Finance for people whose story needs to be properly understood
Finance Story is a Melbourne based finance brokerage helping business owners, SMSF investors, self-employed borrowers, commercial property buyers and complex income clients structure lending options clearly before the application is submitted.
Founded by Shane Duffy, Finance Story combines mortgage and finance broking with real commercial experience. The focus is not just finding a lender, it is about understanding the purpose of the finance, the borrower’s position, the documentation, the risks and the story a lender needs to see.
Who Finance Story helps
Finance Story is a Melbourne-based specialist finance brokerage, working with clients across Australia. The business helps borrowers with home loans, commercial property loans, SMSF lending, business finance, equipment finance and complex lending scenarios where the application needs to be structured and explained clearly.
A different way to approach finance
Most lending decisions are not just about the interest rate.
The lender wants to understand the borrower, the income, the security, the deposit, the purpose of the loan, the repayment position and the risk. When the borrower is self-employed, buying commercial property, using an SMSF, acquiring a business or relying on complex income, the story behind the application matters.
The borrower
Income, employment, business structure and repayment position.
The purpose
What the finance is for and how it fits the bigger picture.
Which lenders are more likely to understand the application and why.
Before recommending a lender, we work through what you are trying to achieve, what information will matter, where the likely approval issues may sit and how the application should be structured.
The lender fit
About Shane Duffy
Shane Duffy founded Finance Story after more than 25 years working across manufacturing, supply chain, operations, IT, consulting and business improvement.
Before becoming a finance broker, Shane worked with large Australian and global businesses on complex operational and capital projects. That background shaped the way he looks at lending. A loan is not just a product. It is part of a broader decision about cashflow, risk, growth, security and timing.
That commercial experience is especially valuable for business owners, self-employed borrowers and investors whose situation does not always fit a standard bank checklist.
Shane holds a Bachelor of Engineering in Manufacturing Engineering and a Diploma of Finance and Mortgage Broking.
Founder, Finance Story
25+ years commercial experience
Bachelor of Engineering in Manufacturing Engineering
Diploma of Finance and Mortgage Broking
Why the lending story matters
A strong application needs more than numbers on a form.
It needs to explain why the finance is required, how the borrower will repay it, what security is being offered, what documentation supports the position and why the lender should be comfortable with the risk.
That is where Finance Story helps.
We help translate complex lending situations into a clear structure that lenders can assess. That may involve comparing bank, non-bank and specialist lender options, identifying documentation gaps, testing the borrower’s position early and making sure the application is structured properly before it is submitted.
Who Finance Story helps
Finance Story works with clients who want practical lending guidance before they commit to a purchase, refinance or application.
Business owners
Finance for working capital, growth, equipment, commercial property, business purchases and more complex business lending needs.
Home loan and investment loan options for borrowers whose income does not always fit a standard PAYG assessment.
Self-employed
Commercial property
Commercial lending for owner-occupied and investment properties, including applications that need a clear explanation of the asset, lease, income and repayment position.
Complex borrowers
Support for borrowers with multiple income sources, investment structures, recent business changes or scenarios that need more than a basic rate comparison.
Loan options for Australians overseas, returning expats and borrowers with foreign income or overseas-linked circumstances.
Expats
SMSF investers
Lending for SMSF property purchases where structure, compliance, liquidity and lender policy all need to be considered.
Who Finance Story helps
Finance Story works with clients who want practical lending guidance before they commit to a purchase, refinance or application.
why choose us
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We absolutely understand business 100%. We work with you in an ongoing relationship to get you the best results for your plans.
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With a comprehensive panel of lenders across mainstream banks, private lenders and angel investors, we have you covered in every aspect.
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Our lenders enjoy working with us as we are smart, professional and we totally and unequivocally understand business. Your business.
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We take pride in our valued working relationships, sometimes over years to work with pivoted ideas and aspirations. We value you.