Commercial Loan

While there are a wide range of commercial property loans available, the most suitable loan will depend on whether you are buying commercial property as an investor or business owner. Commercial property loans are not generally regulated with varying policies implemented on a case-by-case basis. We identify the right lender that matches your business which effectively determines how your application will be assessed.

It can often be a tedious and time consuming task to find and negotiate with lenders whilst running your business. We understand the type of funding your business needs to assist with your projects, expansion or capital injection. Obtaining the right finance solution as well as acquiring an experienced business banker gives your business a solid financial grounding which can be the difference between thriving and surviving.

While increasing your sales is a positive, it can also exhaust your cash flow and put pressure on day-to-day operations. We find solutions available to assist with this and it is often the difference between being able to grow your business or remaining stagnant. These facilities are designed to help you regain control by covering liquidity shortfalls, adding flexibility to debtor/creditor terms and allowing accelerated growth for your business.

Depending on your objectives and business type, investing in equipment is crucial for growth with constant advancements to technology, software and equipment. We find the right type of equipment finance for your business, each having its unique benefits and tax advantages. Once you have determined your capex requirements, we can implement a revolving facility to ensure your business operates at maximum efficiency.

You may be requiring a commercial development loan for construction or renovations. We ensure your eligibility with the right lender by using feasibility studies and cash flow analysis to negotiate and structure your application. We aim to reduce your holding costs and secure finance with maximum borrowing while also having direct access to investor funds that provide solutions for the most complex and non-traditional developments.

As a medical, dental or allied healthcare professional, exclusive services and products are available within your industry to assist with starting or growing your business. We offer medico loans for an array of purposes and can also partner you with a specialised business banker to provide you with effective account structuring, available transactional offerings and merchant facilities specific to your industry.

With private lending fast becoming a conventional method of securing funds, we have relationships with many short to medium term lenders offering flexible solutions for businesses with non-traditional structures. We can setup your finances in stages by placing you with a private lender for ease of approval and maximise borrowing, then ultimately transition you to a traditional lender with lower rates and longer term arrangements.

Popular with many small to medium business owners, an SMSF commercial loan allows your business premise to be owned by your SMSF with the rental income from the property being taxed at a maximum of 15%. With rates and loan amounts varying significantly between lenders as well as stricter policies, there are key variations that we will negotiate on your behalf to ensure you are provided with the best available offer.