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What do you need to know about commercial loans?
There are many possible reasons a business might need finance. You might want to kickstart your growth by investing in new equipment, expand your operations through buying a new property or secure a cashflow boost to cover your day-to-day operations.
First, the good news.
There are hundreds of lenders in Australia, offering a bewildering array of different commercial loan options. So no matter your circumstances, there’ll be a lender that’s a good fit for your business.
The problem, though, is figuring out which one.
Before a lender puts its money on the line, it wants to know how likely you are to repay the loan. So you’ll probably need to provide a detailed business case for the loan. It’s also likely the lender will forensically examine your financials.
When you’re buying commercial property, the process will likely be even more complex and time-consuming. Different properties come with different levels of risk, depending on their location, lease, condition, the state of the economy and more. Each lender will assess those things differently. And each lender will have its own unique lending criteria.
So it pays to partner with a commercial finance expert … which is where Commercial Loans comes in.
We’re commercial finance specialists, so we focus on business loans and commercial real estate. We’ve also got decades of collective experience and deep industry connections. So we know which lenders to approach – including those in the business of granting no credit or bad credit commercial loans.
So if you want a commercial finance broker that can cut through the noise, negotiate the best deals for your unique situation and do the legwork for you – you need us in your corner.
Testimonials
What do our clients say about their experience?
“Amazing!! Superb customer service. Quick turnaround. Commercial Loans always go above and beyond, following through with everything they promise. Will definitely be a lifelong customer based on this experience.”
Alison K.
“What more can I say…. Professional, efficient, always looking out for the best interests of the client. Commercial Loans simply get the job done!”
John D.
“Due to the complex nature of our situation, I have had very disappointing experiences in the past. But dealing with Commercial Loans has been an absolute pleasure. They look outside the box and really listen to what funding requirements you have. We felt totally supported throughout the process. You should give them a try!”
Stuart P.
Why get a commercial loan?
The right commercial loan can provide a tremendous boost for your business, even if you have to jump through hoops to secure the finance.
What sort of boost? Well, with the right commercial loan, you can:
- Cover your business expenses and operating costs during seasonal fluctuations
- Expand your business or invest in new equipment without depleting working capital
- Buy your own premises or warehouse so you have complete control
- Take advantage of a great opportunity when it comes knocking
Commercial loans can come with flexible terms, tailored to suit your business’ needs. And once your loan has settled, you can access the funds you need right away. Fantastic.
Even better, you’ll get the capital you need without compromising your ownership or control of the business. Interest rates on commercial loans can be very competitive too, although the rate you get will depend on the lender and your business’ risk profile.
This brings us to an important point – and we can’t stress this enough: you need to choose the right lender and finance package for your unique situation.
That’s because the needs of, say, a business startup wanting to expand operations will be very different from those of a commercial property investor looking for development finance.
If you structure your loan application incorrectly, you’ll likely get rejected. That won’t just mean a massive waste of time. It might also damage your credit score. Ouch.
But Commercial Loans can help you mitigate that risk. How? In these three ways:
- Our connections – We’ve got relationships with over 100 lenders
- Our experience – We know which lenders will and won’t approve your loan
- Our expertise – We specialise in commercial finance, so we know it inside-out
So when you partner with Commercial Loans, we will:
- Identify the right lender and finance package for your unique needs (including borrowing up to 100% of a commercial property’s value, subject to additional security)
- Highlight your strengths in the application, so you’re more likely to get approved
- Negotiate the best possible loan terms and interest rate
So whether you’re buying a commercial property, expanding your business, investing in new machinery or refinancing to a better loan, it pays to have Commercial Loans in your corner.
Talk To The Commercial Loans Team Today
Email Address
admin@commercialloans.com.au
Call Us
1300 169 200