Business Finance
Smart Banking for mid-market businesses
We structure, position and negotiate funding for you.
So you can achieve your financing goals with confidence, not frustration.
More Funding
Better Terms
Less Frustration
Less Wasted Time
Capital Options is a business finance broker based in Barangaroo, Sydney, supporting mid market businesses across Australia secure up to $40 million in finance facilities from banks, non bank lenders, and credit funds.
We believe that who you pitch to at banks, and how you present your business, has a material impact on the financing outcome.
With more than 30 years of lending and credit experience, we help ASX listed and private businesses elevate their pitch, connect with the right banking partners and position their transactions for success.
“Working with Capital Options provided outcomes that were transformational. The right facilities, the right banking partner and real confidence in our future.”
What we do
We help our clients in 3 main areas of finance
NEW FUNDING REQUIREMENTS
Fuel growth through tailored structures for acquisitions, working capital, capex, and property purchases.
OPTIMISING EXISTING BANKING
Make your banking work harder from improving terms and pricing to reducing property security.
CLEARING BANKING HURDLES
Navigate complexity with confidence refinancing ATO debt, managing turnarounds, or resolving one-off challenges.
What makes us different
CREDIT EXPERTISE
We know how bank credit teams analyse and approve transactions.
LENDING EXPERIENCE
30+ years, $5Billion+ in management transaction experience, and a successful track record across complex transactions.
BANKING RELATIONSHIPS
Access to skilled and experienced bankers who respect and value our work.
VALUE-ADDED PROCESS
Bank-grade proposals with the narrative not just numbers.
The Result:
Smarter Structure. Sharper Terms. Better Outcomes.
“They package a transaction so well that I can read it once and know exactly what’s going on.
Credit calls their memos some of the best they’ve ever seen.
It’s the difference between confusion and approval.”
How we get smart banking results
Pitch
We Pitch Better.
We craft compelling, credit-aligned funding proposals that resonate with lenders.
Process
We Run a Professional Process.
Our structured, debt advisory based approach adds real value and bankers respect our inputs.
People
We’re Connected.
We know the right people inside the right banks, and we know how to get deals done.
“We ended up with a facility 50% larger than we thought possible.
The process, banking networks and Capital Options’ credibility made all the difference.”
The Result:
Smarter Structure. Sharper Terms. Better Outcomes.
Results we deliver
More Funding Options
Banks, Non-Banks, Credit Funds
Less Reliance on Property
Smarter structures, fewer roadblocks
Strong Credit Proposals
Increasing your odds of approval
Better Terms
Competing lenders, drive sharper terms
Top Tier Relationship Management
Tap into our senior banking connections
More Speed, Less Frustration
We run the process, end to end
Smarter Structures.
Sharper Terms.
Better Outcomes.
Case Study
$14m Funding Approved When Client’s Bank Initially Said “No”.
A long-established manufacturing business required $14 million to acquire property, complete a shareholder buyout, and fund new machinery. With only $6 million of acceptable property security, their Big 4 bank declined the request, and their accountant & broker could not help.
Capital Options structured the transaction using a cashflow led approach, prepared a compelling investment case, and ran a competitive tender across three Big 4 banks. All three approved the funding, including the bank that initially said no.
The result: Funding approved, strong pricing, flexible credit terms, a relationship manager who understands cash flow lending, and a clear pathway for future growth.
Client Testimonial: “Capital Options took the time to truly understand our business and market dynamics. They delivered a clear roadmap, positioned our story effectively with banks, and secured multiple funding offers in a short timeframe. We are extremely pleased with the outcome and the quality of the banking relationship established.”
What our clients say
Want smart banking? Let’s talk.
No Pitch, Just Fresh Ideas. Here’s how it works
We Set Up a 15 Minute Discovery Call
to understand your current banking setup
We Share Our Insights
or alternative options based on your situation
There is No Obligation
you choose whether you want to proceed