Commercial Loans

Time to grow your business? Learn how a commercial loan can help fund your business growth

Rated 5 from 62 Reviews

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Whether it’s to purchase a property, equipment or business, we’re here to help.

Getting a Commercial Loan can be a great way to fund growth for your business. Commercial loans are specifically tailored for businesses and can offer flexibility and competitive interest rates to help you expand your operations. Commercial Loans can be used to buy new commercial property, renovating an existing property, buying or upgrading equipment or securing extra capital to meet payroll requirements or other obligations.

Some lenders may require collateral or a personal guarantee from the business owner, while others may offer unsecured loans for well-established businesses with strong financials. They also may require detailed financial information, including profit and loss statements, cash flow projections, and business plans to help assess your application. We can help you understand what documentation may be required and whether a commercial loan is the right product for your scenario.

We're a proud member of the Mortgage and Finance Association of Australia and can help with Commercial Loans right across Australia. If you're looking to grow your business, we have the expertise and experience to guide you through the process and make the right choice.

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AC

Amanda Cecchin

Over the years we have had multiple dealings with Stephanie. She has been nothing but professional and prompt. Her knowledge and advice is ap very appreciated! We will be back again!

JP

Jessica Pimm

Stephanie was fantastic and made the process super easy! She was very informative and super helpful! Would definitely recommend her to anyone who is looking for a loan

L

Leon

All I can say there is not enough stars. Wow unbelievable very professional easy to talk to very happy thanks

Frequently Asked Questions

I'm uncertain if I'm ready; can you assist in developing a purchase plan?

Certainly. We encounter many people in a similar situation, whether they're not quite ready but have a goal, or they're unsure about their readiness. We'll guide you every step of the way, speaking in plain language while explaining the necessary steps for obtaining financing.

My business financials aren't up-to-date, can I still secure financing?

Yes, you can. Depending on factors such as GST registration and the length of time your ABN has been established, it may be possible in some cases to use financials from the previous financial year. Some lenders also offer financing without financials, provided your BAS is current and the numbers align. Understanding which lenders are more accommodating to self-employed applicants is crucial, and our expertise can guide you through these types of applications.

What's the best interest rate?

The best interest rate varies from person to person based on individual circumstances. A larger deposit and borrowing less than 80% of the property value can help secure more favourable rates. However, the interest rate is just one of several factors we consider when making recommendations. Other factors include lending products, service quality, turnaround times, flexibility, and lender policies. Our goal is to ensure our clients don't overpay, so we frequently request better pricing from lenders during regular loan reviews.

What sets you apart from other mortgage brokers?

To be frank, writing a home loan isn't particularly challenging; our value lies in the ongoing service we offer. We proactively review our clients' loans and portfolios, identifying opportunities for you to expedite debt repayment, amass wealth, or enhance your lifestyle.

How long does it take to secure loan approval?

This varies. We can expedite the application process as much as you can, but the timeline ultimately depends on your chosen lender. Some lenders can process applications within hours, while others may take anywhere from 3 to 14 business days. Bank turnaround times can occasionally influence our recommendations, especially if you have a specific timeframe in mind.

Do you impose any fees?

In general, no. However, there are exceptions that depend on the complexity of your situation and whether we will receive compensation for our services. Any applicable fees will be transparently communicated to you at an early stage.

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