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Trading Co + Security Co + Income Support

Multi-Entity
Business Loan Structure

Name: Mortgagefy
Address: Sydney, NSW, AU
Telephone: +61432634648
Price range: Free

By the Mortgagefy Team · Credit Rep 532656 of ACL 348324 · Published 2026-10-15 · Last reviewed 2026-10-15

Trading company borrower, security entity holding the property, income-support entity contributing cash flow — we structure the facility so the lender approves without requiring every related entity to give a corporate guarantee.

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Who this is for

Business owners whose financial structure runs across multiple entities — common for IT, consulting, medical and property-adjacent businesses.

Trading Pty Ltd company borrowing for working capital
Separate property-holding Pty Ltd or trust holding the security
Income-support entity with strong cash flow (not the borrower)
Multiple shareholders / directors across related entities
Family trust structure with corporate trustee
Shareholders drawing PAYG salary from the income-support entity

The real challenge

A common structure: Trading Co does the work, Security Co owns the premises, Income Support Co generates the big cash flow. The question lenders care about: how do they get recourse to the income if the trading company fails?

Three accepted paths. (1) Income Support Co becomes a corporate guarantor. (2) PAYG salary flows from Income Support to the directors personally — then serviceability runs off personal payslips. (3) Director distributions / dividends with 2+ years of consistent flow-through — accepted by alt-doc commercial lenders.

We've placed multi-entity structures many times. We know which path works for which lender.

How Mortgagefy helps

Structure mapping. We draw out your corporate map (trading / security / income support / trusts) and identify which servicing path works.
Lender matching. Specialist alt-doc commercial lenders routinely accept these structures. We know which ones.
Minimise guarantees. Where personal PAYG servicing covers the facility, we avoid forcing every entity into a corporate guarantee.
Honest preview. We tell you upfront whether the structure services on personal income alone, or whether the income-support entity needs to formally support.

Need to model repayments first? Try our Sydney home-loan calculators for an indicative figure.

How it works

Structure call

60-min walkthrough - all entities, directors, shareholdings, income flows, cash positions.

Servicing scenarios

We run two scenarios: personal income only vs with corporate guarantee from income-support entity.

Lender shortlist

2-3 lenders whose policy accepts the structure path we recommend.

Submission & settlement

Clean file assembled with each entity's role documented. Decision in 2-4 weeks for secured commercial.

Get a personalised answer in 2 minutes

Free, no obligation. We'll match you with the right lender for your situation.

Frequently asked questions

Why don't the big banks like multi-entity structures?

They can, but their servicing calc defaults to the direct borrower's income and often requires a corporate guarantee from any related entity whose income is relied on. Specialist alt-doc commercial lenders are more flexible.

Does my income support entity need to be a corporate guarantor?

Not always. If the directors receive strong PAYG salaries from the income support entity (with 2+ years of payslips), personal servicing often covers the facility and no corporate guarantee from the support entity is needed.

Can I avoid personal guarantees entirely?

Rarely for business loans. Directors almost always sign personal guarantees. For larger facilities with strong serviceability, we can sometimes negotiate limited or capped guarantees.

How is multi-entity income assessed?

Lenders look through the structure. Personal PAYG from any related entity counts. Director distributions and dividends count with 2 years of tax returns. Related-party rental income counts (shaded for risk). Loose cash in a company account doesn't count unless formally paid out.

Can the SMSF be part of the structure?

Yes - SMSF-owned business premises are common. The SMSF leases the property to the trading company at market rent (arm's-length). SMSF buying the property uses an LRBA structure separate from the trading company's borrowing.

What documents will I need?

ASIC extracts for every company, trust deeds, 2 years of tax returns per entity, 12 months of bank statements per entity, directors' personal tax returns and payslips, shareholder register.

Get your free multi-entity business finance assessment

Trading + security + income-support entities - mapped to the right lender. Minimum guarantees, honest serviceability.

Start Your Free Assessment Call 0432 634 648

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Information checked October 2026. This information is general in nature and does not take account of your personal objectives, financial situation or needs. Business, commercial and development finance eligibility, pricing and documentation varies by lender and changes frequently. Confirm current requirements with your chosen lender and seek professional advice before applying. Mortgagefy — Credit Representative 532656 of ACL 348324.

Multi-EntityBusiness Loan Structure