01·Lenders
50+
Direct access to 50+ lenders
We bridge the gap between your business and major banks, credit unions, and specialised private lenders.
Learn more
Strategic commercial
finance, Melbourne.
Whether you are acquiring a trophy office, upgrading medical equipment, or securing working capital, our award-winning Melbourne commercial brokers provide the blueprints for your success. We handle the complexities so you can focus on leading your business.
- Access to 50+ commercial lenders
- Specialised medico rates from 6.14% p.a.
- No-deposit asset finance options
Response within 3-5 business days
01 / 04
Team Cutter & Co
20+ Years
Experience
Award-winning
Team
98%
Loan approvals
Tailored
Borrowing solutions
Strategic
Financial advice
Why Business Owners Trust Us
Award-winning, and
always on your side.
[ 01 ]
Hall of Fame
Bankwest Broker Awards · 2026
[ 03 ]
50+ lender network
Banks, credit unions & private lenders
[ 04 ]
20+
Years experience
Commercial lending in Melbourne
[ 05 ]
$0
No cost to you
We are paid by lenders, not by you
Analysis
Does this
sound familiar?
You need working capital but don't want to sacrifice equity or personal assets to fund your business.
You're navigating zoning, location, and fit-out for a commercial property and need clarity on the best loan options.
You're self-employed without two years of traditional tax returns and struggling with standard bank criteria.
[ 01 ] Scale with confidence
Business funding
that actually works.
We bridge the gap between your business and major banks, credit unions, and specialised private lenders. From working capital and asset finance to commercial property investment and business acquisitions, we simplify the process by reviewing the market and offering the best loan options to adapt to your evolving requirements.
Chantal Cutter
Founder & Strategic Director
Specialised Lending Pillars
Here's how
Cutter & Co helps.
Tailored commercial solutions for working capital, asset finance, and property investment.
[ 01 ]
Working capital & cash flow.
Ensuring you have access to liquidity for managing stock, purchasing inventory, and covering ongoing expenses at a competitive market rate.
[ 02 ]
Fixed asset financing.
Secure funding for software, hardware, commercial vehicles, fleets, specialised medical or industrial equipment, and office fit-outs.
[ 03 ]
Commercial property investment.
We simplify the process of navigating zoning, location, and fit-out by reviewing the market and offering the best loan options for your needs.
[ 02 ] Strategic reasons
Four reasons to choose
Cutter & Co for business.
From medico rates to low-doc solutions, we engineer commercial finance that works as hard as you do.
02·Medico
6.14%
Specialised medico rates
Doctors and medical professionals can access commercial property loans from 6.14% p.a. with up to 100% LVR.
Learn more
03·Assets
$0
No-deposit asset finance
Acquire vehicles, software, or machinery with $0 upfront deposit and interest-only options.
Learn more
04·Flex
Low Doc
Lease doc & low doc solutions
Flexible lending for self-employed directors who may not have two years of traditional tax returns.
Learn more
[ 03 ] Roadmap
Your roadmap to
lending success.
Six deliberate steps engineered around the way you actually live, earn, and plan.
- Step01
First strategy session – 15 minutes
Our team takes the time to understand your current financial position, future goals, and long-term objectives so we can provide the right lending strategy and guidance for you and your family - because the right strategy makes all the difference.
- Step02
Eligibility assessment
We conduct a comprehensive assessment of your financial position, goals, and lending needs to provide tailored recommendations based on current lender policies and market research. By considering your income structure, lending requirements, and available rate discounts, we help match you with the lender and loan solution best suited to your circumstances.
- Step03
Submission to the bank
We take the stress out of the lending process by managing everything on your behalf and working closely with the banks to ensure your application is assessed correctly from the start. Our team advocates for you behind the scenes to achieve the fastest possible pre-approval or formal approval turnaround, allowing you to focus on the exciting next steps with confidence and peace of mind.
- Step04
Pre-approval or approval
Our team has a strong background in credit assessment, giving us the expertise to structure applications strategically and achieve the best possible outcomes for our clients. By working closely with lender credit teams throughout the process, we help secure smooth approvals and faster turnaround times for you.
- Step05
Settlement
We make every stage of the process as seamless and stress-free as possible by providing a clear funding breakdown for your refinance or purchase, so you know exactly where you stand leading into settlement. We also manage the discharge process, coordinate with your solicitor or conveyancer, and handle the communication with the lender - allowing you to relax while we take care of everything behind the scenes until the moment we can say, “Congratulations, your loan has settled.”
- Step06
Ongoing support
You’ll be supported by a mortgage and finance firm built entirely around people, not numbers. Our focus is always client-first - guiding and supporting you through every stage of your journey, from exciting milestones to times of uncertainty. We’re here to help protect what matters most to your family while ensuring your lending remains competitive, with the best possible rates and solutions available to you at every stage of life.
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Award-winning team · Melbourne
The Cutter & Co team
Melbourne
[ 04 ] Your strategist
Your commercial growth,
backed by an award-winning team.
“From Pascoe Vale to the CBD, we are your partners in wealth creation. Business funding that actually works.”
2026
Hall of Fame
80+
5-Star reviews
MFAA
Accredited
Our Partners
Accredited Across 50+
Commercial Lenders
Google · 5.0
[ 05 ] Reviews
Client reviews on our commercial advice.
“Chantal and her team were professional, friendly, and incredibly helpful in securing our commercial finance. Their guidance on asset structure and communication throughout were excellent.”
Laura & Joey S
Verified Client
“The level of service, attention to detail and positive attitude has been consistent every time. If you're looking for a 5-star team that makes you feel like a valued client, look no further.”
Jean C
Verified Client
“Chantal and her team worked tirelessly to find the right commercial funding structure for our business expansion. We would highly recommend Cutter & Co.”
Nat & Damien B
Verified Client
“Truly outstanding. From the moment we made our initial enquiry they worked diligently to find a loan that met our needs their communication was exemplary.”
Measha & Dean A
Verified Client
[ 06 ] Essential answers
Questions business
owners
actually ask.
Short, honest answers to help you fund your business with confidence.
A bank can only offer its own products. A mortgage broker compares multiple lenders, policies, and loan structures to find an option that better suits your goals.
At Cutter & Co, we look beyond the rate. We help structure your application, manage the paperwork, liaise with lenders and solicitors, and guide you from strategy through to settlement. For clients with complex income, business income, ABN income, or long-term wealth goals, the right broker can make the process clearer, smoother, and more strategic.
Start Your Strategy TodayReady to lead
the market?
Tell us about your business goals. We'll come back at our earliest with a tailored commercial finance strategy Melbourne-only.
- Your data is secure never shared or sold.
- 20+ years helping Melbourne businesses grow.
- No cost to you. We're paid by lenders.
Step 1 of 3
What's your business goal?
Takes less than 60 seconds. No obligation to proceed.
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