Exec Finance, specialist mortgage broker for executives

    Lending That Understands How Entrepreneurs Build Wealth

    Entrepreneurs and business owners rarely earn a straightforward salary. Your income may flow through a company, a trust, or a combination of both. You may draw a modest salary but hold significant equity in a growing business. You might have reinvested most of your earnings back into the business, making your tax returns look nothing like your actual financial position.

    Standard lenders see risk in this complexity. We see the reality of entrepreneurial wealth, and we know how to present it to lenders who value it.

    Why Standard Lending Undervalues Business Owners

    The Australian lending market is designed around PAYG income. When your earnings flow through a company or trust, lenders often apply conservative adjustments that significantly reduce your assessed income. Common challenges include:

    Company profits retained for growth being excluded from income assessments, even when you control the distribution
    Trust distributions being discounted or treated inconsistently between lenders
    Low personal tax returns (a sign of good tax planning) being interpreted as low income
    Business depreciation and other non-cash deductions reducing your assessed capacity
    Recent business growth not yet reflected in the two-year financial history most lenders require
    Multiple entity structures adding complexity that many credit assessors lack the expertise to navigate

    We work with lenders who understand that a $200,000 salary from a business you own and control is fundamentally different from a $200,000 salary as an employee, and we present your application accordingly.

    What We Deliver for Entrepreneurs

    Home Loans Based on Your True Capacity

    We look beyond your tax return. By analysing your business financials, entity structures, and cash flow, we present your income to lenders in the way that maximises your borrowing capacity while remaining fully compliant with responsible lending obligations.

    Investment Lending Alongside Business Growth

    Many entrepreneurs want to build a property portfolio alongside their business. We structure investment lending to complement your business cash flow, avoiding over-leverage while allowing you to diversify wealth beyond your business.

    Lending Through Complex Structures

    Whether you are borrowing personally, through a family trust, through a company, or through a combination, we structure lending across entities in a way that aligns with your accountant's tax and asset protection strategy.

    Pre-Approval That Reflects Your Situation

    A strong pre-approval gives you confidence in competitive markets. We secure pre-approvals from lenders who have already assessed your business income, so there are no surprises at formal approval stage.

    Lending During Business Transitions

    Selling a business, acquiring a business, raising capital, or going through rapid growth all affect your lending position. We structure lending that accounts for these transitions rather than being disrupted by them.

    Common Scenarios We Handle

    A founder drawing $150K salary from a company generating $2M+ in revenue — standard lenders assess the $150K, we present the full picture
    A business owner with three years of strong growth but a loss year two years ago that distorts the average
    An entrepreneur who has just sold a business and needs to structure lending around a lump-sum gain rather than ongoing income
    A husband-and-wife business where income is split across trusts and personal names for tax efficiency
    A franchise owner with multiple locations generating income through different entities

    Frequently Asked Questions

    Related

    Executives

    If you're a corporate leader with equity compensation

    Complex Structures

    For lending across trusts, companies, and SMSFs

    Commercial & Business Finance

    Finance for business premises and operations

    Ready to Get Started?

    Book a private strategy session with our specialist team.

    Book a Private Strategy Session

    The information on this page is general in nature and has been prepared without considering your personal objectives, financial situation, or needs. Before acting on any information, you should consider its appropriateness having regard to your own objectives, financial situation, and needs and seek independent professional advice. Exec Finance Pty Ltd is a MedX Finance Operations PTY Ltd brand.