Umbrella Finance Consultants

We've got you covered

As specialists in Commercial and Agribusiness lending, Umbrella Finance Consultants offers tailored finance solutions to help you realise your business and personal goals now and into the future.

With a view to building long-term partnerships with our clients, our holistic approach means we focus on consultation, not the transaction. We take the time to understand both your current business and your future aspirations and collaborate with your other business advisers, to develop custom finance strategies to help through every stage.

Our highly specialised consultants harness their deep understanding of the banks’ inner workings to source the most appropriate solutions for you from a comprehensive panel of lenders.

As finance becomes increasingly complex and time-consuming, particularly in the Agri and Commercial lending space, a guiding hand is more crucial than ever.

Just as we rely on an umbrella to shield us from the elements, Umbrella Finance Consultants is on hand to help you weather the storm when dealing with financiers and protect your most precious commodity: time. Our holistic approach allows us to utilise a wide arsenal of products and services tailored to your specific needs, all under the one umbrella.

“Our holistic approach
means we focus on
the consultation, not
the transaction”

Finance solutions for rural and regional businesses

Your Support System

Founding Director Sarah Lockwood has an entrenched passion for rural and regional business. From a fifth-generation sheep and cattle farm in the New England Region of NSW, and with more than a decade in Agri and Commercial banking, she knows well the highs and lows that come with operating a regional and farm-based business.

Sarah is able to use the extensive knowledge she gained throughout her career working for two of the ‘big 4’ banks to show clients how to present and communicate information to achieve the best outcomes.

From mum-and-dad operators through to corporations, Sarah has helped to develop, implement and maintain finance strategies that are tailored to her clients’ business and personal needs.

As an advocate for collaborative business and financial management, Sarah actively partners with her clients’ key advisors to ensure they can take advantage of the good times whilst being protected during the down times.

Relationships are the cornerstone for Sarah, building trust and a deep understanding of her clients’ needs through every stage and playing a proactive role in all things finance.

The Umbrella Framework


As consultants rather than facilitators, we actively partner with you for the long term. We get to know you and your business, and we harness this knowledge to proactively provide finance solutions tailored to your needs.


With the highest personal service standards, we commit to being prompt, upfront and honest with you at all times. We are living in your world and want to be a real presence for you and your business.


It is a privilege being able to engage with you and have the opportunity to build a lasting partnership. As such, we take great pride in everything we do and approach our work with the upmost integrity.


Compared to other brokers that focus primarily on rates for the transaction in front of them, we prefer a more holistic approach. To us, taking the time to understand the bigger picture and provide finance options that fit your overall strategy – as well as being competitive on rates and terms and conditions – all falls under the one umbrella.


We can actively collaborate with your other business advisers to ensure continuity and alignment in helping you achieve your overall objective. When it comes to banks, we can collaborate with the key stakeholders to negotiate the best structure, price and conditions to meet your needs.

“Relationships are the cornerstone for Sarah, building trust and a deep understanding of her clients’ needs through every stage and playing a proactive role in all things finance.”

We're here for you

  • Agribusiness loans
  • Commercial loans
  • Vehicle & equipment loans
  • Residential and investment property loans
  • Lines of credit
  • Overdrafts
  • Lending arrangement reviews & restructures
  • Ongoing banking assistance & annual reviews

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Umbrella Finance Consultants