Farook Ketan is the Founder and Director of Finance & Beyond. With over 18 years of professional experience spanning the banking, credit brokerage, and commercial sectors across Australia and New Zealand, Farook brings a wealth of financial knowledge to his clients. He has held senior lending and management roles within top-tier financial institutions, developing a deep understanding of home lending, business credit assessment, and complex commercial debt syndication. In addition to his banking background, Farook has extensive hands-on experience in business ownership and national franchise operations. Having successfully owned and managed major franchise outlets, including Nando's and Gasoline Alley, he has first-hand insight into the cash flow dynamics, lease negotiations, equipment fit-outs, and capital challenges faced by business owners. This rare combination of banking expertise and practical business ownership enables Farook to look beyond simple credit spreadsheets, structuring strategic funding solutions that support true business growth and long-term asset accumulation.

Arafat Chowdhury is a Business Partner specializing in Commercial and Private banking clients at Finance & Beyond. Throughout his distinguished 15-year career in the banking sector, Arafat has held senior roles at Australia's leading financial institutions, including Westpac Group, St.George Bank, and National Australia Bank (NAB). Arafat specializes in managing high-net-worth client portfolios, commercial property developments, and complex mid-market business debt structures. He is highly regarded for his ability to analyze complex corporate financial statements, structure custom commercial credit facilities, and align lending structures with tax-minimization trust strategies. Arafat is passionate about supporting business growth, leveraging his deep institutional relationships to negotiate competitive outcomes and helping entrepreneurs secure the capital required to scale their operations.