Brokers, we know that helping self-employed clients secure finance isn’t always straightforward. A common challenge: a client who has transitioned from a sole trader to a company and trust structure, and now has a new ABN—even though it’s still the same business.
Many lenders see a newly registered ABN and hit pause. But at MA Money, we take a different approach. We recognise ABN continuity, meaning we look beyond just the ABN start date and assess the real business history. That’s why we can help clients in situations where other lenders can’t—especially in the Prime loan space.
Why Do Businesses Change Structures?
Switching from a sole trader to a company or trust could be a strategic move for:
- Liability protection – Separating personal and business risk
- Tax benefits – Structuring income more efficiently
- Business growth – Scaling operations under a more formal structure
The only downside? Many lenders don’t cater to this transition, treating it as a brand-new business. That’s where MA Money stands out.
How Brokers Can Get These Deals Over the Line
To help your self-employed clients secure a loan with us, simply provide:
✅ The previous sole trader ABN (from before the restructure)
✅ The current company/trust ABN
✅ Any supporting documents to confirm business continuity
The MA Money Advantage
Not many lenders can service these scenarios as Prime loans, making this a real niche for MA Money.
Want to learn more? Check out our Rate and Product Guides or speak to your BDM to see how we can help you place more deals.
