Jumpstart Your Business

With Our Bespoke Business Loans

Grow your business with confidence backed by our business finance to suit your needs.

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Why Choose Our Business Finance & Commercial Loans?

We get to know your needs

We take the time to understand your business, so you get the right loan for you

We give you an honest review

We aren’t aligned with any lender or bank, so you’ll get a real comparison.

We make the process effortless

Let us handle the paperwork while you focus on more important things.

Ready to make a change?

Our simple application process means money in your hands faster!

Brighten Your Future with Our

BUSINESS FINANCE & COMMERCIAL LOANS

Growing your business can be difficult, especially if you are struggling with cash flow or you don’t have the funds you need. Our business finance and commercial loan solutions allow you to make the changes your business needs now, so you can start working towards a better future.

 

Business-Finance-&-Commercial-Loans

The Power of the Right Business Loan

How Can We Help Your Business?

Our expert broker, Lukas Best, can help you secure a loan for your business needs, including working capital, vehicles, new equipment, renovations, debt consolidation, financing your taxation debts and more.

We make the whole process as stress-free as possible, because your work is already stressful enough! Let our business & commercial finance professionals find the perfect loan to suit your needs, so you can spend more time growing your business.

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Our Business Loan Process

How We Get You The Right Commercial Loan

 

We Put The Microscope To Different Lenders & Business Loans

We assess a wide range of commercial loan products from lenders in direct competition with each other.

We Compare Most Business Loans With What You Need

We consider what you want to achieve with your commercial loan, which means the product we recommend is tailored to you

We Make Recommendations That Suit You, Not Lenders

Our finance professionals don’t represent a bank or any single lender, so we’re not pushing a specific loan product. We only want to secure the more competitive loan for you, our client.

We Deal With The Lenders, You Deal With The Money

Our dedicated commercial financial professionals will organise your loan, so you can go back to growing your business.

Ready to make a change?

Our simple application process means money in your hands faster!

Still Have Questions?

Business Finance & Commercial Loans FAQ

If you have any questions about our business loans and what your options are, we are more than happy to help. To streamline this process, we’ve answered some of our most frequently asked questions.

 

Unlike the banks, we don’t benefit from recommending any lender or loan. Instead, we focus on doing a great job for your business and saving you money on your business loan, so you’ll consider working with us again in the future.

You will need to pay a small fee for our service, but this will be negligible compared to the cost of your loan. Finding a cheaper business loan could save you a lot of money in the long run, and it is definitely worth knowing what is out there and what fees you can expect with each loan.

Each lender will have different requirements, so you might be ineligible for some lenders depending on the nature of your business.

Here are some potential minimum requirements for your average business loan:

  • Australian-registered business with an ABN or ACN
  • 6-12 months in business
  • Annual turnover of $50,000
  • Personal credit score of 650
  • Personal income 1.25 times greater than personal expenses
  • Potential collateral

These won’t apply for all business loans, so if you don’t meet one or more of these requirements, there is still hope. The first 3 of the above list will be pretty much universal, so try to meet those requirements first.

If you need money now and aren’t yet meeting these criteria, come and talk to us about your options.

A business loan lets you borrow money to cover business costs and help you grow your business.

This can come in many forms such as:

  • Business overdraft loans – a loan that allows you to overdraw an approved amount of funds from your transaction account, with interest being charged on the overdrawn amount.
  • Line of credit – an agreed amount of credit you can draw from if necessary.
  • Secured business loan – a loan that requires security against the loan in the form of an asset, such as property.
  • Unsecured business loan – a loan that does not require any collateral, which may result in smaller loan amounts or higher interest rates.
  • Fixed rate loan – Similar to fixed rate home loans and other types of fixed loans, a fixed business loan has a steady interest rate throughout the life of your loan.
  • Variable rate loan – A variable business loan, on the other hand, will have an interest rate that is subject to change. These changes could be due to decisions made by your lender, or the official tax rate set by the government.

There are lots of types of business loans, designed to suit different needs and situations. We can help you choose the right one for you, and find the lender who will give you the best rate.

Business fees can vary between lenders, especially regarding amounts. Here are some of the fees you can expect:

  • Upfront fee – one-off set up cost that you will pay for the establishment of your loan.
  • Ongoing fee – you will be charged for the administration over the life of your loan
  • Prepayment penalty – fee for prepaying on your loan balance, to protect the lender from loss of paid interest.
  • Late payment fee – any late payments will usually cost you around $10 to $35, or 2-5% of your outstanding balance
  • Unsuccessful payment fee – similarly to late payments, if your payment fails due to lack of funds or any other reason you will be charged a small fee.

The types and amounts of fees you will be charged depends on your loan. We will outline the fees for you associated with each loan, and take these into account when making a recommendation for you.

Your credit history will usually come into play when applying for a business loan. However, a bad credit score doesn’t have to mean that you can’t get a loan.

Once you’ve completed our application process, we will find you the best loan for your situation. If your situation is bad credit, we will look for lenders who aren’t put off by your credit score. This may decrease the amount you can borrow, or increase your interest rate though, so it is possible that the loan you need won’t be possible.

For more information about getting a loan with bad credit, talk to our expert brokers.

The business loan approval process can take around 10 to 15 days, but some lenders can do this process much faster. If you need fast approval for your business loan, we will take this into consideration and give you recommendations that fulfil your requirements.

Different lenders will ask for different things during the application process. However, when you choose us for your business loan, we will handle the application process for you and make it as easy as possible.

We will first discuss what you need from your business loan. This can be done face-to-face or over phone/email correspondence, whatever works best for you. We will then present the best loan options available for you, and collect the necessary documents and information.

We deal with the bank for you, so once this is done your part will be over. We will then take your details to the lender you choose and do the application process for you.

If we didn’t answer your question, get in touch with our friendly Brokers

 

Looking for Other Services?

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Financial Planning & Strategies

While you take care of your business’ finances, are you neglecting your own? Secure your financial future with estate planning, asset protection and wealth management.

Secure Your Future

Business Improvement Programs

Grow your business with the help of a business expert by your side. Talk to our partner, Quarles, about how they can help you achieve your business goals.

Grow Your Business

Tax & Accounting Packages

Running a business can be very stressful, especially when it comes to managing your books. Simplify your tax and accounting system and start working smarter.

Simplify Your Accounting

Let’s Talk

We’re Ready To Find You The Right Business Finance For You!

 

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