Jonathan Chan

Jonathan Chan

Founder & Managing Director

Jonathan helps Australian businesses, investors, and homeowners access tailored finance solutions. With extensive banking experience, Jonathan provides strategic advice across commercial property, business expansion and home lending.

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Gabriel Loh

Gabriel Loh

Managing Director

After almost a decade in New York and Silicon Valley, including as GM of Uber's US and Canada Financial Services business, Gabriel chose to bring his experience closer to home. Today, he helps Australians and business owners grow through smarter, more tailored financing.

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FGO Monthly · Business Edition April 2026 5 min read

Why more people are buying businesses instead of starting them

FGO Monthly · Business Edition · April 2026 This is the web archive of the April 2026 FGO Monthly Business Edition, originally sent to subscribers via email. Jonathan Chan writes to FGO's business audience each month on acquisition finance, commercial property, and what we're seeing on the ground. Subscribe to future issues →

The structural case for acquisition entrepreneurship is stronger than ever. In this edition: the macro forces behind the trend, takeaways from the ETA Central event at Melbourne Business School, how strategic finance has helped different businesses scale, and what Payday Super means for business owners from 1 July.

The macro picture

The shift is showing up in the numbers and on the ground. Australia has nearly three million actively trading businesses, a significant wave of owners nearing retirement, and a growing pool of buyers who are coming into conversations far better prepared than they were even two years ago. The interest in acquisition entrepreneurship is real and it is growing.

I shared my perspective on the structural forces behind this trend and what I have been seeing through the conversations I am having with different clients. You can read that piece on LinkedIn.

Read my take on LinkedIn →


Inside the ETA Central event at Melbourne Business School

Earlier this month, I attended the ETA Central event at Melbourne Business School, with over 100 people in the room. Three operators at different stages of the acquisition journey shared what it actually took to run their businesses post-acquisition. One had already exited and moved into investing. One is two years into running an industrial manufacturer. One is in the critical first months of his first acquisition.

The challenges were real, and each was candid about the decisions they would have approached differently. But the common thread across all three was clear: the journey itself is the reward, and not one of them would go back to what they were doing before.

If you want to explore acquisition finance or talk through how strategic debt could work for your situation, get in touch.


How strategic finance has helped businesses scale

A look at how the right debt structure has helped business owners fund acquisitions, manage growth, and position for what is next. The case studies cover a range of situations - from first acquisitions through to portfolio building and growth capital. The financing decisions at each stage are different, and the lender landscape shifts depending on where you sit in the journey.

Read the case studies →


Payday Super kicks in from 1 July. Is your business ready?

From 1 July 2026, super contributions will need to be paid at the same time as wages rather than quarterly. Under the new Payday Super rules, funds must land in the employee's account within 7 business days of each pay run.

For business owners, this is a meaningful cash flow shift. Super moves from a predictable quarterly outflow to a per-cycle obligation. The ATO is also stepping up enforcement, with daily compounding penalties applying to late payments. If your payroll setup and cash flow cycle have not been reviewed with this in mind, now is the time.

Thinking about a business acquisition?

Get in touch for a free conversation. We will talk through your situation, the financing options available, and how the numbers stack up for your specific deal.

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