Let’s build something big.
Business lending, commercial property, home loans and asset finance.
Over 16 years lending experience with access to more than 70 lenders.
01 - WHAT WE FUND.
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Business lending
For operators, growers and acquirers.
Working capital, cash flow lending and acquisition finance, including complex deals outside the standard credit box.
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Commercial property
For buyers, investors and developers.
Commercial premises, investment property and construction finance, assessed on the project as much as on you.
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Home loans
For buyers, refinancers and investors.
For everyone including self-employed, single applicants and households whose income doesn't arrive as a fortnightly payslip.
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Asset finance
For anything the business runs on.
Vehicles, plant, equipment and fit-outs, set up before you need it so you can move when the right asset appears.
02 - WHO WE CAN TAKE YOU TO.
Over seventy lenders, and the difference between them is the whole job.
The majors. Six big bank brands, for the deals where a major is genuinely the best answer and not just the default.
The second tier and the mutuals. Where a deal does not fit the majors' boxes but is still clean, straightforward lending.
The non-banks and specialists. Self-employed income, a credit event in the past, an unusual security, a structure a bank will not read.
Private credit. Construction, development, bridging and the deals that need to move faster than a bank committee can.
Cash flow and invoice finance. Funding the gap between doing the work and getting paid for it, without putting up property.
Knowing the list is not the skill. Knowing which credit team will stop at which line, before you have wasted three weeks finding out, is.
03 - THE TYPES OF DEALS.
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$9M - Business expansion
A purpose-built facility funded at 100% of cost, with the equity contribution met in plant and property instead of cash.
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$30M - Property portfolio
Four CBD assets repackaged as a single position, at half a percent better. Resulting in the client saving around $150,000 a year.
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$1.7M - Dream home
A GP buying their perfect home at 95% with no mortgage insurance, on income a standard assessment read as too new.
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$600K - Machinery upgrade
A laser cutter that cost less each month than the subcontractor it replaced, and improved the bottom line by even more.
04 - WHY BLOC.
Sixteen years on the other side of the desk.
Most brokers learn lending from the outside, by sending applications in and waiting to hear back. Dan learned it from the inside, assessing and writing credit at NAB, ANZ and Judo Bank for sixteen years.
That is the difference between hoping a lender says yes and knowing which one will, what their credit team will stop on, and what has to be in front of them before anything goes anywhere.
Bloc has access to more than 70 lenders. Anyone can hold the list. Knowing which three are worth your time is the job.
05 - HOW WE WORK.
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Say it plain
If you can't repeat it back to someone else afterwards, we haven't done our job properly.
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Truth early, always
You'll know where you stand quickly, even if the answer is ‘not yet’, and what would have to change for it to become a yes.
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Come as you are
Self-employed income. A gap in the record. A structure that doesn't fit the form. Our approach considers every possibility.
06 - WHAT WE BLOCK OUT.
Block out the jargon.
Block out the runaround.
Block out the waffle.
We never block out the rules.
Nobody shrinks their plans here.
Start with a conversation. Tell us what you're trying to do and we'll tell you where you stand.