About Us
Established in 2019, Big Credit Capital has built a strong reputation as a trusted partner in commercial and debt advisory services. We specialise in providing strategic financial solutions that empower businesses, investors, and individuals to navigate complex financial landscapes with confidence. With a deep understanding of credit markets, risk assessment, and tailored funding structures, we help our clients unlock growth opportunities while maintaining financial stability.
Our expertise spans across commercial finance, debt restructuring, corporate lending, and strategic advisory. Whether you’re a business seeking expansion capital, refinancing solutions, or risk mitigation strategies, Big Credit Capital delivers customised financial advice to meet your specific needs.
Our Mission
To empower businesses and individuals with innovative, tailored financial solutions that enhance financial strength, unlock new opportunities, and drive sustainable growth. We are dedicated to providing expert advisory services that simplify complex financial challenges and create lasting value for our clients.
Our Vision
To be the leading provider of commercial and debt advisory services, recognised for our integrity, expertise, and commitment to financial success. We aspire to set new industry standards by delivering innovative financial strategies that drive business growth and economic prosperity.
Meet the Founder
Grace Chen, the founder of Big Credit Capital, is a highly experienced financial expert with a passion for helping businesses achieve financial success. With a deep understanding of commercial lending, debt restructuring, and strategic financial solutions, she has guided numerous clients towards sustainable growth and financial resilience.
Beyond her professional achievements, Grace is a dedicated wife and mother of two. In her spare time, she enjoys travelling, pilates, tennis, and skiing. Her passion for an active lifestyle and exploring new destinations reflects her dynamic and forward-thinking approach to both business and life.
We are experts in what we do.
Commercial Lending
Business finance involves securing appropriate funding to support daily operations, growth, or acquisitions. Understanding your cash flow and business needs helps determine the best options, such as working capital loans or trade finance, to maintain liquidity and avoid unnecessary financial strain.
Commercial Property Finance
Commercial property finance refers to borrowing for purchasing, refinancing, or expanding real estate assets like offices or warehouses. Different loan types (Full-Doc, Lease Doc, Low-Doc) suit various documentation and risk profiles, making it important to match the structure to your investment goals.
Equipment Finance
Equipment finance enables businesses to acquire machinery, vehicles, or technology without large upfront costs. Options like leasing, hire purchase, or chattel mortgages help preserve working capital, allowing companies to upgrade or expand operations while aligning repayments with cash flow cycles.
Development Finance
Development finance supports property projects such as residential, commercial, or mixed-use developments. Funding can include construction loans, mezzanine finance, or residual stock loans. Choosing the right structure helps developers manage equity contributions, control risk, and ensure sufficient capital for project completion.
SMSF Loans
SMSF loans allow Self-Managed Super Funds to borrow for property investments within superannuation. These loans, often structured as Limited Recourse Borrowing Arrangements (LRBAs), require careful compliance with regulations to protect retirement savings and optimise long-term wealth-building strategies.
Debt Advisory
Debt advisory involves reviewing and restructuring existing business debts to improve cash flow and reduce risk. This may include refinancing, consolidating loans, or negotiating better terms with lenders, helping businesses manage liabilities and maintain financial sustainability.
