Business Finance

With more than thirty years of experience financing more than $3 billion dollars in buildings, land and equipment across the country, we know business.

Morgan Brooks Carlson is a boutique finance company, providing structured business finance and capital for SMEs across Australia. We're proud of the fact that many of our clients have been with us for more than twenty years - and referring our newer clients.

We’re focussed on finance solutions for what you want to achieve, now and in the future. Our superpower is “simplexity” – we simplify the complex world of equity and debt finance for business and business people. We often do the impossible - we just make it look easy, with integrity and discretion. In today’s highly dynamic business environment, we build long-term advisory relationships to assist with long-term financing needs, while being prepared for the sudden and unexpected.

Our experience has given us a deep understanding of the challenges that businesses face day to day and how to craft finance solutions to suit immediate needs as well as the long-term business strategy. We work closely with your current advisory network in legal, accounting, planning, design, etc, to maximise the value of this combined support.

We also understand the need for speed and timeliness. Business doesn't stand still; needs can be urgent; opportunities can be fleeting; and the time pressure for finance solutions can be crushing. We work business hours and beyond - we're available when you do business.

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Finance Options

As finance solutions evolve, finance product choices can vary greatly and often the solution can be a combination of options.

It’s important that the right solution satisfies short-term business needs while integrating with a longer-term financing strategy.

Commercial Loans
Development Finance
Investment/Owner Occupied
Growth Capital Solutions
Acquisition Funding
Asset Based Lending
Residential Mortgages
Personal Financing

Property Finance
Refinance/Purchase
Bridging Loans
Working Capital Solutions
Equipment Finance
Motor Vehicle Leasing
Heavy Equipment Leasing
Low Doc Loans

Subject to lending criteria, we can provide a range of finance facilities and instruments to suit almost every situation - for example development funding from $1m to $100m with terms possible from 2 months to 20 years. As finance solutions evolve, the options can vary greatly, and the solution is often an innovative combination.

Personal Finance

Business finance and personal finance are often interconnected and we provide a full range of personal finance options to our business clients to maximise their overall investment potential and keep duplication of documentation and expense to a minimum. This includes executive mortgages and leasing, as well as opportunities to support immediate family members.

Funding Options

We deal with a wide range funding entities from the high profile “big banks” to the less well known but extremely efficient non-bank lenders. The banks often take a more conservative view of business lending with their application process and time required designed to provide significant detail to allow for a more forensic risk assessment. Non-bank lenders still require minimum levels of documentation, however their pricing allows for a higher risk profile. Having a wider set of funding options allows for solutions more suited to a wider set of individual circumstances. We also consider a wide range of funding instruments to achieve the required outcome. As with the finance options above, it is not unusual to combine several funding options to achieve the desired overall outcome.

Main Bank Lenders

Morgan Brooks Carlson is directly accredited with Tier One and Tier Two main bank lenders and facilitates the extensive loan application process required for business loans. Many of our clients take advantage of the benefits with main bank lenders, particularly loan margins. However these need to be factored against the time and cost of annual to triennial reviews, and the potential for sudden or unexpected refinancing as a result.

Non Bank Lenders

We have an extensive panel of Non Bank Lenders that we work with regularly. These are essentially investment funds that source funding from a range of entities including merchant banks, superannuation funds, private equity and high net worth individuals. These funds are still governed by federal legislation, however they are often structured for additional risk that allows business to access funding at a lower hurdle than the normal risk profile of the main bank lenders.

Lo-Doc Loans

Client circumstances or business timing around financing requirements can mean that normal accounting and support documentation is incomplete or unavailable. Lo-Doc loans provide an opportunity to consider business finance with a lower documentation threshold and adjusted risk premium.

Grand Hyatt, Melbourne

An elegant finance solution to develop one of Melbourne's most elegant hotels.

Past Projects

Across the country we’ve arranged more than $3 billion dollars in business financing for investment, development, construction, specialist equipment, vehicles and executive homes etc.

Some of these projects have become icons, such as Hamilton Island, Grand Hyatt Melbourne and 101 Collins St. Most, however, have simply been powering business growth in a wide range of industries from construction to agriculture, tourism to transport, and mining to medical - trades, professions, products and services.

Recent Finance Activity...

Tourism

Financing tourism has been a constant in our business for more that thirty years with recent activity in wellness resorts, transport upgrades, accommodation expansion, and new nature-based experiences.

Pharmacies

The cyclical change in bank loan portfolios has seen a recent increase in refinancing and restructuring, with some expansion into new retail models to meet the evolving market.

Clients

"Our solicitor first introduced us to MBC and their commercial mortgage people seven years ago. My husband and I had purchased a strata titled office with several friends and work colleagues and we were in the market for a better deal than our bank was then providing. MBC quickly identified a second tier bank offering set and forget 25 year commercial mortgage loans, a pleasant alternative to annual financial reviews and the inherent stress of a potential revaluation at any time. It wasn’t an easy process, several of the owners were retired and our tax returns weren’t up to date. Nevertheless, we got our approval and have been extremely pleased with the ongoing help and assistance that MBC have provided since."

Margaret (Sydney, NSW)

In an industry built on credibility, respect, relationships and results, it is our clients' individual experiences in their own words, that best reflect on how we do business.

Our clients are our business and mutual success is at the centre of our longevity. The business and personal circumstances of our clients, their businesses, and their industries are all different. Our existing clients know we understand different - we do different.

Over time, business, individual and even family circumstances can change and we work with our clients to adjust and calibrate their financing to meet and even take advantage of both opportunities and challenges.

Many of our clients were introduced to us by their trusted advisors such as accountants, lawyers, corporate consultants, funders and insolvency practitioners, often the client’s first port of call when it comes to starting a conversation about their business financing circumstances. Solution focussed collaboration as well as open and transparent communication with these advisors is an essential part of how we operate.

About Us

Morgan Brooks Carlson was established in its original form in 1999 by the award winning Morgan Brooks. After her early experiences working in military intelligence, Morgan forged a career as a finance industry leader and innovator, while building a national business and industry recognition. Today, Morgan Brooks Carlson provides clients with a specialised focus on more complex and challenging business finance solutions in an increasingly dynamic environment.

Morgan Brooks Carlson is wholly owned by the directors and values the integrity this independance provides.

Morgan Brooks Carlson brings together a broad range of expertise and experience with private and public companies, to deliver solutions aligned to today’s business opportunities. In finance, this includes the full spectrum of corporate and business financing involving broad funding sources and the unique use of funding instruments.

We build collaborations with funding partners and professional firms that are solution focussed and with proven values such as integrity and discretion. Our partner network is important to us and we proudly work with a range of strategic partners and professionals across the country, depending on the client circumstances and the financing purpose.

Important Information

In the interest of a stronger finance industry and protection for borrowers, Federal Government legislation requires a range of finance activities to be licenced and those licence details to be displayed in all communication.

Below are our details and to maintain the integrity of the finance industry, we recommend that those looking for finance solutions use the Federal Government web sites to check the credentials of ourselves, our competitors, as well as associated professionals, to ensure you are dealing with an appropriately licenced entity.

These are mandatory credentials - ask for them.

Government required credentials:

Morgan Brooks Carlson Group

Morgan & Brooks Pty Limited

ABN 87 616 070 761 ACN 616 070 761
ASIC Australian Credit Licence 494233
ASIC Credit Representative Number 570689
Ashleigh Morgan Pty Limited

ABN 78 641 814 001
Morgan Brooks Carlson Pty Limited

ABN 94 435 702 093 ACN 674 293 273

Morgan Brooks Carlson is committed to the development of a strong and innovative finance industry. We are members of the relevant industry associations including Mortgage and Finance Association of Australia.

Please note: Morgan Brooks Carlson Pty Ltd, associated entities and/or representatives, do not provide financial and/or legal advice. Independent advice should always be sort from appropriately qualified accountants, lawyers and/or other relevant advisors. All financing is subject to a range of lending criteria and no direct or indirect approval is implied here.

Scam Watch: Out of an abundance of caution, we ask that before making any payments to us, please verify all bank details by contacting our office directly as we accept no liability for funds transferred without such verification. 08082025MBPL

We acknowledge the Traditional Custodians of the country where the Morgan Brooks Carlson Group operates, and pay our respects to their Elders, past, present and emerging.

Important Information

When is the best time?

"When is the best time to build a lender relationship?" The answer is "before you need one", according to this great article by Newport Hospitality Group in Hospitalitynet.org. They sum it up this way: "Any management team can slash a budget to make a spreadsheet look better in the short term. Creating sustained value is much harder. It requires an owner willing to reinvest, an operator who can execute the business plan, and a lender who understands both the asset and the str

Talk about complex...

Celebrating another settlement today with finance for business, buildings, and development plus put/call options in specialised industry, all in one very professional package. Congratulations Morgan Brooks for another very happy client!

Top Ten Benefits of Asset Finance

Asset finance is widely used by businesses because it lets them acquire equipment, vehicles, or machinery without tying up large amounts of capital. Here are the Top 10 practical benefits. 1. Preserves Cash Flow Instead of paying the full purchase price upfront, the cost is spread over monthly repayments. This keeps working capital available for: wages marketing inventory growth opportunities For most businesses, cash flow flexibility is the biggest advantage. 2. Access to Be

Background Info

The material here is broader than just finance and covers a range of industries. The views expressed in the material are not necessarily those of management, however they are intended as an alternative viewpoint to provide clients with knowledge and insights that may be useful or generate new ideas.

Important Information

Morgan Brooks Carlson Pty Ltd, associated entities, and/or representatives, do not provide financial and/or legal advice. Independent advice should always be sort from appropriately qualified accountants, lawyers and/or other relevant advisors.

Morgan & Brooks Pty Limited ACN 616 070 761 ABN 87 616 070 761 ASIC Australian Credit Licence 494233

ASIC Credit Representative Number 570689
Full Member MFAA and AFCA

Ashleigh Morgan Pty Limited ACN 086 173 462 ABN 78 641 814 001 Morgan Brooks Carlson Pty Limited ACN 674 293 273 ABN 94 435 702 093