Balmoral Credit
Capital solutions for
Australian & UK businesses.
We provide funding for
your next phase of growth.
Fast, flexible lending backed by decades of credit experience. We lend where banks won't, providing highly secured capital from $100K to $5M with certainty, speed, and structures that work for your business.
Why Balmoral
The funding partner your business deserves.
Banks are slow, rigid, and often say no. Balmoral is built to say yes: quickly, clearly, and on terms that make sense for growing businesses.
01
Speed of Execution
No committees, no red tape. We assess, approve, and fund within days, not weeks or months. When timing matters, we deliver.
02
Certainty of Funding
When we give you a term sheet, we stand behind it. Our capital is committed and ready to deploy. No last-minute changes, no surprises.
03
Flexible Structures
Every business is different. We tailor loan terms, repayment schedules, and security packages to fit your specific situation, not the other way around.
04
Experienced Partners
Our team has operated businesses, managed credit portfolios, and structured deals across multiple cycles. We understand your business because we've been in your shoes.
We're not a bank. We're not a broker. We're a direct lender with the capital, experience, and willingness to fund what others won't.
Our Solutions
Four ways we fund your business.
Every solution is secured against tangible assets you already own. No enterprise-value guesswork, no revenue projections required. If you have assets and a sound business, we can work together.
$100K-$5M
Loan Sizes
12-36mo
Loan Terms
Days
Typical Approval
Highly Secured
Structure
Business Refinancing
Your current lender pulling back or tightening terms? We step in with improved structures and certainty of funding so you can focus on running your business, not chasing finance.
Best suited for: Businesses with existing facilities facing changing lender appetite
Debt Restructuring
Existing debt that needs a fresh approach. We acquire or refinance stressed positions, giving borrowers breathing room and a clear path forward with a single, supportive lender.
Best suited for: Companies with performing assets but complex debt structures
R&D Tax Advance
Unlock the value of your assessed R&D tax receivable now, rather than waiting for the ATO. The government is the counterparty. We provide the capital bridge.
Best suited for: Innovation-driven businesses with registered R&D activities
Asset-Backed Loans
Borrow against the tangible assets your business already owns: equipment, inventory, plant, property. No need to give up equity. Keep ownership and get the capital you need.
Best suited for: Well-capitalised businesses with tangible collateral
How It Works
From enquiry to funding in days, not months.
We've stripped out the complexity that makes bank lending painful. Our process is direct, transparent, and designed to get you an answer fast.
01
Initial Conversation
Tell us about your business and what you need. We'll give you a straight answer, quickly, on whether we can help.
02
Assessment
We review your financials, assess the collateral, and structure a facility that fits. No hidden hoops, no endless paperwork.
03
Term Sheet
A clear, binding term sheet with all the details: amount, rate, term, security, and covenants. No surprises down the line.
04
Funding
Once agreed, we move to settlement and draw-down. Capital in your account when you need it.
No committees. No approval chains. Every deal is assessed by the principals who will fund it.
We understand the capital challenges growing companies face, because we've been there ourselves.
Your Lending Team
Business operators, not just financiers.
We've built businesses, managed credit portfolios, and structured hundreds of deals. When you work with Balmoral, you work directly with the people making the decisions.
Andrew Bowles
Partner
Exited founder and corporate leader with direct experience in distressed and turnaround credit. Has built and run businesses across manufacturing, logistics, and technology, and understands the capital challenges growing companies face firsthand.
Nicholas Petrakis
Partner
Chartered Accountant with deep experience providing financial advisory services across a range of industries. Nick brings rigorous financial analysis to every deal, ensuring structures that are fair, transparent, and built to last.
Supported by a broader team spanning credit assessment, portfolio monitoring, deal origination, and structuring across both the Australian and UK markets.
Get Started
Ready to discuss your funding needs?
Whether you have a specific requirement or want to explore your options, our team is ready to have a conversation. No obligations, no pressure. Just a direct assessment of how we can help.
What You'll Need
Business details
Company name, ABN, and nature of business
Financial overview
Recent financials or management accounts
Funding requirement
Amount, purpose, and preferred timeline
Collateral summary
Description of available security or assets
Don't have everything ready? That's fine. Start the conversation and we'll guide you through what's needed.