Broker Codex

JB Fremy

JBF Solutions

I help Brisbane homeowners, property investors and business owners find finance that fits their goals, not just the lender’s checklist. With experience across finance, operations and business management, I understand the story behind the numbers and structure each application to give clients a stronger path forward.

I bring more than 20 years of experience across finance, business operations, technology and management. This background allows me to look beyond the application form and understand the broader financial position, objectives and practical challenges behind each client’s request. I work with homeowners, first home buyers, property investors, self-employed clients and business owners seeking home loans, refinancing, investment finance, commercial lending, asset finance or funding for business growth. I am particularly well suited to clients with more complex income, business structures or financial circumstances that require careful explanation and a well-prepared lender submission. My approach starts with understanding what the client is trying to achieve, rather than immediately recommending a product. I assess the numbers, identify potential issues early and compare suitable options across a broad panel of lenders. Where appropriate, I also help clients strengthen their financial position and prepare the supporting information lenders need to make an informed decision. What makes my approach different is the combination of finance broking and real-world business experience. I understand cashflow, financial statements, operational pressures and the realities of running a business. This helps me structure finance that supports the client’s longer-term goals, not simply secure an approval. Based in Brisbane, I assist clients across Australia and can provide the entire service in either English or French.
  • Business Finance
  • Bridging Finance
  • Refinancing
  • Low Doc Loans
  • Commercial Property
  • Self-Employed
  • Medical Professionals
  • Investment Property
  • Construction Loans
  • SMSF Lending

Camp Hill, QLD

Qualifications

  • Diploma of Finance and Mortgage Broking Management
  • SME Advantage

Memberships

  • MFAA
  • FBAA

Credit Representative: 569423

Verified by Codex

If my business is profitable, why is cashflow still tight or my loan application unsuccessful?
Profit and cashflow are not the same thing. A business can show a healthy profit while cash remains tied up in unpaid invoices, inventory, work in progress, GST, PAYG, superannuation, tax liabilities or owner drawings. Lenders generally focus on verified income, bank statements, tax returns and the business’s ability to meet repayments. They may place less weight on projected income or management accounts showing work that has not yet been paid. Before applying, it helps to prepare a 13-week cashflow forecast that includes tax, superannuation, existing debts and proposed loan repayments. You should also understand your debtor days, major outstanding invoices and how much cash is tied up in stock or work in progress. I can review the business’s cashflow position, identify issues that may concern lenders and help present the application more clearly.
Will taking business debt or using my home as security affect my personal borrowing capacity?
It can. Business debt, personal guarantees, equity releases and loans secured against residential property may affect your ability to purchase, refinance or borrow against your home later. Lenders usually assess both the business’s ability to service the debt and the household’s personal income, living expenses and existing liabilities. The way a loan is structured, reported and secured can also influence how another lender treats it in a future application. Before proceeding, it is important to understand how the proposed debt may affect your personal borrowing capacity and whether your household could continue meeting repayments if business income fell or interest rates increased. I can help you compare different structures and consider the impact on both your business and personal financial position before you commit.
Are problems in my financial records or business structure making me look risky to lenders?
Possibly, but many issues can be addressed with preparation and a clear explanation. Lenders commonly become cautious when they see late tax lodgements, inconsistent financial statements, large director loan balances, personal expenses paid through the business or recent changes in business structure. A change from sole trader to company or trust can also create challenges if there is not yet enough financial history under the new structure. Before applying, it helps to have current tax returns and financial statements, clear separation between personal and business spending, consistent bank statements and a simple explanation of any unusual events. Some specialist lenders may consider applications with limited history or past issues, although this may involve a higher rate, shorter term, additional security or stricter conditions. I can review the position early, identify potential concerns and help determine whether the business is ready to apply or would benefit from further preparation.
How transparent should I be with my finance or mortgage broker?
Completely transparent. Your broker can only provide suitable recommendations and accurately assess your options when they understand your full financial position. This includes disclosing existing debts, credit cards, buy now pay later accounts, tax liabilities, missed repayments, credit issues, personal guarantees, business commitments, changes to income and any planned changes such as starting a business, changing jobs or expanding your family. It is better to raise a concern early than have it discovered by a lender during the application. Unexpected information can delay an assessment, reduce your lender options or result in an application being declined. My role is not to judge your circumstances. It is to understand them, identify potential issues and determine the most appropriate way forward. The more open you are from the beginning, the better I can protect your application, set realistic expectations and recommend finance suited to your situation.