Turtle Blue is a leading provider of banking related consultancy services, specialising in delivering banking solutions to a diverse range of small to medium businesses throughout Victoria. Drawing on over 20+ years of commercial banking experience, Turtle Blue can deliver a broad range of finance solutions which are tailored to your needs, not the Banks.

Turtle Blue is not and never will be your typical banking intermediary. By adopting a consultancy approach, we are engaged directly by you – the client – to seek the best possible banking outcome based on your needs.

Most banking intermediaries operating in the market are paid by the financiers, which often creates bias, increases your finance costs and can compromise your existing banking relationships. Turtle Blue does not accept commission from financiers, hence our recommendations are pure and made without compromise. Importantly, our consultancy approach also allows us to negotiate with your existing Bank. In most instances, a traditional intermediary will need to move you from your existing Bank to get paid, which can be disruptive.

We approach consulting services from a relationship rather than a transactional perspective. That means we have your long term goals in mind when considering the immediate solution required.

Whilst our clients come in all shapes and sizes, complexity is our specialty. Many of our clients are large family groups with multiple businesses, properties and specific requirements spanning multiple lenders. Banking concentration risk (that is, being over-reliant on any one financier) is a perennial issue in the SME banking sector, with many businesses putting their trust in just the one banker to provide a competitive solution. It’s important to remember that regardless of how good your rapport is with your banker, their primary responsibility is maximising returns for the Bank while minimising their risk (thus transferring it to you).

Commercial banking is often offered on a take it or leave it basis by the Banks. We don’t accept that paradigm and via our negotiating power can achieve far more favourable outcomes that rebalance the bargaining power in your favour. We believe businesses should be able to choose who they Bank with and on what basis.

A Turtle Blue banking consultancy will change the way you think about your Bank forever.

The skills and knowledge required to provide commercial banking consultancy cannot be learned from a textbook nor taught in a classroom. Real experience is developed over many years and from completing many, many transactions with a wide range of finance providers.

At Turtle Blue we have over 20 years experience in commercial banking, having helped hundreds of clients of all shapes and sizes along the way – from start-ups to businesses turning over in excess of $100M per annum.