Outcome-focused From the Brink of Insolvency to Long-Term Stability — A Real Client Story
June 3, 2026Meet Joanne and Geoff…
Joanne and Geoff were self-employed for a little over 12 months and were looking to refinance their home loan.
Just over a year ago Joanne & Geoff opened their own bakery after Joanne had spent the previous 5 years working in her family’s bakery business. Being relatively conservative, they set their business with very limited staff levels to minimise costs.
Business has been strong and they have developed an excellent local presence in the community. They are now looking to expand their operations and need a larger oven and additional staff with an apprentice to be hired.
Joanne and Geoff went to the bank and were declined the refinance because the bank required a minimum two years of business operation before they could consider their application.
Our Solution
We were able to secure a loan based on Joanne & Geoff having an ABN just for 12 months. Their clean credit history and strong cash flow assisted in getting Joanne and Geoff a competitive interest rate comparable with the big banks.