Why many technology businesses avoid banks

Many technology and service businesses assume traditional bank funding is unavailable to them. Often they default to equity dilution, vendor finance, venture debt, or private credit to fund growth. While each has its place, many founders don't realise a cheaper option may be available.

Debt funding is available

Some lenders are now more comfortable with technology businesses that have

1. recurring revenue,

2. contracted income, and

3. strong customer retention.

The challenge is knowing which lenders understand and value these models.

What's on the table

In 2026, Australian banks will lend to certain technology businesses for

• working capital

• acquisitions

• succession planning

• founder cash out

For businesses with consistent annual profit above 500k, borrowing without tying in Directors' homes may also be possible.

How we help

We help Australian tech businesses with over $3m in revenue, find the right lender, structure funding, and secure competitive terms.

Pricing and structure vary widely — even by banker — and the right connection can materially shift the outcome.

Borrower character matters. We seek integrity and business acumen. Let us truly understand your business so we are best equipped to help.

If this sparks interest, we would love to discuss further.