Frequently Asked Questions

Our role extends beyond simply sourcing finance—we act as strategic advisors, ensuring you secure the right funding solution that aligns with your business objectives.

We begin by gaining a deep understanding of your financial position, business story, and immediate borrowing requirements. From there, we structure a compelling funding proposal, leveraging our industry expertise and lender relationships to present your opportunity effectively.

Our approach follows a competitive tender-style process, where we engage with a curated selection of lenders to gauge appetite, pricing, and terms. Based on initial feedback, we refine the approach and submit a formal application to shortlisted funders, who undertake credit assessments and provide preliminary offers.

Once we present these offers, we guide you through the selection process, ensuring transparency and alignment with your strategic needs. Upon finalising the preferred funding option, we facilitate introductions to the lender, negotiate final terms, and assist in managing the transaction through to settlement.

By combining deep market insights, a rigorous funding process, and strong lender relationships, we maximise competition among financiers, delivering optimal funding outcomes with efficiency and confidence.

At McLellan Finance, our commitment to clients extends well beyond deal completion. We maintain an ongoing relationship through quarterly on-site meetings, ensuring we continuously refine our understanding of your business, goals, and management approach. Acting as a strategic sounding board, we provide insights and guidance on early-stage ideas, helping you plan and position your business for future opportunities. Our proactive engagement ensures you remain abreast of the changing pulse of the finance industry and are well-prepared for your next move.

Commission from lenders – In most cases, we are paid directly by the bank when a loan is successfully settled. This includes an upfront commission based on a percentage of the loan amount, as well as an ongoing trailing commission for the life of the loan. This structure means our service is typically at no direct cost to you.

Advisory or success fees – In certain cases, we may charge an advisory fee, which could be a fixed amount, an hourly rate, or a success fee based on a proportion of the benefit received. These scenarios are less common and will always be discussed and agreed upon with you upfront.

At McLellan Finance, we offer more than straightforward transaction structuring and negotiating competitive financing solutions—we provide strategic advantages that enhance your financial position over the long term:

• Greater Market Access & Leverage: With McLellan Finance by your side, you retain ongoing access to multiple banks, not just the one that provided your initial deal. My industry relationships keep you informed of market shifts, ensuring your financing remains competitive.
• Expert Advocacy & Strategic Guidance: I provide insights on deal structures and lender appetites before proposals are submitted. With banks frequently adjusting their lending preferences, I help you navigate these changes and capitalize on new opportunities.
• Consistent & Dedicated Support: One of the biggest frustrations in banking is changing relationship managers. At McLellan Finance, you have a single, dedicated point of contact who understands your business and remains with you throughout your journey—so you only need to tell your story once.

By working with McLellan Finance, you gain a trusted partner dedicated to securing the best financial outcomes for your business while providing valuable insights and strategic guidance along the way.