Financing business equipment while keeping cash available
Should you pay cash or finance that new ute or machine? Some practical things to weigh up before you decide.
Mortgage & finance broker · Adelaide & the Fleurieu
Your home. Your business. Finance that fits.
Straightforward mortgage and finance guidance for first home buyers, homeowners and business owners — with a special understanding of self-employed lending.
Talk directly with Moss — a local broker who's run his own business.
Moss McEwenMortgage & finance broker · Bay Finance Co
Where would you like to start?
Meet your broker
G'day, I'm Moss.
Before I became a broker, I spent around 18 years owning and running businesses — including roughly 15 years behind the counter (and in the kitchen) at Cockles Café. I know what it's like when income goes up and down with the seasons, when cash flow is tight, and when a decision for the business is also a decision for the family. These days I put that experience to work helping people find finance that fits their life.
My approach is simple: understand what you want to achieve first, then explore the finance options that genuinely suit — and explain them clearly so you can make a confident decision.
When I'm not working, you'll find me surfing, fishing or spending time with my family around the Fleurieu.
More about MossMy specialty
Self-employed? I speak your language.
Running a business changes how lenders look at you. Income can move around from year to year, your tax return might not reflect how the business is really tracking, and your personal and business finances are often tied together.
“Your tax return doesn't always tell the whole story. I take the time to understand your business and explore how suitable lenders may assess your income.”— Moss McEwen
- Home loans, refinancing and investment loans for business owners
- Help with variable income and understanding how your financials may be read
- Business purchase, commercial property, vehicle and equipment finance
- Cash flow funding options for eligible businesses
We talk about your business
How it earns, how it's structured and where it's heading.
We look at your numbers together
Tax returns, financials and the story behind them.
We explore suitable lenders
Options are explained in plain English, with the reasons behind them.
How I can help
Finance for home, business and everything in between
Whether it's your first home, your next move or the next step for your business, we'll start with what you want to achieve.
Specialty
Self-employed lending
Home, investment and business finance for people who run their own show.
Learn moreHow working with me works
Five simple steps, one friendly guide
Start with a conversation
We discuss your goals and circumstances.
Understand the numbers
We review income, commitments and relevant documents.
Explore suitable options
I explain the options and the reasons behind my recommendation.
Manage the application
I guide you through the paperwork and lender requirements.
Settlement and beyond
Next steps, and reviews as your needs change.
Kind words
What clients say
★★★★★
“Working with Moss was such an easy process from start to finish. As first home buyers we knew very little about applying for a loan, but found the process super simple with Moss as our broker. He was extremely knowledgeable and was great at explaining things. He was always very easy to contact and managed to get us finance in a short time frame. We would definitely work with him in the future.”
★★★★★
“We recently went through the process of purchasing a new car. Moss was brilliant. From advice up-front while we were considering options to delivering the finance, everything was easy.
Moss took care of everything in a highly professional manner. If you need friendly finance for anything - even if you are only considering whether it might work for you, chat to Moss - he certainly saved us some money too. I absolutely recommend him!”
★★★★★
“A pleasure to work with Moss. He makes the whole process very simple and efficient. A clear communicator who works hard to ensure great outcomes. He has access to great products and rates and I was very satisfied with the deal be obtained for me.”
From the blog
Plain-English reads
What first home buyers should understand before making an offer
Before you put in an offer on your first home, make sure you understand your budget, pre-approval, contract conditions and costs.
Improve, don't move: exploring finance for a renovation
Love your area but outgrown your home? Here are some ways people finance renovations, and what to think about first.
Ready when you are
Whether you're months away or ready to go, a quick chat is the best place to start. A coffee in Adelaide or on the Fleurieu, a phone call or a video chat from anywhere in Australia — whatever suits you.