Our client

Emily has run an organic grocery store in Brisbane for four years, building a loyal customer base around locally sourced, sustainable produce. After reaching capacity at her original location, she saw a viable site for a second store and began exploring her financing options.

The challenge

Emily’s growth was complicated by an existing business credit card facility and outstanding supplier payment terms — obligations that affected her serviceability on paper. We knew a straightforward business loan application wasn’t going to work. She needed someone who could reframe her financial position and present it in a way that a lender would back.

The result

We consolidated Emily’s existing debts into the new loan structure and built a clear expansion business case around the second store’s projected revenue. A tier 2 lender in our network approved $220,000 on competitive terms, with a repayment schedule aligned to Emily’s seasonal trading patterns. Her second Brisbane store opened within three months of settlement.

“I thought my existing debts would rule me out. Nadine restructured everything so the numbers actually made sense to the lender. I wouldn’t have got there on my own.”

— Emily, Organic Grocery Retailer, Brisbane QLD