Finance By Design,Not By Chance
TransformBiz partners with business owners, sophisticated investors, and professionals to strategise, structure, and unlock growth — coordinating expert advice end to end.
Investment property finance, business and commercial lending, acquisition funding and trust or company loan structuring for clients across Australia.
Above all — we are in the business of problem solving. If it touches money, structure or growth, bring it to us.
Two tools we built ourselves — nothing else on the market puts these numbers in your hands.
Portfolio Hub
Months in the making — your entire portfolio, live in one place. Valuations, growth, usable equity and full credit assessments, so your next move is planned on today's numbers.
Live
Valuations
1
Portfolio View
24/7
Access
Deal Room
Thirteen different ways to pull a deal apart — and the one number that matters: your best buy price and smartest ask price, before you sign anything.
13
Analysis Modes
2
Price Verdicts
Mins
Not Weeks
Numbers That Anchor The Work
Lenders On Panel
Major, Second-Tier And Specialist
Years Of Combined Experience
Across Finance And Advisory
Clients Served
Owners, Investors, Professionals
Value Created
Delivered Across Client Engagements
Transactions Completed
Lending, M&A And Advisory Deals
Loans Underwritten
Across Resi, Commercial And SMSF
We Built The Two Tools
Our Clients Could Not Buy
Most people plan their next move on last year's statements and a gut feel on price. Our clients don't. Portfolio Hub keeps your position live, and the Deal Room tells you what a deal is actually worth — before you sign anything.
Client Portal
Portfolio Hub
Every property, loan and entity in one live view — valuations, growth, usable equity and full credit assessments.
Explore Portfolio HubDeal Analysis Engine
Deal Room
Thirteen ways to pull a deal apart, ending in two numbers: your best buy price and your smartest ask price.
Open The Deal Room13
Deal analysis engines running on every opportunity
Live
Valuations, growth and usable equity across the portfolio
Minutes
From raw numbers to a buy price you can act on
Private
Client-only access, built and run in-house by TransformBiz
20+
Years Of Global
Finance & Advisory Experience
F100 → SME
Range Of Clients Served
Across Scales
PwC · Deloitte · Protiviti
Executive Pedigree Behind
Every Engagement
End-To-End
Strategy, Structuring, And
Coordinated Execution
What We Actually Do
We Are In The Business Of Problem Solving
Lending, structuring, capital, property, M&A — those are just the instruments. The product is a solved problem. If it touches money, structure or growth, bring it to us.
01 · Diagnose
We Find The Real Problem
Most finance problems aren't finance problems. We dig past the symptom — the declined loan, the stalled deal, the cash squeeze — to the structure underneath it.
02 · Structure
We Design The Solution
Entities, lenders, capital, timing — arranged deliberately around your situation. Nothing templated, nothing off-the-shelf. The answer is built, not picked.
03 · Coordinate
We Bring The Right People In
Bankers, accountants, lawyers, buyer's agents, valuers — one coordinated bench, briefed on your problem and working the same plan, end to end.
04 · Compound
We Stay Until It Pays Off
A solved problem should set up the next opportunity. We keep the structure live so every win — equity, capacity, confidence — compounds into the next move.
"Tell us the problem. We'll tell you honestly whether we can solve it — and exactly how."
Awards & Industry Recognition
What We Do
A Complete Advisory Stack, Built Around You
Deep expertise across banking, lending, M&A, accounting and business structuring — coordinated in a single engagement, not scattered across five advisors who don't talk to each other
Financial & Banking Strategy
Banking and lending playbook customised to your situation, your goals, and your long-term growth
Learn moreMergers & Acquisitions
Buy-side and sell-side advisory — valuation, structuring, execution, and post-deal integration for SMEs and mid-market operators
Learn moreInvestment Property Finance
Borrowing capacity, structure and lender selection for Australian property investors building a portfolio, not just buying a house
Learn moreCommercial Finance
Commercial property, development and specialised security funding across a full lender panel
Learn moreCapital & Funding Advisory
Capital raises, structured funding, and lender introductions for growth, acquisitions, and complex balance-sheet moves
Learn moreSMSF Lending
Structured SMSF lending for residential and commercial acquisitions — from setup to execution
Learn moreAccounting & Compliance
End-to-end accounting and compliance — BAS, reporting, and entity administration coordinated with your allied specialists
Learn moreAsset Lending
Equipment, vehicle, plant, and specialist asset finance — structured for efficiency, cash-flow fit, and the right ownership structure
Learn moreBusiness Structuring
Entities, trusts, and shareholder design — the foundation that keeps growth and transitions clean
Learn moreProcess Improvement
Tighter reporting, controls, and operating rhythm so your finance function scales without friction
Learn moreAI & Automation
AI-assisted reporting, document workflows, and automated finance operations — less manual work, faster decisions, cleaner data
Learn moreInsights & Education
Learn The Thinking Behind The Numbers
Independent reading and live Australian rate, lending and policy news — so your next decision is made with context, not guesswork
Fresh Reading — Refreshed Continuously
Live From The Market
Allied Services
A Trusted Network, Coordinated For You
One problem, one bench — the specialists we bring in alongside every engagement, so recommendations get executed, not just made
Tax Management
Coordinated compliance, structuring, and planning across your entities
Buyers Agents
Commercial and residential acquisition specialists — sourcing on-market and off-market opportunities aligned to your strategy
Property Managers
Trusted managers for residential and commercial assets — leasing, compliance, and yield protection
Commercial Lawyers
Contracts, shareholder agreements, and commercial disputes — resolved with clarity
Specialist Advisers
Independent specialists brought in for complex structuring and regulatory matters
Conveyancers
End-to-end settlement management for residential and commercial property transactions
Lending Panel · Top Australian Banks
We work with Australia's leading banks — plus a broader panel of second-tier and specialist lenders for complex deals.
COMMONWEALTH BANK
WESTPAC
ANZ
NATIONAL AUSTRALIA BANK
MACQUARIE BANK
COMMONWEALTH BANK
WESTPAC
ANZ
NATIONAL AUSTRALIA BANK
MACQUARIE BANK
COMMONWEALTH BANK
WESTPAC
ANZ
NATIONAL AUSTRALIA BANK
MACQUARIE BANK
COMMONWEALTH BANK
WESTPAC
ANZ
NATIONAL AUSTRALIA BANK
MACQUARIE BANK
Plan Your Next Move
Numbers First, Decisions Second
A live cockpit for the four decisions that matter — borrowing capacity, refinance savings, repayments, and stamp duty.
Borrowing capacity
$637,048
Indicative · 30-yr term
Repayment room
$3,150/mo
Deposit
$120,000
Want a precise number, tailored to you? Talk to a specialist.
Results are illustrative estimates only, based on the figures you enter. They are not a quote, pre-approval, or credit advice, do not consider your objectives, financial situation or needs, and exclude fees, charges and lender policy. Actual borrowing power and repayments are determined by the lender on assessment.
Why TransformBiz
A Different Kind Of Advisor — In The Room, Over The Long Term
We don't sell products — we solve problems. We sit alongside you, understand how the business actually works, and structure advice that holds up as you scale.
Start a conversation- A Problem-Solving Mandate — Whatever The Obstacle, It's Ours To Fix
- Relationship-Led, Not Transaction-Led
- Holistic Advice Across Business And Personal Finance
- Recommendations Tailored To Your Situation — Never Off-The-Shelf
- An Extensive Stakeholder Network That Supports Better Decisions
- Structured To Scale As Your Business Grows
Meet The Founder
Vineet — Strategic Operator, Trusted Advisor
Vineet founded TransformBiz on a simple conviction: great advisors don't sell products, they solve problems. He built the firm to bring executive-grade problem solving to businesses that don't have a CFO on speed dial — blending the rigor of top-tier consulting with the pragmatism of an operator who has actually run finance and operations inside growing businesses.
Client Voices
Advisory That Earns Long-Term Relationships
Arunava Das
1 July 2026
Special thanks to Vineet and team for restructuring my finances. A pleasure working with you — highly professional and thorough.
Ravinder Kumar
8 April 2026
We first came across Vineet through a property podcast, where his clarity immediately stood out. From day one he went above and beyond for us.
Bhushan Thitme
12 February 2026
Cannot recommend Vineet highly enough. My application was complex with existing property portfolio structures — every detail was handled with precision.
Andy Dial
3 February 2026
Vineet and his team are absolutely awesome. Navigated the complex world of buying under a company on behalf of a trust for my family — even a weekend call to put me at ease.
Ankit Khanna
18 January 2026
Secured our home loan through Vineet — exceptional experience. They presented the top three options from leading banks with clear explanations.
Chandu Velamati
9 January 2026
Worked with Vineet for more than 3 years. He helps build a long-term financial pathway rather than just a short-term solution.
Michael O'Brien
14 December 2025
Amazed by the quality of communication from day one. Refinanced our commercial facility and saved a substantial amount in interest.
Harsahib Singh
5 December 2025
Pre-approval turned around in days and settled on our investment property without a single hiccup. Everything moves quickly with this team.
Subhash & Sarika
28 November 2025
They walked us through refinancing three properties — the strategic advice has genuinely reshaped how we think about our portfolio.
Vijay Reddy
15 November 2025
Vineet doesn't push a product — he builds a plan. Business banking, personal home loan, and SMSF all humming along thanks to his structuring.
Rajesh Menon
20 October 2025
Complex trust structure, commercial refinance, and a personal upgrade — all handled in parallel. Coordinated with our accountant and lawyer seamlessly.
Emma Taylor
8 October 2025
As first-home buyers we were nervous. Vineet's team held our hand through every step, negotiated a great rate, and followed up months later to review our position.
Video Testimonials
Featured Podcast
Latest From Our YouTube Channel
View All VideosHow We Work
How We Do It
Step 1
Strategy Design
We Map Your Goals, Structure And Borrowing Position Before Anything Moves
Step 2
Plan & Execute
Lender Match, Documentation And Coordinated Execution With Our Allied Network
Step 3
Growth
Settlement, Review And Continued Structuring As The Portfolio Scales
“TransformBiz creates a finance-led growth ecosystem for investors and business owners”
FAQs
Answers, Before You Ask
Still curious? The assistant in the corner can answer specifics in real time — or book a consultation and we'll talk it through.
Book A Consultation
Let's talk about where you want to take this next
The quickest way to work out if we're a fit is a quick call. No pitch deck, no hard sell — just a straight conversation about what's going on and where you want to take it next.