Business Loans

Helping you buy property through your business

Explore your options for commercial finance with us

Commercial finance can be a great option for business owners who prefer to buy their business premises instead of renting a commercial property.

What you’d usually pay in rent goes towards owning an asset instead of paying off someone else’s property.

A commercial loan will give you a lump sum of money and offers flexibility in terms of:

  • Fixed or variable interest rates
  • Repayment options (principal and interest or interest only)
  • A defined loan term.

But it’s important to note, that even though you’re buying a property, it works differently than a regular mortgage.

  • The loan must be paid back in full in the agreed term
  • There’s no redraw option for fixed loans
  • The loan account can’t be used as a transaction account
  • You’re often asked to provide ‘security’ in the form of another asset to get the loan.

Work with your local experienced commercial broker in Adelaide.

Two main types of commercial finance

Commercial Property loan

As the name suggests, a commercial property loan is used as a way for businesses to purchase real estate needed to operate their business or expand operations.

Asset Finance

Asset Finance is used to purchase assets and equipment a business needs to grow without having to pay it all upfront. Instead, they pay off over time – usually a short-term loan. Asset finance can be used to fund any asset– typically, people use it to buy equipment, computers, transport, or tools.

Work with Mortgage Brokers who get business

Understand your options

Get to know the types of loans available, and how they work.

Get bank ready

We show you how to prepare what lenders need with your application.

Know what you can borrow

Explore your borrowing power with our modelling tools.

Structure that works for your business

We’ll shop around for a commercial option that works in with your cash flow.

How it works

Get to know your business goals

Typically, lenders like to see proof of your business operations before approving a loan. In readiness, we explore how your business works, your plans for it, and cash flow.

Work with your accountant

Your accountant and us work as a team to get you finance ready. We discuss your goals and loan application to work out what they need to provide the lender (from tax returns, P&L statements, statement of accounts etc) and call out any other financial impacts we need to consider.

Decide the type of loan you need

Based off our business exploration, we’re able to shop around for a solution that will support your business plans.

Recommend options and how to structure your loans

Once we find the best deal/option for you we share our recommendations.

Approved finance

Our team works with your lender from the start through to loan approval and completion.

Ongoing guidance

Business rarely stays still, so we act as a guide and can explore more finance options if your business operations change.

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