Business lending covers both property and business loans, offering borrowers funds for various business and commercial needs.
We also specialise in providing tailored advice for medicos, professional services, childcare providers, agribusiness, SMSF and NDIS funding. Having an industry specialist on your side ensures you get the right advice and support when you need it, which can be critical to achieving your goals.
The main difference between residential and commercial lending, apart from the types of properties, is the assessment approach. Residential lenders generally adhere to strict policies designed for most loans, rarely straying from the guidelines. In contrast, commercial lending is more flexible, considering the unique and evolving needs of the business.
With this holistic lending approach, the responsibility often falls on a specific banker or credit officer to make the final decision. This method carries higher risk, so business lenders typically mitigate this risk by considering various factors that aren’t usually relevant in residential lending.
Our experienced, qualified team can help you explore various options to find the best, most affordable fit for your business. We’re equipped with extensive knowledge of various industries along with a comprehensive understanding of bank policy to help you navigate the complexities and find you a cost-effective solution quickly.
Whether you're looking to buy, develop, or invest in commercial property, there are tailored financial solutions to help you succeed. We're here to make sure you have the resources and guidance you need every step of the way.
By providing you with the funds to purchase and grow a business, ensuring you have the capital to succeed, you can take that big step confidently knowing you have the resources to achieve your goals.
Managing your cash flow and working capital is crucial for keeping your business running smoothly. Cash flow and working capital solutions provide you with the funds you need to cover daily operations, pay bills, and invest in growth. With the right financial support, you can ensure your business stays strong and resilient.
Business debt refinance helps you consolidate and manage your debts, often at a lower interest rate. It’s about giving you breathing room and a clearer path to financial stability. We're here to help you find the best options and get your business back on track.
Specialised finance using your retirement savings to invest in property and assets, helping grow your nest egg. With our extensive experience in SMSF structures and lending, we make the process quick and easy to understand.
Although we service all industries, below are some of the sectors we work closely with.
Most of the time, nothing. The lenders pay us. In rare instances we will charge a fee for service but we will clearly articulate this prior to progressing with the application.
This can vary depending various factors including the loan type, purpose and amount. There are fast track options available which require minimal information including Business Activity Statements, self-declared business income verification and a personal statement of position. Generally applications for larger loans ($2m+) will require a more comprehensive suite of financial information including, but not limited to, two years of financial reports, tax returns, personal statement of position and ATO portals.
Application and approval times can range from a few days to several weeks, depending on the loan complexity and required documentation. We will be able to provide indicative turnaround times once we understand your specific situation and requirements.
Yes, we offer loans for startups, but they may require a more detailed business plan and higher scrutiny of your personal situation. Lenders seek comfort by sharing the ‘start up’ risk with you so more often than not, security in the form of property or a cash contribution will be required.
Interest rates vary based on the loan type, amount, term, your creditworthiness and the security position. Lenders will assess their risk based on these factors and provide an indicative quote accordingly. We negotiate with the lenders on your behalf to obtain the best rate possible for your situation.
Usually, yes. Fees may include application fees, valuation or legal fees, and ongoing maintenance fees. The beauty of using a broker is our ability to negotiate the reduction or possible waiver of some of these fees.
Secured loans require collateral (property, cash or business assets) to secure the debt, while unsecured loans do not. Secured loans often have lower interest rates due to the reduced risk for the lender. Unsecured loans place a larger focus and reliance on cash flow within the business to support and mitigate the increased risk to the lender.