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Compare Commercial Loans | Best Rate Business Finance
Sharp, smart, strategic and streamlined. Business Finance Australia provides astute and sensible owners and operators with successful funding solutions. Lending at the best interest rates and specifically structured to target key objectives. Funding for all types of enterprises – small and large, new and well-established, in all industry sectors and for the full spectrum of commercial requirements.
This won't affect your credit score
Today's best rate
Finance Equipment From
4.99 % Fixed
* The interest rate is calculated on a secured loan for commercial use, effective 18/11/2024 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.
Today's best rate
Finance Equipment From
4.99 % Fixed
* The interest rate is calculated on a secured loan for commercial use, effective 18/11/2024 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.
Why use us?
Whether investing in assets, acquiring an ongoing enterprise, setting up a new venture or supporting and sustaining an operation for growth and expansion, our highly qualified experts provide the comprehensive lending services needed to achieve your goals.
Our brokers know the lending sector and they understand financials. Providing access to better funding through mainstream credit providers and via our industry-only lender channels. Utilising their expertise to source and negotiate the cheapest commercial credit deals in the market. Supporting clients with our knowledge and proficiency to structure funding in line with their individual challenges, opportunities, balance sheet and projections.
Beat the Queue
Accelerate Your Growth with Quick and Flexible Funding Solutions
Beat the Queue
Accelerate Your Growth with Quick and Flexible Funding Solutions
Who we are
Business Finance.
Australia best finance deals
For more than 20 years, clients have come to us because they want better funding deals and they trust and rely on us to find that best offer, whatever the purpose. They want more personalised service, faster action, greater expertise and closer attention to what they actually need to fund their operation. They appreciate being designated their own consultant who focuses on their requirements, provides a direct line of communication, acts quickly to turn around credit requests promptly, efficiently and with minimal time and effort on their side.
We’re across developments in the economy; up to date with the global and domestic data that impacts rates and operating conditions; fully conversant with the latest tax rulings; and ahead of the curve in incorporating innovations, tech and online access into our commercial model without compromising our customised approach.
For the financing you require, get the world-class service and individual respect that you expect, and deserve. To achieve solutions at rates and terms that really do work towards better productivity and profitability for your operation – speak with us today!
Fuel Your Commercial Expansion
Tax-effective Secured Financing
Complete portfolio of secured asset acquisition credit including:-
- Chattel Mortgage Loans – versatile, flexible and the cheapest rates.
- Leasing and Rent-to-Buy – ideal off balance sheet option to meet specific objectives.
- Commercial Car Financing – individually sourced and structured deals for all types of new and used vehicles.
- Plant, Machinery and Equipment Finance – credit for assets used in all types of operations across all industries – agriculture, manufacturing, construction, commercial, health and medical, mining, logistics and transport, professional and personal services and others.
Heavy Vehicle and Truck Loans – tailored to suit the vehicle and industry with truck and trailer, prime mover, truck trailer, heavy, medium and light duty vehicle options.
Seize Growth Opportunities
Capture Opportunities with Unsecured Commercial Loans
We know that opportunities present that require credit but where no collateral is available. Our consultants negotiate directly with lenders to achieve the best rates and the most workable terms and conditions for unsecured credit solutions.
Cost-effective deals for non-asset acquisitions, professional services, systems and processes installations not suited to asset lending, training and development, product development and research and other purposes may suit this option. Have a no-obligation discussion with us about your plans and requirements.
Tailored Financing Solutions
Individually Structured Bank & Non-Bank Loan Options
We go well beyond providing rate charts to compare or calculators to get quick estimates. Our experts work closely with every client to obtain the most cost-effective lending offer. Using expertise and experience, we take into account the current and projected financials of the enterprise and source the most suitable solutions that will work.
Our vast lender base enables us to source the most cost-effective option from both mainstream banks and non-bank credit providers. Negotiating directly with our contacts to get the terms and conditions that will support our client.
Quick and Personalised Service
Fast Attention, Personalised Service for Small Enterprise Loans
Micro enterprises, ABN holders, sole traders and other smaller concerns often feel excluded from access to better credit options. We are fully inclusive, providing credit to all sized enterprises with specialist options which are specifically designed for smaller operators.
- SME Commercial Loans for cars, trucks, equipment and general cash flow support.
- Sole Trader Commercial Loans at competitive rates and workable terms.
ABN Loans which take into account the prospects, opportunities and plans of the operator.
Secure Funding
Turn Your Entrepreneurial Vision into Reality with Start-up Funding Solutions
As practical and pragmatic experts, we appreciate that an enterprise has to start somewhere! When setting up a new venture it is completely realistic that the owner may require start-up funding in some form. With vast lender options and a comprehensive credit product portfolio, we have the resources and most importantly the enthusiasm and willingness, to assist new operators get their start. You’re sure to appreciate our interest in what you’re doing and the smart credit options we can provide. Discuss your ideas and plans with us and we’ll advise the options available to you.
Optimize Your Cash Flow and Revitalise Your Operations with Strategic Loan Restructuring
With our smarter and sharper approach to commercial lending, we provide options and alternatives that are targeted to the specific challenges faced by many operators. Options which are designed to ease cash flow pressures, facilitate growth, free-up resources, meet large annual commitments and address ongoing issues which impact operations.
- Refinancing – structured lending to assist operators achieve better outcomes to meet specific objectives.
- Non-bank Overdraft – versatile and flexible option to address cash flow shortages available through non-bank credit providers at competitive rates.
- Insurance Premium Funding – deal with those huge annual premiums with this simple, streamlined solution.
- Debtor Invoice Funding – address the challenges presented by slow-paying or long payment terms contracts with this practical, low-cost solution.
Expand Smartly with Competitive Rates
Find Low Rate Startup Acquisition Finance for Expansion
Achieving expansion and growth through acquiring another enterprise can be strategically effective. But to be a profitable move over the long term, the lending arrangements must be accommodative. That starts with low rates, the right credit provider and sharp attention to the structure. Our consultants work with the buyer to fully understand the long-term objectives and select a lending source that shares and appreciates that vision.
We have access to a range of low rate products which offer clients the flexibility required for both simple and complex acquisitions and mergers. Have a no obligation discussion about how we have worked on mergers and acquisitions, showcasing our acumen in understanding financials to deliver a better solution.
Flexible Financing Made Easy
Workable Types of Low Doc & No Doc ABN Loans
As specialists in commercial funding, our services extend to operators that do not have all the documentation as required by many credit providers. Sourcing cost-effective credit can be a major challenge for operators in this position and the lack of options can inhibit prospects to grow and realise greater productivity.
We enable operators with less or no financials and other docs to access workable credit for a range of asset acquisitions and cash flow purposes. Competitive rates through our extensive non-bank credit provider network and personalised attention from our consultants are your assurance of a workable outcome.
Empowering Entrepreneurs
Apply for Loans with Bad Credit or No Credit Checks
Operators with issues around credit, bad credit history or poor rating are welcome to speak with us about the options which we may be in a position to offer. All approaches are treated in the strictest confidence, with consideration of the circumstances and without judgement.
Current Rates
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Streamlined and Accessible
Online Efficiency and Accessibility – Business Loan Calculator
We continue to step up our business model by incorporating the latest technical innovations into our service offering to provide increased efficiencies for our clients. Our online Calculator and Rate Comparison provide instant access for operators to obtain quick estimates on their funding requirements.
- Immediate Access Online Finance Calculator
- Free and Simple Operation
- Compare Rates, Funding, Makes and Models of Goods
We have also introduced an online form in the pre-application phase to better assist operators connect with the most appropriate rates, products and lenders.
While online resources are effective for many clients, we fully appreciate and respect that not everyone is confident and comfortable with that approach. More importantly, the work of our consultants on a one-to-one basis can be critical in acquiring the best funding deals. Getting to know everything about the client’s financials to ensure we source the best deal is essential.
Utilise our online resources to obtain initial information and estimates at times and places that best suit you. Then, or alternatively, engage with us online or by phone to discuss your individual specifications.
This calculator comparison chart is provided for general reference purposes only. It is not in any way intended as a loan application, it is not a quote for finance or any indication that an application has been received or approved. The repayments quoted may not include all the fees and charges that may be applicable. The interest rates and the repayments displayed do not account for any conditions pertaining to your individual loan application. Therefore the interest rate and repayment you may be offered may vary from the amount shown.
Optimise Your Financial Situation
Find the Most Cost-effective Loans
Clients trust our expertise and our 20+ years of commercial lending experience to find them the most cost-effective credit currently available. Our commercial broker services are available to all types of enterprises, regardless of size, turnover or how long they have been trading.
Working with a broker to source funding is the preferred option for many owners that appreciate the time they can save and the high level of expertise they can easily access. We welcome your call to discuss how we can work with you to achieve your objectives.
Our extensive time in the lending sector has afforded us the privilege of accreditation with more than 80 banks, including the Big 4, and non-bank credit providers. Our consultants know each of providers and what types of products, industries and enterprises they are best suited to.
- High Level Access to 80+ Banks and Non-Bank Lenders
- Specialist and General Commercial Funding Lender Markets
We save clients the time, confusion and working through the complexities of handling funding by themselves. Handling the entire procedure from initial enquiry through to settlement, while keeping them up to date and with all the power to make all the decisions.
The commercial funding sector is extensive and continually expanding as more non-bank lenders enter the Australian market. The non-bank providers can be extremely flexible in negotiating terms and highly competitive in regard to interest rates. These providers form a valued and integral part of the market and our lender panel.
But many of these providers operate on a different model to traditional banks and credit providers. Opting to engage with customers only via their selected broker network. Our consultants give our clients access to these specialised credit channels and with that the prospect of even more cost-effective solutions and high level expertise.
To be eligible for commercial lending, operators will require a current ABN and identification. To complete the standard application form, documentation around the financial status of the enterprise is requested.
To streamline the initial pre-application and quick quote stages, we utilise smart programs with the latest tech resources and processes. This is followed up by personalised attention from your own consultant with experience specific to your funding requirements and your industry sector. Effectively fusing the best of available techniques and systems with world-class service, to ensure more targeted and more successful outcomes in a shorter timeframe.
Connect with us by phone or online for access to high-level financial expertise and the major banks and commercial credit providers. We’ll find the funding that addresses your specific requirements now and will support your operation over the long term.
To get started, just answer a few basic online questions so we can direct you to our consultant with expertise most closely aligned with your industry sector.
- Apply Online
- Apply by Phone
- Fast Approvals within 24 hours
We work with clients across Australia, providing the same high level attention and service to all locations.
SYDNEY – MELBOURNE – PERTH – BRISBANE – ADELAIDE – DARWIN – HOBART – CANBERRA
ALL STATES AND TERRITORIES – CITIES, REGIONS, REMOTE AREAS.
NSW – VICTORIA – QLD – WA – SA – TAS – ACT NT
Our Lenders
Trusted by 60+ lenders Australia-wide
Trusted by 60+ lenders Australia-wide
FAQs
Business Finance FAQs
Yes, subject to the specific guidelines of individual brokers. Many brokers will offer services to all types and sizes of commercial set-ups while some may specialise in working for only some types of operations. Some brokers may also specialise in certain industry sectors or with specific financial products.
Commercial loans all offer tax deductible elements. These vary with the different products including Chattel Mortgage, Leasing, Rent to Own and Commercial Hire Purchase. Interest payments are all tax deductible. With Leasing and Rent to Own the repayments are tax deductible. With Chattel Mortgage a tax benefit is realised through depreciation.
The interest rates vary with the different funding products. Rates will change across the market with changes in the cash rate by the Reserve Bank. Rates will differ depending on the individual application and credit rating. Rates can vary for equipment in different industries. Credit providers will advertise their best rate for good credit rating applicants.
Yes. Having a current ABN is an essential requirement to be eligible for commercial funding products. Additional documentation on the financials of the operation and other details will be requested as part of the application process. If not all documents are available, ABN holders may seek No Doc or Low Doc options.
The same products apply across all industries and types of operations. But the funding offers can vary across different industry sectors for some credit products. This may occur with equipment and machinery in particular. Interest rates on equipment funding may be different from one industry to another. This may be due to risk assessment of the sector or the individual guidelines of a particular lender. Vehicle funding interest rates would be less subject to industry variations.
The type of credit product best suited to a commercial enterprise will depend on:- accounting method used; balance sheet approach; approach to tax; and financial objectives. The most popular options are Vehicle Leasing and Chattel Mortgage. Operators are advised to discuss choice of product for suitability with their accountant.
Cash flow support may be sought through an Overdraft Facility or a Secured or Unsecured Funding Option. All may be sought to support an operation with ongoing expenses to support cash flow.
New start-ups with an ABN are eligible to apply for all types of commercial loans. As most will not have all the documents for the application, they may seek No Doc and Low Doc options through specialist providers and brokers. Funding can be sought for vehicles, trucks, equipment and other purposes.
To be eligible for commercial loan, applicants must hold an ABN and identification are essential requirements. GST registration is not essential. A selection of documentation, docs, is requested. This may include tax returns, BAS returns, trading figures, bank statements, balance sheets and annual accounts.
Refinancing may be considered for many types of commercial funding arrangements. These may include asset acquisition funding, overdrafts as well as general secured and unsecured arrangements. Refinancing may be sought for a range of purposes including to achieve a lower interest rate, restructure repayment schedule or as part of a business-wide review of financials.
In general terms, any equipment which is for use in a commercial operation may be eligible for commercial funding. The ATO sets out eligibility for tax deductible asset acquisitions. The type of equipment will vary depending on the industry. It can include heavy machinery and equipment right through to general equipment such as computers, IT and photocopiers. Lenders may have their own guidelines as to what equipment they will fund.
Commercial financing is available through major and second tier banks and a wide range of non-bank lenders. Brokers offer services to assist operators to source funding to suit their requirements.
Rates are offered following an assessment of the application. The rate will be based on the credit rating of the applicant, the amount being applied for, aspects of the goods or purpose of the funding and other aspects. Rates offered vary across the lending market and are subject to the individual guidelines of the credit provider. Changes to monetary policy by the Reserve Bank can impact the interest rates market.
Features and structure of commercial loans should be assessed in relation to the accounting methods and objectives of the company. Consulting with an accountant can assist with this process. The best option is the one that suits the individual objectives and goals.
No. ABN holders and sole traders that are not incorporated are still eligible for commercial loans. Some lenders will have guidelines around application approvals. Small enterprises may seek a credit provider that accepts applications from their type of operation or seek assistance from a broker.
