Looking to buy commercial property, fund business operations or buy business equipment? We’ll help you choose the right commercial loan to achieve your goals.
Find the right commercial loan for your business.
Finding the right commercial loan starts with making the right choices, but when you’re busy running a business, it’s never that easy. That’s where we come in.
Whether you need to upgrade your warehouse space, expand stores or find a bigger office, we will help you navigate the commercial loan minefield, ultimately finding one that works for you.
How we can help unlock your business boom.
Financing features
Achieving your business objectives starts with knowing exactly what you want. With our expertise, you can take advantage of cashflow finance, term loans, overdrafts and leasing finance.
Business plan
I can help you gain a solid understanding of your business strategies and objectives, we’ll then start scouring the market to find you competitive rates and flexible long term payment plans that are most suited to you.
Long term loans
We’ll look at your long term loan options so you can stay focused on your business, while setting yourself up for future success.
Loan types and features
Here are eight different loan types and features to be aware of. Once we’ve had a chat we can discuss which option might be best suited to your circumstances. We are here to help answer your questions when you’re ready.
As the name suggests, the interest rate can change over the life of the loan. This gives you flexibility but can also leave you open to interest rate rises. These loans usually offer more flexible features like unlimited additional repayments, redraw and offset accounts.
Basically, this is the opposite of a variable rate loan. Your interest rate and repayments will stay the same during the fixed term, no matter what. So no surprises.
Basically, this is the opposite of a variable rate loan. Your interest rate and repayments will stay the same during the fixed term, no matter what. So no surprises.
For a set period of time (usually 5-10 years) you only need to pay the interest of the loan, rather than the principal (base loan amount). This reduces the size of your repayments in the short term, but it might mean that it takes longer to pay off your total loan amount vs a principal and interest loan.
Your lender will agree to provide you with a credit limit and you can borrow up to that limit. Typically the interest rate will be higher than other alternatives due to the increased risk to the lender. You cannot get an overdraft with a fixed interest rate.
You can purchase commercial property through your SMSF. Trusts cans also purchase a property. This is appealing to some people as separating ownership from your business provides asset protection.
If you are seeking to finance the purchase of new machinery, equipment or vehicles to support your business you’ll require an asset finance loan. We’ve helped finance everything from kitchen equipment to combine harvesters, over the years.
If you haven’t quite saved up enough of a deposit then a commercial property guarantor loan could help you. This means a relative, your parents or a friends would use their property as security for your commercial property purchase.