LEVELHEADBusiness Advisors

Business finance broker · Sydney · Australia-wide

Levelhead Business Advisors: business finance broker and advisory in Sydney

Business Advisors

Business finance broking and advisory

Hope is not a lending strategy.

Your bank judges you on accounts 12 to 24 months old. We show lenders how you trade today, with the forecasts and credit paper built in-house.

Find out what you can borrowSee what we finance

Free call · A straight answer on your capacity · We stay on after settlement

$0M+Finance arranged
0+Lenders on our panel
0.0From 60 Google reviews
0+ yearsIn commercial finance
ANZ
Commonwealth Bank
NAB
Westpac
Macquarie
Judo Bank
ScotPac
Prospa
Moula
Banjo
Shift
Earlypay
Lumi
Moneytech
Dynamoney
La Trobe Financial
Pallas Capital
Hermes Capital
M2 Capital

We grow with you

From your first truckto your own premises.

  1. Stage 01 · Equipment

    The first truck, ute or machine

    Term and balloon matched to the asset, and sized so it doesn't crowd out what comes next.

    • Trucks, utes and commercial vehicles
    • Excavators, plant and machinery
    • Fit-outs, technology and medical equipment
  2. Stage 02 · Cashflow

    Cashflow that keeps pace

    Working capital sized to your real debtor and creditor cycle, not a rule of thumb.

    • Overdrafts and business lines of credit
    • Invoice and debtor finance
    • Trade finance for imports and exports
  3. Stage 03 · Growth

    A second site or an acquisition

    A business plan and projections that show a lender how the new site pays its way.

    • Business acquisition finance
    • Expansion and fit-out facilities
    • Franchise finance
  4. Stage 04 · Premises

    Own the building you trade from

    Rent against ownership modelled, and the structure set with your accountant.

    • Owner-occupied commercial property
    • Warehouses, offices, medical and retail
    • Full doc and lease doc lending
  5. Stage 05 · Property

    Property outside the business

    Business and personal borrowing planned together, so strong profits build something you own.

    • Commercial investment property
    • Residential investment property
    • Home loans for owners and their families

Business services

Your numbers, set out the waya lender reads them.

Like a management accountant for your borrowing, without the tax work.

Every facility you hold, checked against how the business trades now.

Rates and fees against the market, structure and security, covenant headroom and maturity dates. You get a written report and a clear recommendation to keep, renegotiate or refinance.

More on this service
  • Facility schedule and pricing benchmark
  • Covenant headroom tested on current trading
  • Refinance and restructure options, with lenders named
  • Optional annual review so it stays current

Every $10,000 of earnings a lender accepts is worth $62,000 to $90,000 of property.

At a 7.5% to 9.85% assessment rate over 25 years, at 1.25x to 1.50x cover. Illustrative only; rates, terms and lender policy vary by deal.

Levelhead Partner

The funding side of a CFO, on call.

A retainer for businesses that want their banking watched, planned and negotiated every month, not just when a loan is due.

Ask about PartnerHow Partner worksTailored to your business, quoted in writing
Covenants watchedMonthly monitoring, with early warning well before a breach.
Every date trackedMaturities, reviews, balloons and asset end-dates on one calendar.
Lenders managed for youRenewals, credit requests and the next deal, handled by us.

Client stories

Declined elsewhere. Funded here.

All fourteen client stories
Veterinary · 2025

Capped at $3.0m. Capacity lifted to $6.5m.

Client
A practice owner turning over about $1.5m, wanting to buy more property.
Requirement
Lenders couldn't read his income, so capacity sat at $3.0m.
Solution
Three years consolidated and current trading annualised: about $400,000 of earnings, and $6.5m of capacity.
Read the story
Food franchise · 2026

Declined for a bigger store. Then fully funded.

Client
Operators months into their first store, buying a much larger second one.
Requirement
A major bank declined on serviceability: short history, bigger debt.
Solution
Business plan, forecast and stress-tested serviceability: approved with about 3x interest cover.
Read the story
Landscaping · 2026

11 months on the books. A 30-year business bought.

Client
A sole trader buying a landscaping and garden supplies business priced above $1m.
Requirement
The major lenders had declined him on trading history alone.
Solution
A case built on the target's 30 years of trading: approved and fully funded at about 2.3x cover.
Read the story

Details anonymised and some figures altered. Outcomes depend on individual circumstances and lender criteria.

Nicholas Clunes, founder of Levelhead Business Advisors

Who you deal with

A former business banker,on your side of the table.

Nick Clunes started at Greater Bank structuring lending for trusts, companies and multi-entity groups. He leads every engagement, with a team building the files behind him.

“Always calm under pressure and gets the job done.”

Rachael, commercial lending · Google review
  • State finalist · 2025Commercial and Equipment Finance BrokerMFAA Excellence Awards
  • State finalist · 2022Newcomer AwardMFAA Excellence Awards
  • 3 years runningGold Club EliteNectar Mortgages
  • FY23 to FY25Top 10 BrokerNectar Mortgages
As featured inAustralian BrokerMortgage Professional Australiaausbiz

Recognition for finance arranged by Nick through The Lending Lab and Andorra Private.

More about Nick

Want a straight read on your deal?

Bring the numbers you have. You’ll leave with a clear answer and a fee in writing.

Book a call with Nick
Industries we knowVeterinary and healthFood and restaurant franchisesSelf storageCarwashLandscaping and garden suppliesIndustrial and commercial property