Backed by experience.
Driven by you.
Calibre Finance & Advisory is a boutique finance advisory firm built on experience, insight, and a focus on real business outcomes.
We believe every financial strategy starts with the bigger picture – not just the numbers, but the business behind them. That's why we make it our business to understand every part of yours.
Our approach is built on long-term relationships. One team who understands your business. One point of contact who works alongside you as your needs evolve.
We meet our clients face-to-face, understand their goals, and build a clear picture of where they want to go. From there, we navigate the complexities of lending, structuring tailored financial solutions that seize opportunity while managing risk.
Drawing on two decades of experience in commercial banking, we've worked on both sides of the desk – at banks and alongside business owners. This multi-perspective view gives us a deep understanding of what lenders look for and how to structure finance to drive sustainable growth.
Practical, personal, and all about your business.
Meet Usman
Usman started Calibre Finance & Advisory to bring back the kind of banking relationship often lost in modern finance – personal, trusted, and built over time.
Find out more
Meet Richard
Richard brings more than 25 years of agribusiness banking experience across NSW and Victoria, backed by a lifetime on the land – he grew up on his family's sheep and wheat farm in North West NSW. He combines practical farming knowledge with deep financial expertise to help farming families make confident, well-structured decisions.
Find out moreOur Services
Whether you're acquiring a new business, growing an existing one or expanding into new markets, we make it happen. We cut through the complexity, connect you with the right lenders, and guide you – the Calibre way.
Find Out MoreCommercial Finance
- Deal Structuring & Advisory
- Business & Corporate Finance
- Property Development & Investment Funding
- SMSF Funding
- Asset / Equipment Finance
Residential Finance
- Owner Occupied Home Loans
- Investment Home Loans
Agricultural Finance
- Business & Succession Planning
- Cashflow Budgeting & ‘What-If’ Analysis
- Amortisation Structures Tailored to Your Goals
- Understanding How Lenders View Your Business
- Presenting Your Business to Lenders
About Us
Usman
A former banking executive with over 20 years of experience across commercial, business, and private banking, his mission is simple: build deeper relationships with his clients and watch them succeed.
Throughout his career at National Australia Bank, he managed large and complex lending portfolios, led high-performing teams, and supported clients across a wide range of financial needs.
Today, Usman is a trusted advisor who partners with clients for the long term. He leverages his expertise in credit, deal structuring, and relationship management to guide them through complex financial decisions and deliver tailored solutions that truly align with their goals.
Driven by a commitment to be a true partner, Usman listens, understands each client's business, and empowers them to pursue the opportunities that pay off.
Richard
Richard brings a rare blend of hands-on farming experience and more than 25 years in agribusiness banking across NSW and Victoria. Having grown up on his family's sheep and wheat farm in North West NSW, he understands the realities of life on the land – seasonal pressures, cashflow challenges and the day-to-day decisions that keep a farm moving.
After completing a Diploma of Farm Management at Orange Agricultural College, Richard spent six years working on the family farm before completing a Bachelor of Business degree. He then built a long career in agribusiness banking, supporting clients across sheep, wheat, beef, horticulture, commercial fishing, poultry and dairy.
This combination of practical farming knowledge and deep financial expertise shapes Richard's approach today. He knows a farm is more than a balance sheet – it's a livelihood, a family legacy and a business influenced by seasonal income, land values, commodity prices, machinery needs and future plans. His focus is on understanding the whole picture and helping clients make confident, well-structured financial decisions.
As a commercial finance broker specialising in agribusiness, Richard assists with business and property finance, strategic planning, succession, budgeting and cashflow management.
Whether you're expanding, refinancing, investing in equipment or planning for the next generation, Richard believes the best place to start is a conversation.
Our Services
Whether you're acquiring a new business, growing an existing one or expanding into new markets, we make it happen. We cut through the complexity, connect you with the right lenders, and guide you – the Calibre way.
Commercial Finance
Comprehensive support for complex deals. We lead negotiations and provide specialised advisory, working closely with accountants and legal teams to structure optimal solutions for your business. From mergers and acquisitions to refinancing, we help your business balance risk with opportunity.
We assist clients with:
- Securing favourable terms on loan and security agreements
- Strengthening financial projections through stress testing
- Aligning loan covenants with your business requirements
- Structuring amortisation schedules to support your financial strategy
- Preparing your business for lender due diligence
- Presenting normalised earnings through business cases that demonstrate performance to lenders
With banks tightening credit and regulations constantly changing, securing the right funding can be tough. Success comes from knowing what lenders need. That's where we step in.
We take the time to understand your business – how you operate, your customers and suppliers, and what makes you competitive. Once we have a complete picture of your goals and challenges, we create a bespoke solution tailored to you.
We specialise in:
- Working capital solutions
- Receivables finance
- Trade finance
- Term debt funding
- Growth funding
- Acquisition funding
- Asset finance
- Debt restructuring and consolidation
Finance to make property projects possible. We support developments and investment opportunities with funding that maximises returns and manages risk. By partnering with us from day one, we can align finance solutions with your project goals and secure tailored funding for every stage of development or investment.
We support with:
- Large office and retail developments
- Mixed-use property projects
- Apartment and residential developments
- Multi-townhouse developments
- Land banking for future sites
- Managing residual stock
SMSF, made simple. We help you understand how SMSFs work and how lending can be structured within your fund. Then, we guide you through SMSF lending for property or asset investment, helping you make the most of your strategy and grow your portfolio.
Secure the assets your business needs to grow and operate smoothly. With over 18 years of commercial lending experience, we manage a comprehensive range of equipment funding. We work closely with each client and draw on our network of specialist lenders to deliver flexible solutions tailored to your business needs.
Residential Finance
Find the right loan for your home. We have access to a wide range of bank and non-bank lenders who provide traditional mortgage solutions, helping you secure the mortgage that fits your needs. Whether it's your first property or your next home, we'll guide you through your options and support you in choosing the right one.
We can help you with:
- Purchasing a new home
- Off-the-plan purchases
- Home loan pre-approvals
- Refinancing existing owner-occupied loans
- Restructuring loans to access equity
We help investors secure the right finance for their property portfolio. Whether you're purchasing established or off-the-plan properties, refinancing, or comparing market rates, we structure your finances to support your goals and make the most of your capital.
We can support you with:
- Purchasing a new residential investment property
- Off-the-plan investment purchases
- Refinancing existing investment loans
- Comparing the market to secure better interest rates
- Restructuring investment loans to access equity
Agricultural Finance
We work closely with you – and your trusted advisers – to structure finance solutions that align with your goals, support your operation and manage potential risks.
We can assist with:
Developing clear goals and structures that support growth, transition and long-term sustainability.
Helping you plan for seasonal variability, price movements and operational risk.
Ensuring repayments match your business's cashflow profile and strategic direction.
Providing tools and insights to help you monitor performance and strengthen your financial position.
Showcasing the true potential of your operation to secure the right finance outcome.
Let's talk
Looking at finance options for your business? We'll work with you to find the right solution to support your next move.
Send Us a Message
Looking at finance options for your business? We'll work with you to find the right solution to support your next move.