped out every option, handled roadblocks from the bank, and delivered a refinance that transformed our cashflow.
Strategic thinking, outstanding service.
Working with Jon has been a game-changer for both our property and business financing needs. He combines strategic thinking with outstanding customer service.
First home, smooth and stress-free.
Jonathan made buying our first home smooth and stress-free. Great communicator before, during and after settlement. Made everything clear and available.
Guided us from pre-approval to settlement.
Jonathan offered clear loan advice, guided us through pre-approval, and supported us all the way to settlement. Patient, responsive, and thorough with every question.
Complex income, stress-free outcome.
Great communication and Jonathan walked me through every step of refinancing to purchase a new property. Made it stress-free even with complex income and portfolio structure.
Got results where others fell short.
Jonathan helped secure finance for a third business purchase when our existing lender could not. He also refinanced our business and home loans at much better rates.
Complex deals, competitive outcomes.
Jonathan secured a market-leading loan for a mixed-use site with retail, energy, and healthcare components. His ability to understand complex deals and deliver results is impressive.
0.39% discount on my home loan.
Jonathan got a 0.39% discount on my current home loan and extended the interest-only period on my investment property. He secured finance when others could not.
Saved thousands by overcoming LMI.
Jonathan saved our client thousands by overcoming LMI. His speed and responsiveness enabled a compelling offer, and the property settled within 30 days.
A great operator and good person.
Professional, thorough and informative. Jonathan has been a real pleasure to deal with throughout my journey. Can't recommend him highly enough.
Approved when other brokers said no.
John got us approved for a business loan in the quickest time, even when other brokers said we could not borrow. Stress-free experience with clear explanations throughout.
Transformed my financial situation.
Jonathan restructured and refinanced my credit cards, personal loans, and car loan into one easy repayment at a lower rate. He went above and beyond when others could not.
Quick responses, knowledgeable advice.
Jonathan helped us refinance our loan. His professional manner and tailored advice to our needs were very impressive. Always quick to respond and very knowledgeable.
Went the extra mile for us.
Jonathan was thorough, responsive, and extremely patient. He went the extra mile introducing us to conveyancers and tradespeople to support our property hunt.
Great low rate for our first home.
Jonathan helped us get a home loan for our first joint house purchase. Knowledgeable, supportive and reliable, with a great competitive interest rate.
Competitive rates, kept me updated.
Jonathan was knowledgeable and professional, offering tailored advice for my home loan refinance. He secured competitive rates and keeps me up to date with the market.
Always on the lookout for great rates.
Great experience dealing with Jonathan. Always on the lookout for great rates and touches base with us regularly throughout the year.
Great outcome, competitive rate secured.
Reviewed interest rates to obtain a more competitive rate and helped with reviewing options to purchase a second property.
Constant communication every step.
Jonathan was professional and responsive throughout the process of getting us a competitive interest rate for our home purchase. Communication every step of the way.
Expert advice, great all-round service.
If you are looking for expert advice and a great all-round service, I would highly recommend Jonathan and FGO Finance Group.
Made getting finance a breeze.
Awesome to work with and made getting finance sorted a breeze.
Above and beyond, start to finish.
Gabriel stepped me through the whole refinancing process, kept me informed, and ensured the outcome went above and beyond what I expected. Exceptional service.
Knowledgeable, transparent, patient.
After unsuccessful engagements with other brokers as a start-up, Jon took the time to understand our business and helped us secure a loan that met our requirements.
Field notes
Cap rates, vacancy trends, and the suburbs where investor demand is shifting.
A practical guide to structuring acquisition finance, from vendor terms to bank debt and everything between.
Term loans, asset finance, invoice finance, and more. What each one does and when to use it.
We'll take time to understand your situation-whether you're looking to acquire a business, secure commercial property finance, refinance your home, or explore other financing options.
From there, we'll walk you through what's possible. You'll get straight answers about your options, what lenders are looking for, and realistic timelines.
There's no pressure to proceed. The goal is simple: you finish the call knowing exactly how to move forward, whether that's with us or on your own.
You'll receive email confirmation of your meeting. Check your junk folder if you don't see it.
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 best 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 best option for your specific situation. 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.
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 can help with home loans. While our core expertise is in business and commercial finance, we still assist clients with residential lending - whether you're a first home buyer, refinancing, or investing in property. We compare options across our lender panel and manage the process from pre-approval to settlement, so you get the same level of service across all your lending needs.
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 - 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.
Answer four quick questions and we'll come back to you, matched to the right advisor, armed with the right context.