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In this episode of Finance Specialist, Julian Barnes is joined by Trent Carter as well as fellow Accendo Financial partner John Sgambelluri to unpack what lenders really look for when assessing commercial finance applications.
The discussion explores the relationship between profit, cash flow and the balance sheet, why understanding a business’ underlying risks matters, and how brokers can connect the numbers with the story behind them to build stronger credit applications.
The trio also discuss the role of security in commercial lending, how to articulate the purpose of a loan and why developing strong relationships with lenders can help brokers get more complex deals across the line.
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Julian Barnes
Author
Julian Barnes is a senior journalist for Broker Daily, one of Momentum’s mortgage titles.
He covers residential, commercial and business lending, with a focus on technology, product innovation, economic trends and the issues impacting brokers and the wider industry.
Julian also hosts Broker Daily’s podcast network, including Finance Specialist, Business Accelerator, Broker Daily Uncut and Broker Daily Spotlight.
Before joining Broker Daily in late 2025, Julian worked as a journalist in the UK for Clearsky Publishing and Tindle Group.
Get in touch with Julian at