At Be Proactive Finance, we help businesses and individuals access the right loan, even when traditional banks say no.
Invoice finance lets you access up to 85% of unpaid invoices immediately, improving cashflow without taking on traditional debt.
You issue invoices as usual.
You receive most of the value upfront.
The balance is paid once your client settles.
Trade finance helps you pay suppliers before stock arrives or sales are made, protecting your cashflow and supplier relationships.
We structure facilities that support growth — not just transactions.
Whether you’re buying new or used, a personal car loan gives you flexible repayment options and competitive rates.
We source the loan that fits your budget — not just the car.
An unsecured personal loan doesn’t require any asset as security, making it a fast and flexible option for many borrowers.
A personal secured loan uses an asset — commonly a vehicle — as security, giving you access to lower interest rates and higher limits
than unsecured loans.
We’ll help you understand the trade-offs clearly, so you borrow confidently.
We compare 40+ lenders, explain the numbers clearly, and structure the loan to suit your goals — not the bank’s preferences.
Low-doc and no-doc loans are designed for self-employed clients and new businesses that don’t have full financials yet.
If traditional lenders say no — we look for a way forward.
Minimal documentation required.
Assessment based on your asset, income, and business activity.
Faster turnaround than standard loans.
We know which lenders actually support low-doc deals — and how to present your application properly.
An operating lease allows your business to use equipment without any obligation to purchase it at the end. It’s ideal for short-term
needs or assets
You lease the asset for a set period.
You return it at the end of the term.
No ownership, no resale concerns
We’ll assess whether an operating lease actually makes sense for your situation — not just push it because it’s easy.
that change quickly.
Use the asset now. Decide what’s next later.
Flexible finance for growing businesses
You hire the asset from the lender.
You make fixed repayments over the agreed term.
Ownership transfers at the end of the contract.
We explain lease structures clearly and help you avoid surprises at the end of the term.
A Commercial Hire Purchase (CHP) lets your business use an asset immediately while paying it off in fixed instalments. Once the
final payment is made, ownership transfers to you. It’s a simple, structured option for businesses that value certainty.
You hire the asset from the lender.
You make fixed repayments over the agreed term.
Ownership transfers at the end of the contract.
We’ll help you decide whether hire purchase or another structure is better for your tax and cashflow position — and explain why.
A chattel mortgage is one of the most popular asset finance options for Australian businesses. It allows you to purchase vehicles or
equipment outright, while spreading the cost over time with predictable repayments.
With Be Proactive Finance, we make chattel mortgages simple, transparent, and tailored to how your business actually operates
You own the asset from settlement.
The lender uses the asset as security.
You repay the loan over an agreed term, with optional balloon payments to manage cashflow.
We compare 40+ lenders, explain the numbers clearly, and structure the loan to suit your goals — not the bank’s preferences.
