ABOUT
Fairlane Finance specialises in business ownership transitions, business acquisition finance, and commercial finance solutions that support SME growth and stability.
We help clients and professional advisers navigate the financial and structural complexities involved in:
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Buying a business or entering business ownership for the first time
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Structuring partnerships, buy-ins, or ownership transitions
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Develop commercial finance strategies to support the business thereafter
At the core of what we do is a belief that successful business ownership requires more than just financing.
It requires understanding the business, the transaction structure, the client's objectives, and how lenders assess the opportunity.
Josh Foo
PRINCIPAL |
COMMERCIAL FINANCE ADVISOR
WHO WE WORK WITH
At Fairlane Finance, we work with clients at important stages of their business ownership journey, where the right structure, timing and funding strategy can maximise the probability of success.
Our clients typically includes:
1️⃣ First-time business buyers
Individuals entering business ownership for the first time, including:
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SME acquisitions
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franchise purchases
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partial equity or partnership entries
2️⃣ Business owners and operators
Existing operators seeking to:
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grow or expand their business
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stabilise operations
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acquire additional locations or entities
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improve working capital or funding structure
3️⃣ Partnership and ownership transitions
Clients looking to:
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buy out a business partner or shareholder
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restructure ownership between existing stakeholders
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support staged exits or succession planning
4️⃣ Investors and strategic acquirers
Individuals or entities acquiring businesses as part of a broader portfolio or expansion strategy
Our clients engage us to understand if a transaction can be financed, and how it can be structured to align with real lending expectations.
Every engagement is confidential, practical, and tailored to the circumstances of the client, business, and transaction.
WHAT WE DO
Fairlane Finance provides commercial finance advisory for business owners, buyers and growing SMEs.
Our core focus areas include:
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Business Ownership & Acquisition Funding
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First-Time Business Buyer Finance
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Partnership Buy-In / Buy-Out Funding
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Growth and Expansion Capital
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Working Capital and Cashflow Solutions
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Asset and Equipment Finance
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Refinancing and Capital Restructuring
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Complex or Non-Standard Funding Structures
We focus on how the transaction needs to be structured for it to be fundable in the first place.
This includes assessing:
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Transaction structure
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Borrower capacity
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Business cash flow
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Available security
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Ownership and transition risk
Once the funding strategy is in place, we manage the lending process through to settlement, working closely with all parties involved.
Alongside our advisory work, we have developed the Business Acquisition Conversation Framework to assist our partners and other business advisors.
The Conversation Framework is a structured approach to help accountants, financial planners, and other advisors guide the discussion when their clients says...
"I want to buy a business. So, what do you think?"
Structure for every confident client conversation.
HOW TO PROCEED
Fairlane Finance is led by a Principal with 10+ years of experience across commercial finance and ownership transitions. We help clients structure funding solutions where timing, deal structure, and strategy matter as much as the numbers.
You deal directly with a senior adviser throughout the process, providing consistency, discretion and practical guidance.
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