Business Loans from $10,000 to $1M

Our Business Is Helping You Grow Yours

Welcome To Specter Financial

Supporting Australian businesses with tailored financial solutions, including business loans, cash flow financing, and asset and equipment loans.

  • Expert Guidance
  • Personalised Solutions
  • Proactive Approach
  • Exceptional Service
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Years Experience
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OUR SERVICES

What We Provide

Our tailored financial solutions are designed to help businesses like yours thrive. Whether you need quick access to funds, growth-focused financing, or support managing unexpected expenses, we’re here to help! Let us help you achieve financial stability and growth with expert strategies and fast, reliable services.

Business Loans

If you’re a driven business owner facing unexpected expenses, large projects, or ambitious growth targets, our tailored Business Loan solutions are designed to provide the capital you need to thrive

Invoice & Cash Flow Finance

Managing cash flow can be challenging, especially when awaiting payments from customers. With our Invoice & Cash Flow Finance, you can unlock the funds tied up in unpaid invoices, ensuring you have the cash you need to keep operations running smoothly.

Lines of Credit

Access financial flexibility with a Line of Credit tailored to your business. Perfect for bridging cash flow gaps, covering unexpected expenses, or supporting day-to-day operations, our lines of credit provide quick, reliable funding.

Tax Debt Loans

Tax obligations can often create stress and financial strain for businesses. Our Tax Debt Loans provide the relief you need to manage GST, superannuation, PAYG, and other tax liabilities. Let us simplify the process, handle the paperwork, and deliver breathing room so you can focus on your business operations

Commercial Property Loans

Has your business outgrown its current premises? Our Commercial Property Loans offer hassle-free financing to help you secure, expand, or upgrade your commercial property. Whether you’re purchasing a new space, renovating an existing one, or investing in long-term real estate growth, our solutions are designed to meet your needs.

Asset & Equipment Loans

Staying competitive often requires the latest technology, equipment, and vehicles. With our Asset & Equipment Loans, you can finance the tools and resources you need without disrupting cash flow.

OUR TEAM

Get To Know The Team

At the forefront of our organization stands a team of seasoned professionals, each dedicated to excellence in their respective fields.

Accreditation and Association Registrations

Member with FBAA (www.fbaa.com.au)

Member with AFCA (www.afca.org.au)

Aggregation is through COG (cogaggregation.com.au)

All Brokers hold a Cert 4 & Diploma in Finance and Mortgage broking

Robert Trevarrow

Managing Director

Alexander Le

Commercial Broker & Team Leader

TESTIMONIALS

What Our Clients Says

Delve into direct testimonies from people, companies, and institutions who’ve taken advantage of our services.

Google Reviews
Garry Glaskin

Great outcome working with Daniel Cannella for some additional funding at a reasonable rate to manage business growth and immediate cash flow management for offshore stock purchases. Process was fast and uncomplicated and funds available within a few days. Much appreciated.

Gilly Chandler

Alexander was most helpful in getting us through our first year of trading. Being a new small business in hospitality with no prior history, borrowing money for growth was a challenge. Alex managed to find solutions which suited us in the short and long term.

Zackarie Haines

Karl is an absolute legend for making my dream become a reality! Didn’t matter the humps and bumps we had to get over and my poor credit history. But between Karl and Spector financial they made it happen, this financial help will bring financial freedom and stability to my family’s in come and our businesses opportunity to grow!!

Kristine Cotter

I am very happy with the process with Specter Finance and specifically Karl. I travelled overseas and the time difference was difficult but he was very patient with me even when I was getting frustrated.
Would definitely recommend their services to others.

Willow Kennedy

What a fantastic experience Alexander Lee is by far the best broker I have ever dealt with. This guy knows his stuff, his communication is faultless, and he goes above and beyond for his clients. I can't recommend Alex highly enough.
Would definitely recommend their services to others.

Our Lenders

We partner with industry-leading lenders to secure the best financing solutions for your business.

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Accreditation and Professional Associations

We take pride in maintaining the highest standards of professionalism and expertise in the industry.

Our credentials include:

  • Member of the Finance Brokers Association of Australia (FBAA)
  • Member of the Australian Financial Complaints Authority (AFCA)
  • Aggregation Partner: Connective Group (COG)
  • Qualified Brokers: All brokers hold a Cert 4 & Diploma in Finance and Mortgage Broking

FAQ

Frequently Asked Question

Is my business eligible for finance?

To be eligible for financing or loans via Specter Financial you will need to meet one of two of the following criteria.

  • If you have been running your business for a period greater than 3 months, you qualify for financing.

  • If you own/are currently paying off property, you are also eligible, regardless of current circumstances relating to your business.

If you do not fall into either of these categories, get in contact with a friendly member of our team and we can discuss possible tactics moving forward.

This will be determined on a case-by-case basis. Our team will provide you with loan limits depending on your business’s current turnover
and profitability, or the equity stake you have in your properties.

At Specter Financial, our customer-centric philosophy means that we will always strive towards terms that enable the highest chance of
success for you. Once we have established your current situation and future ambitions, we can work with you to arrive at terms that are
customised to your needs and mutually beneficial for both parties.

The first step is to speak to a Commercial Broker at Specter Financial over the phone. We’ll discuss your business and your goals, and
gather some key details about your operations and financial history. Then leave it to us – we’ll negotiate with our extensive lender panel and
respond with commercial finance solutions tailored to your unique situation. Speaking to us is completely free and you’re under no
obligation to go ahead.

Still Confused About Our Features?

Our team is ready to guide you every step of the way. Let’s customise a financial solution that meets your business needs.

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