For business owners and property investors
The reference rate, margin and fees are buried in your loan documents, often quite hard to find and translate. Aprio can, in under 10 minutes.
Start with a free 2-minute estimate. No documents needed.
Before anything else, the arithmetic. A small difference in margin adds up every year the facility runs, and most borrowers have never put a figure on it.
| Loan balance | 0.10% difference | 0.25% difference | 0.50% difference |
|---|---|---|---|
| $1,000,000 | $1,000 a year | $2,500 a year | $5,000 a year |
| $2,000,000 | $2,000 a year | $5,000 a year | $10,000 a year |
| $5,000,000 | $5,000 a year | $12,500 a year | $25,000 a year |
| $10,000,000 | $10,000 a year | $25,000 a year | $50,000 a year |
This is arithmetic on a drawn balance, not an estimate of what you are overpaying or what you would save. Whether there is any gap between your rate and the market is the thing Aprio helps you find out.
Before his 2026 renewal, one of our founders put his own facility through Aprio. It was 0.6% above the benchmark range, further right than this table goes. He took the figures to his bank and negotiated it down.
Whether it’s a single facility or several across a group of entities, written at different times and with different lenders, Aprio puts the whole picture in one place.
Every dollar saved on interest increases your return, yet the rate rarely gets checked. A lease expiry or rate rise can tighten your interest cover and LVR just as the loan comes up for review. When values and rents rise, the capacity for a new purchase often goes unnoticed.
With AprioEvery rate, lease and review date in one view, so you see the pressure points before your lender does, and understand the headroom for your next purchase.
Interest comes straight off your profit, yet unlike wages or suppliers, it rarely gets reviewed. A balloon payment or covenant test can land just as cash is tight. When trading is strong, the capacity to reduce interest or fund growth often goes unmeasured.
With AprioSee whether you could be paying less, get every balloon, expiry and covenant date flagged well ahead, and know how much you could fund next.
Land, operations and machinery are financed separately, often across family entities, while income moves with commodity markets and the season. You can’t tell whether your rate is competitive, or whether you could buy the neighbouring block when it comes up.
With AprioThe whole operation in one view, with every facility date flagged ahead. Know if your rate is competitive and whether the next block is within reach.
Facility agreements, leases, valuations and variations interpreted together, so you see the terms as they stand now rather than as they were signed. No more paying someone to re-read the agreement every time a question comes up.
Entities, assets, income and facilities all in one view, with everything Aprio extracts linked back to its source document. When the bank asks for something mid-review, you answer the same day.
Three-way financial models drafted in Excel, with forecasts and consolidated reporting across entities, so the next request does not start with your accountant building one from scratch.
Covenant reviews, rent reviews, lease expiries, maturities and balloon payments tracked and surfaced before they arrive. Seeing them early gives you time to plan your cash flow, line up finance and go into every conversation prepared.
01
Under 2 minutes
Answer a few questions about your loan, and Aprio benchmarks it against comparable facilities from the big four and other lenders to give you an indicative rate range.
Free, and no documents needed.
02
Under 10 minutes
Upload the documents you already have, and Aprio sets your benchmark range from your actual loans and financials. Everything Aprio extracts links back to its source document.
03
When you’re ready
Take the figures to your lender, with the points worth raising, or to a broker if your situation is complex or you want to change lenders.
Aprio keeps tracking your debt and dates from there.
What this is and isn't
No lender pays us, and we do not promote their products. The benchmark is expert judgement built from experience pricing Australian commercial facilities, set against Loan to Value Ratio (“LVR”), interest cover and debt to Earnings Before Interest Expense, Taxation Expense, Depreciation and Amortisation (“EBITDA”). It is not a quote and no lender is bound by it.
Your documents build your own records, encrypted and held in Australian data centres. They are never used to train AI models, and you can delete your data at any time. Nothing is shared with a lender or broker unless you choose to share it.How we handle security, governance and AI →
Aprio is not a broker and makes no lending decisions. You take the position to your own bank, or to a broker acting for you.
Everything Aprio shows you is general information about your own facilities. It is not financial advice, and it is not for consumer credit or home loans.
Commercial finance isn’t something to set and forget. Businesses put real effort into their P&L, and plenty of time and money goes into managing tax. Yet interest expense, the line between operating profit and tax, often gets no proactive management at all.
Aprio began from a frustration our founders had as borrowers. We didn’t always know whether our debt was competitively priced, when the next review was due or when covenants needed reporting. Working in banking and broking, we also saw that borrowers needed ongoing care they often didn’t get, because keeping track of it all came down to manual spreadsheets.
So we built Aprio. It brings every facility into one view, tied to your assets and income, so your debt gets the same attention as every other material line on the P&L. Understand it, pay less for it, and use it to grow.
Co-founder
Darren and his wife have had commercial debt since she bought her business in 2004, and they have since added property interests to the mix. He spent 13 years in corporate and business banking with one of the big four banks, so he knows how lenders price loans, assess credit and set terms. Since 2014 he has used that knowledge as an independent broker. Darren brings that experience as a borrower, banker and broker to Aprio.
Co-founder
Paul has spent seven years in finance and debt advisory, specialising in commercial broking since 2021. He works mainly with property investors and trading businesses. He knows where a broker’s time actually goes: the same numbers rebuilt for every submission, the file pieced together again before every review. That’s time that should go into looking after borrowers, and he shapes Aprio around giving it back. Paul brings that experience from the broker’s side of the desk to Aprio.
Co-founder
Lachlan has spent more than 25 years in technology. He founded and grew CRM consultancy Bright Blue Solutions before selling it to a public company. He then spent seven years at Microsoft, the last five as a Data and AI Specialist. He also owns commercial property, and has carried the debt that comes with it since 2014. Lachlan brings that experience as a founder, technologist and borrower to Aprio.
Nine questions, under two minutes, no documents required. Free.
