Frequently Asked Questions
FAQs
Frequently Asked Business Owner Questions
Frequently Asked Questions
Running a business brings complex financial challenges, and you likely have questions about funding, debt and strategic planning. Here we address the most common concerns so you can make confident, informed decisions.
What types of loans can W Squared help my business secure?
We arrange a full suite of commercial lending solutions including working capital facilities, asset finance, commercial property loans, acquisition funding, and SMSF lending – tailored to your business structure and long-term goals.
How does W Squared’s advisory service differ from a regular bank?
Unlike a bank, we are lender-agnostic and design bespoke debt strategies across your business, personal, and family entities. We optimise structure, pricing, risk positioning, and lender selection—often where a single bank cannot meet all requirements.
Can you help with succession planning or ownership transitions?
Yes. We structure funding solutions to support ownership transfers, buy-ins, staged succession, and shareholder exits, while managing taxation, cash flow, and asset-protection considerations.
Do you only work with large businesses?
We support business owners at all stages, but our specialty is complex multi-entity groups, high-value transactions, and strategic debt structuring where experience and precision matter.
How quickly can W Squared secure funding for my business?
We streamline the process by positioning your application for fast credit approval, negotiating directly with major banks, non-banks, and private lenders to secure competitive terms without sacrificing structure.
Frequently Asked Medical Professional Questions
Still on the Fence? Let’s Clear It Up
If you’re a medical professional, chances are you’re too busy saving lives to waste time decoding bank jargon. Here’s everything you need to know about how we help you secure finance.
What makes W Squared different for medical professionals?
Each lender treats medical professionals differently. We understand the nuances – LMI waivers, higher LVR limits, pricing tiers, policy exceptions – and match you with the lender that provides the most favourable structure for your unique circumstances.
What types of medical professionals do you work with?
We support general practitioners, dentists, specialists, surgeons, and allied health professionals – across personal lending, practice acquisition, fit-out financing, and business expansion.
I don’t have time - how do you help with that?
We handle the entire process end-to-end so you can focus on patient care. This is why many high-value medical practitioners choose us – we save them significant time and cost.
Is refinancing worth it?
It depends on your situation. We only recommend refinancing when there is a clear benefit such as pricing improvement, structure optimisation, or debt strategy alignment.
Will this impact my personal wealth strategy?
When structured correctly, no. We design every loan to support both your practice and personal wealth objectives.
What are the lending benefits available to medical professionals?
Depending on lender, benefits may include LMI waivers, higher leverage (up to 95% without LMI), specialised pricing, and streamlined income assessment. We ensure you receive the best available combination of these advantages.
Frequently Asked Private Client Questions
What You Need to Know About Private Lending
When your wealth is complex, finance isn’t about a generic bank product; it’s about strategy. Here are straight answers to the questions successful families and individuals ask us most.
How are your fees structured?
We operate with full transparency. All fees are discussed and agreed upfront, tailored to the complexity and scope of your engagement.
How does the Private Office service benefit us?
Our Private Office provides treasury management, cash-yield optimisation, portfolio monitoring, and lender relationship management. We work closely with your accountant, lawyer, and wealth adviser to align financial strategy across your entire ecosystem. We only work with a select number of families to ensure dedicated attention.
What support can I expect after settlement?
We provide ongoing strategic oversight, including refinancing, restructuring, repricing reviews, and long-term planning as your needs evolve.
How do you protect my data and privacy?
We apply strict confidentiality protocols. Information is stored securely and shared only with relevant lenders or advisers with your explicit consent.
Take Control of Your Financial Future