COMMERCIAL & BUSINESS FINANCE

Buying an office, warehouse, retail property, medical premises, industrial property or another commercial asset?

We can help you explore finance for:

• Commercial property purchases 
• Owner-occupied commercial property 
• Commercial investment property 
• Property purchases through companies or trusts 
• Commercial refinancing 
• Equity release 
• Property portfolio expansion 

The way a lender assesses commercial property can be very different from a standard residential loan. We'll help you understand what information is required and how the lending may be structured.

Planning a development or looking to fund your next project?

Development lending can involve considerably more than simply looking at the value of the finished property.

We'll work through the project requirements, including:

• Land acquisition 
• Construction funding 
• Development costs 
• Project feasibility 
• Existing debt 
• Equity requirements 
• Pre-sales where required 
• Exit strategy 

Whether you're an experienced developer or looking at your first project, we'll help you understand the finance requirements before you get too far down the track.

Sometimes the funding you need isn't tied to a property.

You might be looking to:

• Expand your business 
• Purchase another business 
• Fund a new location 
• Purchase stock 
• Manage cash flow 
• Consolidate business debt 
• Fund a large contract 
• Cover working capital requirements 
• Take advantage of a business opportunity 

There are different types of business finance for different situations. We'll help you work out what type of funding makes sense for what you're trying to achieve.

Need to buy the equipment that keeps your business moving?

We can help with finance for vehicles, machinery, plant, equipment and other business assets.

That could include:

Equipment | Vehicles | Machinery |

 Plant | Commercial vehicles | Business assets

Tell us what you're buying and how you're using it. We'll help you work through the finance options.

A declined application doesn't necessarily mean there is no way forward.

Different lenders have different policies around:

• Business income 
• Industry and business type 
• Company and trust structures 
• Existing debt 
• Property types 
• Loan-to-value ratios 
• Financial history 
• Trading history 
• Serviceability 
• Security 
• Documentation requirements 

A lender saying no is a decision by that lender. It doesn't automatically tell you what every other lender will do.

If you've already been knocked back, let's look at why and work out what options may exist.

The lowest advertised rate isn't necessarily the right starting point.

We look at the bigger picture, including:

Structure
How the loan is set up can matter just as much as the rate.

Lender policy
Different lenders have different appetites and assessment criteria.

Loan term & repayments
The way the debt is structured needs to make sense for the business.

Your longer-term plans
Today's finance shouldn't unnecessarily make tomorrow's funding harder.

The purpose of the loan
Property acquisition, business expansion, working capital and development finance can all be assessed differently.