Australian Business Credit is a business finance company (no consumer lending) specialising in creating meaningful products in niche sectors to meet the growing needs of businesses. We have a principal focus on providing niche products that the banks don't want to service, as well as bespoke financing solutions.

How we can help you


Private Lending

SME Products
Short term financing


Commission Financing

Mortgage Broker
Financial Planner & Insurance Broker


Working Capital Finance

Cash Flow & Supply
Chain Solutions


Asset Finance

Solar and renewables
Larger equipment

Australian Business Credit have access to a network of lenders through our partners in Australia, Asia, the UK and the US, where we can facilitate and structure larger sized transactions across a range of specialist lending products and tailored capital solutions.

Executive Team

Our executive team consists of Yannick Lucas, Head of Funding and Surinder Agnihotri, Founder and General Manager Sales and Distribution. Collectively they have 50 years’ experience in the finance industry, with significant exposure to mortgage broking, aggregation and financial structuring.

Australian Business Credit was created by Yannickand Surinder to fill the significant funding gaps not being met by traditional bank and non-bank lenders. In designing the products, services and sectors to specialise in, they have not only drawn on their significant financial structuring and business advisory experience but have also spent countless hours consulting with the mortgage and broader finance broking industry to understand the issues faced by business in Australia in gaining access to capital. It has been through this research and consultation that Australian Business Credit has built its business focussing on receivables and asset-backed financing and bespoke financing solutions for the SME market in Australia.

Yannick Lucas Head of Funding

Yannick has over 30 years’ experience in the Financial Services industry including Senior Executive positions at Royal Bank of Canada and a host of other global banks.

Prior to joining ABCredit, Yannick spent 12 years at Royal Bank of Canada in London as European Head of Fixed Income, where he was responsible for sales and distribution of all its credit products ranging from corporate debt bonds, ABS, structured and illiquid products.  During this period, under Yannick’s stewardship, RBC consolidated it's business and became one of the top 10 Investment Banks globally.

Yannick brings passion and drive to his role with ABCredit and with his experience adds a depth of understanding of investors and what is required to grow businesses.

Surinder Agnihotri Founder and General Manager Sales and Distribution

Surinder has over 20 years’ experience in residential and commercial finance, sales and distribution.  Having worked for some of Australia’s largest mortgage aggregation groups, he has been involved with over $20 billion worth in loan settlements across a diverse range of residential mortgages, commercial property and business loans.  

More recently, Surinder has been responsible for the strategy, execution and management of businesses looking to diversify and expand their existing finance platforms by introducing verticals into their business.  Surinder also advised a major Western Australia Government utility on their ten-year strategic plan for submission to the regulator, including consideration to full or partial privatisation. Surinder holds a Diploma of Finance, Diploma of Financial Planning and is in the final stages of completing his Master of Business Administration.

Have any Questions?

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