Most business owners think lending is something you deal with when you need it. The market treats it that way too.

But the way founders are assessed, structured, and tied into the wrong loan is decided long before the application ever gets submitted.

In this conversation, Kerrie McGilvray sits down with Melanie Cunliffe, mortgage broker and founder at Indigo Finance, to unpack what business lending actually looks like behind the scenes. Not the version your bank presents over the counter, but the version where lender choice, business structure, and timing decide whether you get options or get stuck.

• A profitable business is not automatically a borrowable one. Banks look backwards while founders live forwards

• Lender choice can change borrowing capacity dramatically. The same income can be taxed at twenty five or forty five percent depending on who you walk into

• Cross securitisation is sold as simplicity. It is designed to make you sticky

• Planning six to twelve months ahead creates options. Walking in cold creates limits

• A self managed super fund is not a deposit gap filler. It is a strategy, with a different set of rules

This episode reframes what good lending actually looks like for business owners. It isn’t about getting approved. It is about being set up with enough flexibility that the loan you take today doesn’t quietly limit the next three decisions you want to make.

If your bank has told you no,

or said yes in a way that left you feeling more constrained than free,

this is the conversation worth sitting with.

Lending, SMSFs and Structure - out now

You Can Connect With Melanie Cunliffe:

Website: Indigo Finance

Instagram: Indigo Finance

Facebook: Indigo Finance

LinkedIn: Melanie Cunliffe

Connect with Kerrie McGilvray:

Website: ⁠The Admin Superheroes⁠

LinkedIn: ⁠Kerrie McGilvray⁠ | ⁠The Admin Superheroes⁠

Instagram: ⁠Kerrie McGilvray⁠ | ⁠The Admin Superheroes⁠

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