01
Turnover
Lenders size facilities against revenue differently, and some set minimum monthly turnover.
Lender panel
Different lenders. Different appetites.
We work with a panel of Australian business lenders. Tennanova helps identify which types of facilities may warrant a closer look before a formal application is considered.
Check my funding options
The panel
How the panel is made up.
The panel spans fast unsecured, specialist and secured lenders. Each has its own products, criteria and appetite, and these change. Which lenders are relevant to a particular business is worked out during the application.
Fast & unsecured
Speed-first lenders
Working capital and revolving limits, assessed mainly on turnover, bank statements and time trading.
Specialist
Specialist lenders
ATO debt, refinancing and the files mainstream lenders tend to pass on.
Secured & asset
Secured lenders
Larger facilities backed by property, equipment or receivables, often over longer terms.
Every lender weighs these differently:
- Turnover
- Time trading
- Credit history
- ATO position
- Existing debt
- Industry
- Security
- Purpose
Lender appetite
Why the same business gets different answers.
A decline from one lender says little about the next. Knowing which criteria matter most for a business helps avoid applications that were unlikely to fit.
02
Time trading
Minimum trading periods vary from lender to lender and product to product.
03
Industry
Some industries sit outside a lender's appetite entirely; others are a specialty.
04
Existing commitments
Current facilities and repayments affect how much more a business can service.
05
Conduct and credit
Dishonours, missed repayments, defaults and the ATO position are read differently.
06
Security
Whether property or other assets are available changes the size and term on offer.
Funding Check
Narrow the field before you apply.
Tell us about the business. We'll show you the funding structures that may be worth a closer look, then you decide whether to go further.