Commercial lending.

Whether you're looking to acquire, refinance, or develop a commercial property, our team of experts will work with you to find the best financing options to meet your unique needs.

With our in-depth understanding of the market and years of experience, we'll help you secure the funding you need to achieve your goals.

It’s a common question for small business owners; how do you get your hands on the equipment you need to grow, while still keeping the all-important cash flow and working capital at healthy levels?

Choosing the right asset and equipment finance can give you further benefits than just preserving your day-to-day funds

Motor vehicles

Commercial vehicles

Plant and machinery

Agricultural equipment

Solar power equipment

Computers, photocopiers and phone systems

Medical and dental equipment

Office equipment

General business equipment

Internal fit-outs

Working capital finance is a business loan that can help you take care of your immediate and day-to-day costs.

Like the name suggests, having this type of financing means you have the capital to cover vital operating costs like paying suppliers, covering wages or adding inventory to make the most of busier business periods.

Importantly, it also means you can have funds at hand when you need them to create growth and make the most of any opportunities when they happen.

Have you considered using the funds in your Self Managed Super Fund to invest in commercial property?

The savings you’ve built up in your Superannuation Fund can be used to make investments in a range of asset classes. By transferring your super to a new or established Self Managed Superannuation Fund (SMSF) the opportunity to use gearing to purchase property may become available.

Using your SMSF funds as a deposit, some lenders will approve loans starting at just $100,000 to purchase property, and the income generated from the rental can help meet your repayments.

With commercial property, it may be possible for your SMSF to purchase a property that will be occupied by your business, as long as the rent is at market rates.

Essentially this type of finance is a Term Loan with features such as flexible terms up to 30 years, the choice of principal and interest or interest only repayment, and the options of fixed or variable rates, or a combination of both.

There are many rules and regulations governing your SMSF so it’s important you get the advice of a financial professional, like your accountant or financial planner to assist you to make the right choices.

Sometimes called Invoice Finance, Debtor Finance or Accounts Receivable Finance, this is like a cash advance based on the sales you’ve already made to your customers, without having to wait for the traditional 30, 60 or even 90 day payment periods.

In simple terms, a lender considers the invoices or monies you have owing as an asset. They’ll lend you a percentage of the money that’s owed to you, then pay you the remaining balance once they’ve collected the invoice, less a small percentage.

This type of financing is a relatively quick and flexible way for your business to maintain cash flow, and can have many benefits when compared to other bank loans or lines of credit.

Terms loans are commonly used to buy commercial real estate, or to buy an existing business or franchise.

If you’re familiar with home loans, you’ll understand the principles of how a term loan works. Generally speaking, this type of loan can be used for two purposes – business or property.

Business purposes includes buying a trading business or franchise, a new business start-up or the expansion of an existing business.

The types of commercial real estate purchased encompasses a very broad spectrum. The types of real estate include established, vacant or to be developed land; owner occupied or investment; and zoned from retail, industrial, office, warehouse, factory unit, to specialised property such as aged care facilities, or hotels and taverns.

A faster way to access finance for everyday expenses.

Unsecured business loans are a relatively new option for businesses that need to get access to some extra funds. The obvious benefits of this type of finance is the speed in which access is granted to the finance, with simplified application process. This may allow you to quickly take care of cash flow, cover urgent expenses, or make the most of an opportunity.

In recent years, a number of agile, financial technology (fintech) lenders have entered the finance market in Australia. These more non-traditional lenders can turn around approvals and deposit cash into your account in as little as 24 hours. Because they are unsecured the application is simpler and the loan amounts are often smaller – usually anywhere from $5,000 to $250,000. It also means there is greater risk to the lender so the interest rates may be relatively higher and the loan terms a lot shorter, with principal and interest repayments generally on a weekly basis but sometimes even daily.

While the access to funds can be handy, it’s important to weigh up the repayment terms and amounts to make sure this short-term cash injection helps your business over the short and medium-term.