We speak your language – specialists in commercial, business, and investment lending, not generalists.
Our mission is to make commercial lending easy. We are the finance destination for business owners and investors. We don’t just want to know your EBITDA, or yield, we want to understand your story and where you’re wanting to go.
We want to learn about you and your business and/or investments. Book an obligation free appointment so we can understand what your goals are.
We'll gather appropriate information to determine your borrowing power and ensure you have the right solution in market.
Because we're specialists, we have a broader access to lenders. We'll compare and provide a recommendation in line with your loan preferences and goals.
Once we've discussed options, we'll formally apply with your preferred lender.
Once approval is issued, we will most likely be required to satisfy a number of conditions prior to funds being advanced. Once all documents are executed, we proceed to settlement and advance funds.
We endeavour to check in with you annually and support you throughout your finance journey.
Our name, Mecca Finance, reflects our commitment to being the trusted partner for business owners and investors at every stage of their finance journey. We provide tailored financial solutions that support growth, opportunity, and long-term success. With deep expertise and a client-first approach, we simplify complexity and deliver a seamless, empowering experience.
We act as trusted partner, providing expert advice, comprehensive solutions, and unwavering commitment to your financial success.
Led by Richele Janjatovic, an industry leader, alongside Lisa Tarleton – Senior Finance Broker. Richele and Lisa have combined experience of over 31 years of commercial banking experience.
Founder and Director
With a career in financial services spanning over 18 years, Richele began in commercial banking with ANZ in 2007, where she gained deep experience supporting business clients. From 2019 to 2023, she worked with AFG, further strengthening my expertise in the broking industry. In 2023, Richele founded Mecca Finance to bring a more strategic, client-focused approach to supporting business owners and investors. Richele holds a Bachelor of Business (Accounting), a Diploma in Finance and Mortgage Broking, and a Graduate Diploma in Business Administration from Melbourne Business School.
Senior Finance Broker
Lisa is a seasoned finance professional with over 13 years at ANZ, where she led high-performing teams and specialised in commercial lending, credit analysis, SME banking, and agribusiness. Her deep industry knowledge is complemented by hands-on experience as a former CEO of her own business, giving her a unique perspective on the challenges business owners face. Lisa holds a Bachelor of Commerce from Deakin University and is known for her leadership, strategic insight, and dedication to delivering tailored financial solutions that drive real outcomes.
Get expert advice today
Investing in commercial property requires the right finance strategy. Whether you’re purchasing as an owner-occupier or as an investor, Mecca Finance provides tailored solutions to help you secure funding with competitive rates and flexible terms. We work with a range of lenders to structure finance that aligns with your investment goals.
Secure the funding you need to grow your business
Acquiring a business or executing a management buyout is a complex financial move. At Mecca Finance, we navigate you through the process, ensuring you understand your borrowing capacity, lender requirements, and structuring options. Whether it’s a franchise, SME, or large-scale acquisition, we provide funding solutions tailored to your needs.
Limited Recourse Borrowing Arrangement
Looking to invest in property using your Self-Managed Super Fund (SMSF)? Our team specialises in Limited Recourse Borrowing Arrangements that comply with regulatory requirements while maximising your investment potential. We simplify the process, ensuring your SMSF loan aligns with your long-term financial strategy.
Get the right funding for your construction project
Whether you’re developing a multi-unit project, or undertaking a commercial development, we structure finance solutions tailored to your project’s feasibility and cash flow. We assist with financing at every stage, from land acquisition to construction completion.
Get a home loan that works for you
As a business owner, securing a home loan can be challenging. At Mecca Finance, we specialise in helping self-employed individuals access home finance with tailored solutions that consider alternative income verification methods.
Grow your business with tailored asset finance solutions
Need funding for vehicles, equipment, machinery or for fit-out? Our asset finance solutions help businesses acquire essential assets while preserving cash flow. We’ll structure the right finance package for your needs.
Boost your cash flow with the right finance solution
Managing cash flow is critical to business success. Our working capital finance solutions provide access to funds when you need them most, ensuring you can cover operational expenses, expand, or seize new opportunities.
Talk to our experts today – Let’s make your finance work for you!
The amount you can borrow depends on several factors, including:
For commercial property loans, most lenders offer up to 70-80% LVR. For business loans, borrowing capacity depends on your revenue, EBITDA, leverage, cash flow, and security provided.
Most lenders require:
For business applicants, alternative verification methods (like BAS statements or accountant declarations) may be available.
Lenders may accept:
Some loans (like unsecured working capital loans) don’t require landed security but may come with higher interest rates.
The approval process varies by lender and loan type, but below is a guide:
To speed up approval, it’s important to have all required documents ready and work with a commercial finance specialist like Mecca Finance to navigate lender requirements.
Need expert guidance? Contact us today to get the best commercial finance solution for your business or investment!