Business loans for IT services businesses

Ardent Capital Group brings the same method to every client: execution and strategy, clear advice for smart lending, and long-term growth. That means the right lender, structure and timing, straight advice so you borrow with confidence, and today's deal built toward where you want to be tomorrow. We are specialists in helping business owners secure finance to purchase their own property, and we understand the complex structures that often sit around it, including multiple trusts, holding companies and self-managed super funds. Through that work we also understand what the business needs from its cash flow, and where an overdraft or line of credit fits for working capital. Most of the value in an IT services business sits in contracted, recurring revenue and a loyal client book rather than in plant a bank can see, so a generalist credit desk often reads the balance sheet and lends short of what the run rate supports. Our role is to know the bank and non-bank lenders, from our panel of more than sixty, that fund recurring-revenue and technology businesses on their contracted income, so you are not approaching each one yourself. We stay on well beyond settlement, growing the facility as you win contracts, onboard clients and acquire competitors. Every figure is subject to serviceability, lender appetite and approval.

It depends on how quickly you need it and what you are willing to offer as security. Unsecured facilities are assessed mainly on trading strength and recurring revenue, and can be arranged in days, which suits a limit of $100K to $500K. Secured facilities, backed by property or another business asset, support larger amounts and price differently, and make sense once you are funding an acquisition or a major expansion. Most established operators end up with a mix, and we shape which sits where.

Yes, and the equipment is normally the security rather than your property. Servers, laptops, networking and other kit can be funded new or refurbished through IT hardware finance, and broader gear through technology equipment finance. Terms are typically matched to the refresh cycle of the hardware, and established businesses can often be assessed on bank statements and BAS rather than full financials. Funding the kit this way keeps a large rollout off your overdraft, and dealer and vendor programs are available too, which we compare against a bank facility.

By funding the hardware and the labour ahead of the client invoice, so the project does not tie up your cash. A rollout often means buying servers, licences and kit weeks or months before the milestone bills, while payroll and cloud costs keep running. We size a facility to the project spend and the billing schedule, and set repayments to land as the client pays. Bring us the contract and the staging early, subject to serviceability and lender approval.

Yes. Many lenders assess established businesses on 6 to 12 months of bank statements and recent BAS rather than full year-end financials, which suits IT services firms whose accounts lag the current run rate. It works best where the trading account shows regular recurring receipts and the ATO position is current. If you have a payment plan in place, say so early, because several lenders will still proceed when it is disclosed and being met.

Yes. Buying a competitor or taking on their managed contracts is one of the most common reasons IT businesses come to us, and the value sits largely in the client book and the recurring revenue. We build the case around the combined run rate and retained-client assumptions, then place it with lenders that fund goodwill and contracted income. The structure can carry vendor terms or an earn-out, and a working capital line often sits alongside the term debt for the integration.

An unsecured facility can often be approved within 48 hours and funded inside a week where the business is established and the BAS and bank statements are current. Secured facilities take longer, typically two to four weeks, because a valuation is involved. The practical advice is to open the limit before you commit to the hires and licences a growth push needs, rather than once the costs are already landing. Timeframes are indicative and subject to lender appetite and approval.

Yes, and it is a commercial property deal rather than a working capital one. The structure and the loan-to-value ratio drive it, and your trading strength and recurring revenue support the serviceability. Owner-occupiers can generally borrow a higher proportion than a passive investor would. Our commercial property team handles these end to end through our professional services office property finance service.

Yes, and recurring revenue is a strength rather than a complication once the facility is built for it. The mistake is a lender sizing a limit to hard assets and missing the contracted income the business actually runs on. We size to your monthly recurring revenue and pipeline, and structure repayments to fall as the new contracts mature. Lenders that fund recurring-revenue businesses expect the profile and assess it on the run rate.

Most of the time, no. We are paid a commission by the lender once your facility settles. Where a deal requires significant preparation or involves unusual complexity, a small mandate fee may apply. We will always be upfront about this before any work begins.

Although we are based in Sydney, we service clients across all major Australian cities, including Melbourne, Perth, Brisbane, the Gold Coast, Adelaide, Canberra and Hobart, along with their surrounding regional areas. Wherever your business is located, we can arrange your finance.

Although our main speciality is property loans for business owners, such as an office property loan for your IT business, we also assist with IT hardware and equipment finance and working capital. On asset finance, that covers technology equipment finance for servers, hardware and office equipment. On working capital, we arrange business overdrafts, lines of credit and cash flow funding sized to your recurring revenue. We also arrange commercial mortgages if you are buying or refinancing the office you operate from.