Business Finance: How We Can Help

How We Can Help With Business Finance

Are you looking to purchase a business? Or perhaps you may be looking to grow your existing business? Or maybe you are looking to purchase new equipment or vehicles?

Unlike with residential home loans, where interest rates and fees can be found with a simple Google search, there is an element of mystery when it comes to business and commercial finance.

We arrange commercial property loans, including through a self-managed super fund. Through our relationship with a specialist finance firm, we can also assist you with other business finance.

aPPLY ONLINE CALL: (02) 8004 7459

Commercial Property Loans and Business Finance

How We Can Help With Business Finance

We arrange commercial property loans, including through a self-managed super fund. For other business finance, tell us what you need, and we’ll have a specialist contact you.

Learn More

Types of business finance

We arrange commercial real estate and self-managed super fund loans. We can assist you with the others through the specialist finance firm we work with.

Commercial real estate loans

Secure financing for purchasing, developing, or refinancing commercial properties tailored to your business’s growth and expansion plans.

Equipment and vehicle finance

Invest in the essential tools, machinery, and vehicles your business needs to operate efficiently and competitively.

Inventory finance

Ensure your product levels meet customer demand with flexible financing options designed to support your inventory management.

Debtor or invoice finance

Improve your cash flow by leveraging outstanding invoices, enabling your business to continue growing without interruption.

Working capital finance

Support your day-to-day business operations with working capital finance, keeping your business moving forward.

Franchisee loans

Specifically designed for franchise business models, these loans can help you start, manage, or expand your franchise.

Self-Managed Super Fund

Leverage your self-managed super fund to invest in commercial property, providing a potential long-term growth strategy for your retirement savings.

Unsecured short term business loans

Short-term finance for immediate business needs, usually without collateral.

Term loans

Gain access to a lump sum of capital upfront with a fixed repayment schedule, suitable for a variety of long-term business investments

Loan for businesses or individuals to purchase commercial real estate.

▪ Can be used for property such as retail, industrial, office complexes, aged care facilities, hotels and property development
▪ 25 years loan terms possible. Even 30 years in some situations.

Equipment and vehicle finance

Finance for purchasing business equipment and vehicles.

▪ Chattel mortgages are the most common, along with commercial hire purchases, finance leases and novated leases.
▪ Finance items such as vehicles, plant and machinery, agricultural equipment, office equipment etc.

Inventory finance

Short-term loan (30-120 days) that allows you to purchase stock in advance without using your cash reserves.

▪ You don’t need collateral for this type of loan. The products you buy secure the loan.
▪ You pay back the loan once the stock is sold.

Debtor or invoice finance

Allows you to unlock cash against the unpaid invoices you have already issued.

▪ Lender considers the monies owing to you as an asset and can lend against it.
▪ May be possible to borrow up to 85% of the value of outstanding invoices

Working capital finance

Loan that helps you take care of more immediate and day-today business expenses.

▪ Usually an overdraft type facility where you only pay interest when you draw down funds.
▪ Can be secured by an asset or unsecured. Unsecured generally more expensive

Franchisee loans

Loans to purchase new or existing franchised businesses.

▪ The percentage of the purchase price you can borrow is dependent on the strength of the franchise.
▪ In some cases it may be possible to borrow up to 70% of the business value unsecured or 100% of the purchase price if you offer real estate as security

Self-Managed Superannuation Fund

Finance to purchase commercial property within a Self-Managed Super Fund structure.

▪ Up to 30 years loan term
▪ It may be possible for your SMSF to purchase a property that will be occupied by your business.

Business Loans Unsecured Short term Finance

Unsecured short-term business loans

A faster way to access finance for everyday business expenses.

▪ Loans usually from $5,000 up to $250,000.

Term loans

Commonly used to buy commercial real estate, or buy an existing business or franchise.

▪ Similar to a normal home loan. Up to 30 years loan term with fixed and variable interest rates.
▪ Generally require real estate security.

FAQs

Not sure? Have additional questions? Try here

It depends on the franchise and whether it is an existing business or a Greenfield (new). A number of lenders have a panel of accredited franchises but this panel constantly changes depending on the performance of the existing franchisees. As a general rule of thumb it is usually possible to borrow at least 50% of the purchase price of an existing business and in some cases up to 70%. If you have a property to offer as security then it is possible to borrow 100% of the purchase price. We can assist you with franchise loans through the specialist finance firm we work with.

Some of the banks will review loans annually and will request updated financial information from you each year. Others don’t. Ask the lender or the finance firm we work with.

Some lenders may offer a new facility without tax returns and financial statements if you have a good history on your existing one. We can assist you through the specialist finance firm we work with.

If you hold a current professional qualification and have been in practice for more than 3 years, some lenders may finance plant, equipment and motor vehicles without tax returns and financial statements, subject to other conditions. We can assist you through the specialist finance firm we work with.

Why not give us a call, or send us an email and get a direct response from one of our finance experts. We’d be happy to give you a hand and help point you in the right direction.

5.0from 104 Google reviews

TALK TO A BROKER TODAY

Helping you find the right loan product for your needs.

aPPLY ONLINE CALL: (02) 8004 7459