Stronger capital decisions drive stronger outcomes.

Strategic, advisory-led funding guidance for business owners and property investors who make decisions with foresight.

Factor Capital provides strategic, decision first advisory to help businesses and investors structure funding with clarity, discipline, and long-term focus.

Years of Experience
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Lenders
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Client Turnover
$ 0 M+

Why funding decisions often underperform?

Factor Capital provides strategic, decision first advisory to help businesses and investors structure funding with clarity, discipline, and long-term focus.

Poor structure

Funding arranged without regard to cashflow, term, or asset lifecycle creates avoidable risk..

Reactive timing

Waiting until pressure builds limits lender choice, increases cost, and reduces negotiating leverage.

Decision-Making First

Starting with applications instead of strategy leads to sub-optimal outcomes — even when approvals are obtained.

How our approach differs?

Our commitment to honest, strategic advisory built on transparency and expertise.

Decision-first advisory

We prioritize strategic clarity before applications, ensuring you make informed choices.

Clear pathways

Funding structured around timing, risk, and objectives — not just approval.

No guaranteed outcomes

Honest assessments grounded in market reality.

Confidential and Australia-wide service

Discreet advisory with national lender access.

Trusted by Australian businesses and property owners navigating complex funding decisions.

Our Advisory Focus Areas

Strategic, decision-first advisory across complex funding, capital, and cashflow scenarios.

Commercial Property Advisory

Strategic guidance for investors and owner-occupiers assessing yield, WALE, tenant quality, capital structure, and funding feasibility before committing capital.

Business & Working Capital Strategy

Advisory for business owners navigating growth, liquidity, or transition — including funding assessed using cashflow and operating position.

ATO & Cashflow Pressure

Confidential assessment of funding pathways to manage ATO obligations and stabilise cashflow before issues escalate.

Non-Bank & Private Capital Solutions

Guidance across non-bank and private lending solutions where traditional bank funding may not be suitable or timely.

How We Work?

Our process is deliberate and decision-first, not approval-driven. Strategy comes before execution, so funding supports long-term outcomes.

Cashflow, structure, objectives.

Optimal timing and funding approach.

Funding aligned to risk and long-term outcomes.

Funding coordinated through approved partners.