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Business Loans

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.

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Let's 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.

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.

Variable rate loan


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 rate rises. These loans offer more flexible features like unlimited additional repayment, redraw, and offset account.

Fixed rate


Your interest rate and repayments will stay the same during the fixed term of your car loan.

Principal and Interest loan


Pay off the principal [base loan amount] each month/fortnight, as well as any accrued interest. This might help you pay off your loan faster than an Interest Only structure.

Interest only loans


For a set period of time [usually 5-10 years] you only need to pay the interest on the principal [base loan amount]. This reduces the size of your repayments in the short term but might mean that it takes longer to pay off your total loan amount vs a Principal and Interest structure.

Overdraft


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 that other alternatives due to the increased risk to the lender. You cannot get an overdraft with a fixed interest rate.

Self Managed Super Fund [SMSF]


You can purchase commercial property through your SMSF. Trusts can also purchase a property. This is appealing to some people as separating ownership from your business provides asset protection.

Asset Finance


If you are seeking finance to fund the purchase of new machinery, equipment or vehicles to support your business you'll require an asset finance loan.

Commercial Property Guarantor Loan


If you haven't quite saved up enough for your deposit then a commercial property guarantor loan could help you. This means, a relative, your parents or a friend would use their property as security for your commercial loan purchase.

Borrowing Power Calculator.

How much can I borrow?


Your borrowing power is a critical number to know because it helps you understand how much you can spend on your commercial property. Use the calculator to find out how much you could borrow. We're ready to chat when you are.

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FAQs about

business loans.

  • Can you help me understand my borrowing capacity?

    Of course! Borrowing capacity refers to how much you can borrow from a lender. To get an estimate of your borrowing capacity go to our calculator: How much can I borrow? If you want to get an in depth review of your borrowing capacity, get in touch today.

  • How will you decide which loan is best suited to my circumstances?

    With over 60 lenders, you and I are spoiled for choice. I narrow my search down through talking to you about your wants and needs. I will show you your options, listing the pros and cons of each loan and ultimately we will come to a decision together.

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Ask us a question. We're here to help!

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