Our Commitment

We are committed to forming close partnerships with our clients, enabling us to understand your unique situation and customise the assistance we provide to suit your requirements. Our commitment to excellence is evident in our hardworking team. Our enthusiasm for our work means you get a friendly professional eager to use their expertise to help you succeed. For more information on how our expertise can benefit you, contact us today.


Business Finance

Your business is growing, you need to update equipment, or are you going into a new business venture? We can assist with business & commercial loans, chattel mortgages, franchise finance, leasing, mortgage, equipment, asset & debtor finance. Perhaps you need to consolidate, refinance or simply improve your cash flow. We can assist you with analysing financial data, budgeting & client management. Share your vision with us and we can ascertain the possibilities.

Business Finance

Kel Penfold Finance in Tamworth has a wealth of experience in aiding businesses with their finances – weather you’re starting from scratch or you’re looking for support for your long-standing business – you can count on us. We specialise not just in loans but also in financial advice; we believe that simply throwing money at an issue does nothing to solve it and might simply delay the inevitable if not compounded with proper assistance.We operate in the Tamworth area of New South Wales and have worked tirelessly for more than 35 years to ensure the best results for our many clients. Businesses are the bread and butter of the Australian economy, so we are committed to helping them grow when and where they need to – if you’re needing a bit of financial help with your business (in cash or strategy), then get in touch with us today.

Loans and payments

Perhaps the most attractive service we offer to businesses (big or small) is our cash loan, with a flexible and generous repayment system. Start-up capital can be something of a deal-breaker in such a competitive world, so you could benefit from a loan to set you off on the right path.

If you need help acquiring a company headquarters or any other property required by your business, we can also provide mortgages to give you the facilities you need to get started. Debtor finance is yet another loan that has been designed to aid businesses – namely by using your outstanding invoices to improve cash flow. This is a process that can speed up your growth, as you do not need to wait long for payments.

Financial management

As mentioned above, however, we know this is just one part of the puzzle – and the statistics definitely seem to back us up on that front. When Australian businesses fail, it is most commonly a result of mismanagement and poor financial planning, something that no cash injection will be able to cure. At Kel Penfold, we don’t just look at the number of dollars in your account but also your raw financial data.

This data is paramount as it shows what works and what doesn’t, how you fit into the market, and how we can help turn your struggle into an act of perseverance. We look at how you can make the most of your budget and quell any anxieties you might have. For example, while cash flow gaps are fair to worry about, they are an integral part of business and not always a death knell for your enterprise.

Our Finance Calculators
Our finance calculators are sourced through the FBAA (Financial Brokers Association of Australia) for our customers to use and to find estimate costs of their loans and repayments to better prepare themselves for their financial obligations.

Find out more

Whether you are just starting or have been in business for years, there is no shame in needing a bit of help to keep going strong. No matter your unique situation, we will do our best to help get your business venture into the best shape possible. For more information and to arrange a loan with us, please send us a message or call us on (02) 6766 5309.

Get in touch
Have a general enquiry or would like to get into contact with Kel or Kevin directly?
Use the form or get in contact directly using the details below.
You are our priority when creating Financial solution.
We work alongside you & your advisors to solve problems that arise and help you reach your financial goals.