Need small business finance?

We can help you

Small Business Finance

Want to take that beautiful business of yours to the next level?

You’ll need cash flow and resources to make it happen.

This is where small business finance and SME lending could help.

We offer:

  • Small business cash flow loans
  • Debtor finance
  • Asset finance
  • Commercial property loans

It can be difficult to know just where to start when it’s time to apply for small business finance.

Our expertise in each individual bank and lenders’ differing lending criteria will make sure you choose the right small business finance solution.

We’ll guide you through the entire application process.

We make securing small business finance faster and easier.

Small business finance services

Small business cash flow loans

Picture this; you’ve been offered a game-changing opportunity for your business. But you’re scared you’ll have to turn it down because you don’t have the resources needed.

Cash flow lending is a solution to this problem.

Our client won a contract to stock her products with a large retail chain. However, she needed to upgrade her equipment quickly. We helped her secure a short-term business loan within days to buy the equipment she needed.

Under the right circumstances, this kind of loan could be exactly what you need to take your business to the next level.

Book a chat with our friendly small business finance broker to explore whether this option is right for you.

Debtor finance

Do you have unpaid client invoices that are tying up your business’ cash flow?

Debtor finance, also known as Invoice finance, allows businesses to raise capital from invoices they generate for their customers to pay.

For example, you need the money from a customer invoice quickly (two to three days) rather than waiting 60 days or whatever your payment terms are.

Book a chat with our friendly small business finance broker to explore whether this option is right for you.

Commercial property finance

How amazing would it feel to own your office space, retail shop or factory?

If you’re thinking of buying a commercial property, we can help you choose the right loan structure, navigate the regulations, complete the onerous paperwork and secure your commercial property loan.

Check out our commercial finance page to learn more.

Asset finance

Businesses use asset finance to get the assets and equipment they need to grow.

You can use asset finance to fund any asset, from computers to vehicles and everything in between.

The most common types of asset finance are hire purchase and leasing.

Book a chat with our friendly small business finance broker to explore your asset finance options.

Why choose Violeta Finance to organise the right business finance solution for you

  • We’re one of the most trusted and highly awarded Finance Brokers in the Frankston, Bayside and Mornington Peninsula region
  • Our customers love us, and they love to sing our praises
  • You’ll never be alone, we’re here to answer all your questions, we’ve got you, we promise
  • Our strong relationships with banks and lenders mean we’re confident customer advocates
  • We’re reliable, approachable, trustworthy and we’ll exhaust every avenue to help you get the best outcome possible

What you get when you choose us as your home loan mortgage broker


Meeting with our (super friendly) Finance Broker, Carl is like visiting over 40 different banks and lenders all in one friendly, relaxed appointment. We have access banks and lenders that aren’t available to the general public. This means we can compare hundreds of loans for you.


Our office is child, baby and pram friendly. Or we can come to you.


We know EXACTLY what each bank and lender are looking for in a home loan application. So, we make your application as attractive as possible to help you put your best foot forward.


We look after all the paperwork for you. We’ll package your application up in a way that makes the lender or bank’s assessment process as easy and efficient as possible.


Having access to hundreds of home loans, means we can compare interest rates to find a competitive home loan for you. Also, sometimes, we have access to special interest rates and fee discounts or waivers.

Our trusted panel of lenders

Meeting with our Finance Broker Carl is like visiting over 40 different banks and lenders all in one friendly, relaxed appointment. Our carefully curated panel of lenders are competing for your business and we’re here to empower you with choice. Our lenders include all of the big banks and 2nd tier lenders such as building societies and non-conforming lenders.

Kind words from happy clients

This was my first home loan and working with numbers is not my strong suit! He was fantastic at answering my silly questions and dealing with my mini freak outs!

He came to me with multiple options of suitable home loans clearly stating any fees, insurances and repayments so there were no unforeseen surprises down the track.

Carl is very approachable, diligent and I had my complete trust in his services.

Natalie Townsend

First home buyer

He was relaxed and friendly, and very honest, and non pushy – something of which I found so surprising and refreshing. That day he sent me a few quotes, and helped me fill out the application.
My partner and I went and test drove a car, and we decided on one and got the purchase order to Carl.
The first lender said no, but Carl was determined not to give up. He had two other options for us. They required a small deposit, which we had, and a week later we had our car AND the quote that came in was even cheaper than the first – WIN!
Carl has checked in at every single step of the way – even when the lenders were taking some time to process the loan, and has been very honest.
His service is absolutely seamless, stress free and he has impeccable customer service.
I cannot recommend him highly enough!

Beckii Jones

New car owner

The service you provided was second to none.

I really appreciated you taking the time to assist me with completing paperwork, which was very different from my dealings with other brokers in the past

Sam Keats

Small business owner

Book your free small business finance consultation today

Simply choose a time that suits you below.

Pop in your contact details and our super friendly Finance Broker Carl Violeta will give you a call.

It’s that easy.

Resources to help you get on top of your finances

All of our services

Home Loans

For first and next home buyers. We compare hundreds of loans and rates to find the right fit for you.

Property Investment

Grow your wealth and property portfolio with our exclusively tailored Investment Loans.

Mortgage Refinancing

Compare your current home loan with others on the market to save on your repayments.

Small Business Finance

We organise business loans, cashflow finance and debtor finance to help grow your empire.

Commercial Finance

We’ll help you secure finance to buy a commercial property — and we’ll ensure your loan is structured correctly.

Car Loans

Purchase your new wheels without being trapped in a high-interest loan.