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Fintrinsic · Business finance, decoded

Fund your business without sinking it.

Growth funding, cash flow fixes and tax debt, including when the bank has said no. We show you what your finance really costs, build the strategy, then arrange the right funding from 100+ lenders.

Get my free plan → Or check your options in 60 seconds

FREE · WE CALL WITHIN THE HOUR* · PLAN WITHIN 24 HOURS* · OR CALL 0415 099 774

*Business hours; timeframes are indicative. Not a lender. Credit assistance by Scott Wilkinson, Credit Representative 523399 of Planwise AU Pty Ltd, ACL 483595.

Not ready to book? Check your options first.

See if you qualify in 60 seconds.

Question 1 of 5
What do you need?

60 seconds. No documents. Checking your options does not touch your credit file; an application does.

You will usually qualify if you have an ABN, 6+ months trading and $10k+ a month in turnover.

17 years in banking and finance 50+ five star Google reviews 100+ lenders on the panel Not a lender. On your side of the table

What do you need help with?

ATO and tax debtRefinance the balance, replace interest that is no longer deductible, keep the accountant happy.See how → Business loansUnsecured funding to grow, from 7.00% p.a.* with decisions in under an hour.See how → Daily repaymentsStacked short term loans into one repayment you can actually plan around.See how → Asset backed capitalTrucks, plant and equipment you own, working for you. No property needed.See how → Property backed financeLarger amounts and lower rates when there is equity to work with.See how → Home loans for business ownersSelf employed income, read properly, by someone who does this all day.See how →

By industry: Trades and construction Transport HospitalityProfessional services · Not sure? Start with Cash, Cashflow or Cost

Who we help

Trading businesses across Australia, from sole traders to multi million turnover.

  • Sole traders, companies and trusts with an ABN
  • Trading 6 months or more
  • Turnover from $10k a month up
  • Funding from $20k up, secured or unsecured
  • With ATO debt, a default, or a knock back from the bank
  • Or nothing wrong at all, and something to fund

Start here

Every finance decision is about one of three things.

Most owners ask for a product. We start with the need.

Finance by industry: Trades and construction Transport HospitalityProfessional services

Don't take our word for it

Fifty plus reviews. Every one five stars.

5.0★★★★★
Google reviews of Scott Wilkinson
2022 to 2026 · See them on Google
Scott was friendly and professional the whole way through the process and obtained the finance for us when many others had said they wouldn't be able to.MarkGOOGLE REVIEW · JAN 2025
My refinance involved a bunch of moving parts due to a business debt, and Scott didn't stop until we got an excellent result!Just AbbyGOOGLE REVIEW · JUL 2025
My situation involved multiple businesses and low documentation, which is usually where things get messy, slow, and dragged out. Scott handled it seamlessly.Bryan CustodioGOOGLE REVIEW · MAR 2026
Scott has a clear passion for imparting his wealth of information with each customer, whereas the conversation with most other brokers would simply be over if they could not get you the best deal.Fotis BikasGOOGLE REVIEW · JAN 2024
As business owners, the investment property was particularly complex and tricky to navigate. Scott helped us from start to finish and ensured we could maximise our borrowing capacity as well as secure a competitive rate.Jonathon TannerGOOGLE REVIEW · OCT 2025
Scott came through with the goods and achieved a refinance with one of the big four banks saving us a substantial amount of money in monthly/yearly repayments.Matthew Gowen, self employedGOOGLE REVIEW · DEC 2022

Reviews of Scott Wilkinson as a broker, collected on Google from 2022 to 2026, before and during Fintrinsic. Reproduced word for word.

Read all the reviews

The free first step

The Cashflow Code Review.

A free working session with Scott. You leave with a written plan you keep.

  1. Book a timeTell us if you're solving for Cash, Cashflow or Cost.
  2. We review your positionYour finance, bank statements and credit file, the way a lender sees them.
  3. You get your one page planIf finance is the right move, we arrange it through accredited lending partners.
Get my free plan → 5.0 from 50+ Google reviews
5.0★★★★★50+ Google reviews
I'm a commercial finance broker myself and have dealt with a lot of brokers. Scott is easily the best I've come across. Bryan Custodio · Google review, March 2026
What a loan really costs $100,000 borrowed
$125,000 repaid over a year46% p.a. Run your own numbers →

Your one page plan

  1. 01 WHAT IT'S REALLY COSTINGYour current finance in dollars and as an annual rate
  2. 02 WHAT LENDERS SEECredit file and bank statement flags, and how to fix them
  3. 03 YOUR OPTIONS, RANKEDBest fit for Cash, Cashflow or Cost, with the trade offs
  4. 04 NEXT STEPWhat to do this month. Sometimes that is "nothing yet"

Layout example. General information until we understand your situation.

Is the review really free?

Yes. No cost, no obligation, and the plan is yours to keep. If you go ahead with finance, how we are paid is disclosed up front.

Are you a lender?

No. We arrange finance through 100+ accredited lenders, banks, non banks and private funders, so the recommendation isn't tied to one lender's products.

Is this only for businesses in trouble?

No. The best time to build a finance strategy is before you need one. We also help owners who are already under pressure.

What happens to my documents?

They are collected securely, used only to assess your options, and never sent to a lender without your say so.

Free tools · No sign up

Three calculators. Your numbers, in a minute.

What a loan really costs as an annual rate, what a tax debt costs every day, and a seven question score on how lenders see you. Each one ends with the option of a free review.

Approximate annualised rate
Funds you actually receive
Cost of the finance
Total you repay
Each repayment

Lenders often quote this as a "factor rate" (here 1.25). It is not an interest rate. You repay principal from day one, so the true annual rate is far higher than it sounds. Estimate only. Assumes equal repayments and 260 business days a year.

See if this can be done cheaper

More free tools

Learn the code. Free.

Browse all guides and videos
Scott Wilkinson, Founder and Managing Director of Fintrinsic

Who you'll be talking to

Seventeen years inside banking and finance. Now on your side of the table.

Scott Wilkinson is the Founder and Managing Director of Fintrinsic. He works across commercial and residential finance, so your business lending, property and home loan get planned together.

"You need to know what you're doing, why you're doing it, and how you're doing it, before you agree to do it."
  • Guest expert on the So You Know podcast
  • Credit Representative 523399, ACL 483595

How business finance actually works

The Cashflow Code

SCOTT WILKINSON

He also wrote the playbook.

The Cashflow Code: 19 chapters in plain English on how lenders assess you, what finance really costs, and the questions to ask before you sign.

Read a free sample chapterRead Scott's story

Get your finance decoded.

Free review. Written plan within 24 hours. Nothing sent to a lender without your say so.

Get my free plan →Or call 0415 099 774

Finance ·

Get my free plan →Or call 0415 099 774

FREE · WE CALL WITHIN THE HOUR* · YOUR WRITTEN PLAN WITHIN 24 HOURS*

Decisions in under an hour*100+ lenders 5.0 from 50+ Google reviews17 years inside finance

*Rates from 7.00% p.a. for eligible applicants on selected products. Decision and funding times are indicative and depend on the lender and the completeness of your application. Fintrinsic is not a lender. Credit assistance by Scott Wilkinson, Credit Representative 523399 of Planwise AU Pty Ltd, ACL 483595.

What most people get wrong

It fits when

It doesn't fit when

What it looks like

Illustrative example based on typical files, figures rounded. Outcomes depend on your circumstances and the lender's assessment.

What to have ready

Nothing is needed to book. This is for the review itself.

How it works

Three steps, in plain English.

    Go deeper, free

    The plain English guide that goes with this page, from The Cashflow Code series.

    Get the guide

    Run your own numbers

    Not sure this is the right pathway?

    That is what the review is for. We start with the need, not the product.

    Get my free plan →

      How business finance actually works

      The Cashflow Code

      SCOTT WILKINSON

      The Fintrinsic method, in a book and a video course

      The Cashflow Code.

      How business finance actually works, in plain English, from seventeen years inside banking and finance. How lenders assess you, what finance really costs, and how to use it for growth, cash flow and cost.

      Get my free plan →Get a free short guide

      Two kinds of owner read this.

      You can see it coming

      A growth opportunity, a tight season, an equipment upgrade. Nothing is wrong yet, and you want to keep it that way.

      You're feeling the squeeze

      Repayments are biting, a tax debt is growing, or a lender just said no. You need to understand what happened and what to do next.

      What's inside

      19 chapters. One playbook.

      68 pages. No jargon. Every finance term explained the first time it appears.

      Read a free sample chapter
      1. The crisis nobody's talking aboutWhy good businesses fail, and why cash flow is the symptom, not the cause.
      2. The trapDaily repayments, stacking, the renewal offer, and what your credit file is really saying.
      3. The toolkitEvery way a business can raise finance, what each really costs, and the eight questions to ask before signing.
      4. The turnaroundCash, Cashflow or Cost, consolidation done properly, and dealing with tax debt.
      5. Your teamHow to build the strategy before you need it, and who should be in your corner.

      More than a book

      Read it, watch it, then talk it through.

      The book

      The full playbook, or the 10 minute short version.

      The video course

      Twelve parts. Scott walks through each topic in plain English.

      Your review

      A free working session and a written one page plan.

      Direct access

      Ask your hundred questions. That is the point.

      Short on time? Start here.

      Ask a hundred questions. We'll answer every one.

      Get my free plan →

      About Scott Wilkinson

      Seventeen years inside finance. Here's why I started teaching it.

      Scott Wilkinson, Founder and Managing Director of Fintrinsic

      I've watched good businesses fall into financial distress. Not because the owners were careless. Because they took finance with no clear strategy, and nobody in the process had any reason to slow them down and explain it.

      That bothered me enough to do something about it.

      Fintrinsic exists to be the first stop before you get business finance. We show you how the system works and help you ask the right questions. When finance is the right move, we build the strategy and arrange it through accredited lending partners.

      I work across commercial and residential finance, so your business lending, your property and your home loan get planned together instead of fighting each other.

      "You need to know what you're doing, why you're doing it, and how you're doing it, before you agree to do it. And if you need to ask a hundred questions to get there, ask a hundred questions."
      • Founder and Managing Director, Fintrinsic
      • 17 years in banking and finance
      • 5.0 stars across 50+ Google reviews
      • 100+ lenders on the panel: banks, non banks and private funders
      • Guest expert on the So You Know podcast
      • Credit Representative 523399 of Planwise AU Pty Ltd, ACL 483595
      • Mortgage broker with UNO Home Loans

      How we work with partners

      National reach, boutique service.

      Finance rarely sits alone. When your plan needs an accountant, financial planner, insurance broker or restructuring specialist, we introduce you to licensed professionals in our network. They advise in their lane. We stay in ours.

      Integrity · Accountability · Agility · Excellence · Collaboration

      Got a question?

      Ask Scott directly.

      No form filling marathon. Type the question, get a straight answer from Scott by text or email, usually the same day.

      Credit Representative 523399Planwise AU Pty Ltd, ACL 483595AFCA member via licenseeConnective aggregator[ MFAA / FBAA ][ Cert IV and Diploma of Finance and Mortgage Broking ]

      General information only until we understand your situation.

      Accountants, bookkeepers and advisers

      Refer a client. Keep the relationship.

      Your client gets a free finance review and a written plan. You get a broker who reports back, stays in the finance lane, and never sells your client something you would not.

      Call Scott about a clientscott@fintrinsic.com.au
      • You stay the adviser, we handle the finance
      • Written plan shared with you, with the client's consent
      • Tax debt files welcome, worked alongside you
      • Referral arrangements disclosed to the client, as required

      Why not just go to a lender?

      Because a lender sells you their product. We build you a strategy.

      Going direct to a lenderWith Fintrinsic
      Who is it built aroundTheir product rangeYour need: Cash, Cashflow or Cost
      How many lenders consideredOne100+ lenders: banks, non banks and private funders
      Before you signA repayment figureThe true cost in dollars and as an annual rate
      If finance is not the answerYou will not hear that from themWe tell you, and what to do instead
      Your credit fileAnother enquiry every time you shop aroundOne conversation first, applications only when they fit
      What you walk away withA loanA written one page plan, whether or not you ever use us
      Cost to youDependsThe review is free. If you proceed, how we are paid is disclosed up front

      Our promise

      • We will never tell you to take finance you do not need.
      • Nothing goes to a lender without your say so.
      • You keep the plan even if you never call us again.
      • Every number we quote you, we show you how we got it.
      Get my free plan → 5.0 from 50+ Google reviews

      Why strategy comes first

      Fast finance is easy to get. It is also how good businesses get stuck.

      14,152

      companies entered insolvency in FY25-26. The second year running above 14,000.

      Source: ASIC, July 2026
      31x

      Businesses with $100k+ of ATO debt have an insolvency rate 31 times the national average.

      Source: CreditorWatch, June 2026
      11.51%

      What the ATO charges on overdue tax. It compounds daily and is not tax deductible.

      Source: ATO GIC, Oct-Dec 2026

      Talk to Scott directly.

      Get my free plan →

      Free · No obligation · One on one with Scott

      Book your free Cashflow Code Review.

      A working session with someone who lives in business finance full time. You leave with a written one page plan.

      5.0 from 50+ Google reviews · We call within the hour* · Your plan within 24 hours* · No bank statements needed to book

      Free. No obligation. General information only until we understand your situation. Your details are handled under our Privacy Policy. *Business hours; timeframes are indicative.

      Your one page plan

      1. 01 WHAT IT'S REALLY COSTINGYour current finance in dollars and as an annual rate
      2. 02 WHAT LENDERS SEECredit file and bank statement flags, and how to fix them
      3. 03 YOUR OPTIONS, RANKEDBest fit for Cash, Cashflow or Cost, with the trade offs
      4. 04 NEXT STEPWhat to do this month. Sometimes that is "nothing yet"

      Layout example. General information until we understand your situation.

      5.050+ Google reviews
      Scott was friendly and professional the whole way through the process and obtained the finance for us when many others had said they wouldn't be able to. Mark · Google review, January 2025

      Prefer to talk now? 0415 099 774

      Finance by industry ·

      Get my free plan →Or call 0415 099 774

      FREE · WE CALL WITHIN THE HOUR* · YOUR WRITTEN PLAN WITHIN 24 HOURS*

      Decisions in under an hour*100+ lenders 5.0 from 50+ Google reviews17 years inside finance

      *Rates from 7.00% p.a. for eligible applicants on selected products. Decision and funding times are indicative and depend on the lender and the completeness of your application. Fintrinsic is not a lender. Credit assistance by Scott Wilkinson, Credit Representative 523399 of Planwise AU Pty Ltd, ACL 483595.

      What finance looks like in your industry

      Same three needs. Your version of them.

      What it looks like

      Illustrative example based on typical files, figures rounded. Outcomes depend on your circumstances and the lender's assessment.

      The trap we see most

      The fix is rarely more finance. It is the right structure for how your money actually moves.

      The pathways that usually fit.

      Every one starts with a free review and a written one page plan.

      Get my free plan →

        Free tools · No sign up

        More free tools

        How to read your result

          Common questions

          Want it checked by a person?

          Get my free plan →

          Google reviews of Scott Wilkinson · 2022 to 2026

          Fifty plus reviews. Every one five stars.

          5.0
          50+ reviews on Google
          Every one is real and on Google

          Reviews are reproduced word for word from Google, as published on Scott's UNO Home Loans broker profile.

          Client stories.

          CASE STUDY SLOT: business loan consolidation. Situation, what they were paying, what changed, the dollar difference, client quote and photo.
          CASE STUDY SLOT: ATO debt refinance. Same format. Written client consent required.

          See why for yourself.

          Get my free plan →

          Learn · Free

          Learn the code. Free.

          Guides, videos and straight answers on how business finance really works. No jargon, no sales pitch in disguise.

          Start here

          Three short guides.

          Read

          Straight answers.

          Each one takes a few minutes and ends with the tool that matches it.

            Series

            Your credit file, decoded.

            What lenders see before they ever speak to you.

            1. What's on your fileBusiness and personal, and who can see it.
            2. Your score under comprehensive credit reportingWhat moves it up and down.
            3. Hardship flagsWhat they mean and how long they last.
            4. EnquiriesWhy shopping around the wrong way costs you.
            5. DirectorshipsHow your companies show up against your name.

            Jargon, decoded

            The words lenders use. In plain English.

            Rather just ask a person?

            Get my free plan →

            Free guide

            We only use this to send the guide and the occasional plain English note. Unsubscribe any time. No sales calls unless you ask.

            What is in it

              Prefer a conversation?

              Get my free plan →

              Legal

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