Finance & lending

Reliable finance built around your goals

Addsum’s finance and lending team structures funding around your tax position, business setup and long-term financial goals.

Our approach

Finance that fits. From the ground up.

Every client’s financial position is different: their income patterns, their business structure, their tax obligations and their long-term goals. So, when considered in isolation, a loan that looks right on paper can create problems elsewhere. Addsum’s finance & lending team takes account of the full picture – analysing both where you are now and where you want to be. Then we find and structure your finance in a way that actually fits.

Our finance & lending services

Commercial, residential and development finance structured around you

• financial • taxation • assurance

Addsum’s clients benefit from access to a wide panel of lenders, including major Australian banks, non-bank lenders, specialist financiers and private credit providers. They also receive guidance from professionals who understand the specific circumstances of businesses and families navigating Australian and cross-border finance markets.

For developers looking to enter the Australian market from Mainland China and Hong Kong SAR, Addsum can help bridge the cultural gap through long-standing relationships with the property lending divisions of major Australian banks, specialist development lenders and private credit providers. Our finance team also holds membership with both the Mortgage & Finance Association of Australia and the Finance Brokers Association of Australia.

Property & construction finance

From first home to major development

Addsum’s clients benefit from access to a wide panel of lenders, including major Australian banks, non-bank lenders, specialist financiers and private credit providers. They also benefit from access to professionals who understand the specific circumstances of businesses and families navigating Australian property finance markets, including those with cross-border structures and Asia-Pacific connections.

See how we help

Residential mortgage finance

No two clients have the same financial position, and no mortgage product suits everyone. Addsum assesses your full situation, develops a tailored strategy and finds the right match from across our lender panel. For clients with complex income structures, business interests or cross-border considerations, this kind of coordinated approach can make a material difference to both the terms and the outcome.

See how we help

Commercial mortgage finance

For businesses acquiring or refinancing commercial property, Addsum combines knowledge of Australia’s commercial property, finance and debt markets with an understanding of how finance fits into your broader business and tax structure. The result is lending that’s structured to support your business, not just the transaction.

See how we help

Project development finance

Accessing development finance in Australia is significantly more demanding than it once was – and getting the funding you need usually means knowing how the local lending landscape works. Addsum’s long-standing relationships with the property lending teams at major Australian banks and their deep understanding of both Mainland Chinese developers and local project financiers means our clients spend less time exploring dead ends and more time building.

See how we help

Business finance

Funding that works as hard as your business does

• financial • taxation • assurance

Addsum supports established businesses with finance solutions built around real operational needs, including funding for business assets and vehicles, trade finance, and working capital and short-term cashflow facilities.

We help you identify the right facility for your situation, structure it sensibly, and make sure it fits with your wider business, tax and financial position and goals.

Asset & vehicle finance

Whether your business is acquiring vehicles, equipment or other operating assets, Addsum can help you structure finance that supports cashflow while matching the commercial purpose of the purchase. We regularly work with clients to analyse and access the right facility type, repayment structure and lender fit, rather than treating the transaction as a simple off-the-shelf equipment loan.

See how we help

Trade finance

If your business is involved in importing, distribution or supply-chain-driven trading, Addsum can assist with trade finance solutions that support supplier payments, inventory cycles and working capital efficiency. We help clients navigate facilities that sit around real trading activity, rather than forcing those needs into standard term debt structures that may not fit at all.

See how we help

Working capital & cashflow solutions

Some established businesses don’t need long-term debt, but could still use a short-term cashflow boost to manage growth, timing gaps or temporary pressure on liquidity. If your business has a real trading history and a clear commercial need, Addsum can help you identify and arrange appropriate working capital and cashflow solutions – keeping an eye on cost, flexibility and exit path.

See how we help

Agribusiness finance

Australia has strict agribusiness regulations. That means agribusiness lending requires genuine industry knowledge, including the differences between sub-sectors, the influence of location, weather and environmental conditions, and the risk profiles lenders apply to each. For foreign investors, FIRB approval requirements add another layer of complexity that most brokers are ill-equipped to navigate. Addsum’s agribusiness specialists combine sector knowledge with an understanding of the regulatory environment facing Asia-Pacific investors, and work alongside the accounting team to represent clients through the full process.

See how we help

Ready to bring it all together?

Whether you're an established business or entrepreneur, a growing family or an enterprise entering the Australian market, Addsum provides the .
Let's connect