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Get Most Competitive Business Loan Interest Rates

Interest rates on commercial credit are critical to the cost of funding, the overall cost of an investment in new assets and can be vital in realising expected ROI and keeping cash flow in check. Sourcing the lowest rates on new credit for our clients is our priority and our specialty. 

Commercial funding rates vary with credit products, across the lending market, for individual operators and often for different types of equipment in different industries. With our smart approach, sharp negotiating skills and expansive lender base, we work directly with our lender contacts to obtain the lowest rates for our clients.

Business Finance Get Most Competitive Business Loan Interest Rates
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Compare Our Competitive Financing Interest Rates

The current low rates we are achieving, clearly demonstrate our capabilities and expertise and what we may realise for your requirements. Rates are based on acquisition of new goods and for enterprises with a good credit profile. While the rate we source for your specific profile may vary from the rates displayed, they provide a valuable tool for planning and budgeting purposes. Contact us for confirmation of interest rates on your specific requirements.

Loan Amount Loan Term
Loan Product Interest Rate Monthly Repayment
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Disclaimer: The comparison rate displayed is calculated for a loan of $30,000 over 5 years. The results from this calculator should be used as an indication only. Quoted repayments are based on advertised rates and do not include lender fees and charges. Results do not represent either quotes or pre-qualifications for a loan. The specific details of your loan will be provided to you in your loan contract. It is advised that you speak with us so that we can provide you with advice that is tailored to your situation.

29 September

Today's best rate

Finance Equipment From

4.99 % Fixed

* The interest rate is calculated on a secured loan for commercial use, effective 29/09/2023 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.

29 September

Today's best rate

Finance Equipment From

4.99 % Fixed

* The interest rate is calculated on a secured loan for commercial use, effective 29/09/2023 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.

Maximise Your Financial Planning
How to Use Commercial Interest Rate Loan Calculator

Our online calculator is a valuable tool for planning preferences in terms, balloons, residuals and total amount prior to applying. Varying the input data including rates changes the repayment amount so the preferred structure can be arrived at to brief our consultants.

  • Compare repayments at different rates
  • Compare rates with different finance options
  • Plan acquisitions to work with cash flow

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Uncover the Variety of Options
Types of Commercial Finance Interest Rates

Rates vary across the portfolio of commercial credit products due in part to the secured or unsecured format. Secured format products attract better rates as lenders have that security against the funding. We can achieve cost-effective rates to deliver solutions that work with turnover and cash flow and contribute to achieving long term objectives.

  • Secured Commercial Loans
    The secured format can attract lower rates with funding driven by competitive rates in the banking sector. We can achieve extremely competitive rates for clients with the goods being purchased or other assets as collateral.
  • Unsecured Commercial Loans
    With, by definition, no security, this product can attract higher rates and may not be offered by all banks. We can achieve competitive rates, driven by our non-bank lenders. Rates may be determined by the turnover over the previous 6 months. Making this a workable option for many operators including new ventures and start-ups.
  • Asset Acquisition Finance
    Different interest rates apply for Chattel Mortgage, Leasing, Commercial Hire Purchase and Rent to Own. Before opting for the lower rate product, clients are advised to consider the full range of features and tax benefits when selecting the most suitable credit facility.
  • Equipment Finance Rates
    Rates offered will vary for different operators, on new and used models and may vary for different industries.
  • Commercial Car Finance Rates
    A highly competitive sector, motor vehicle lending can attract some of the lowest rates in the commercial market. With so many providers in the market, operators can benefit greatly from using our broker services to source the lowest rates.
  • Chattel Mortgage Rates
    With the goods the security for the funding, this product attracts the lowest rates of all asset acquisition products. Rates may vary depending on the type of goods, new or used condition and credit rating.

Stability and Confidence
Secure Fixed Interest Rates for Enhanced Confidence

Interest rates in general can change when the Reserve Bank makes its decisions on the cash rate. Lenders respond in their own way to these decisions and can also factor in their own analysis and forecasts for the economy. This leads to variations across the lending market and may lead to uncertainty for operators planning new credit.

To provide certainty for our clients, we secure most of our commercial credit products with a fixed interest rate. Once secured and settlement finalised, this rate will remain the same over the full lending term. Providing confidence in planning future acquisitions in the knowledge that the credit repayments will not change with rate changes.

Categories of Secured Business Funding

Accelerate Your Venture Success
Fast Access to Lower Business Loan Interest Rates

Rates are very much about risk. The risk assessment by a lender of the ability of the applicant to furnish the amount requested over the timeframe of the funding. The guidelines and criteria that lenders apply to assessing this risk vary. Leading to variations in rates across the market and the opportunity to find that lower rate.

Opportunities that we capitalise on by having a very large lender panel from which we source the best rates at that time for our clients.

We specialise in finance for commercial operators and focus intently on negotiating the lowest interest rates. With our accreditations with more than 80 lenders, we provide fast and direct access for clients to source the most competitive rates that suit their requirements and profile.

  • 80+ banks and lenders
  • Individually sourced and negotiated rates
  • Fast, streamlined channels to lower rates
  • Fixed interest rates
  • 24 hour approvals

Lenders adjust their rates based on a range of factors including changes to the official cash rate and their expectations for the economy. With our industry-level intel and connections, we know which particular lenders are offering the most competitive rates at a particular time and in which particular sectors. Intel and expertise, which our clients benefit from in faster access to the lowest rates on the market and better solutions.

Commercial Loan Rates for Brisbane Area

Workable Financing Solutions
How to Get Workable Commercial Loan Rates

With so many variations in what rates could be offered to individual operators by different banks and lenders, it can be a challenge to find the best rates currently available – when approached by the operator. Using our specialists broker services can significantly reduce the challenges by identifying the most suitable lender immediately and obtaining the most workable rates and solutions.

Accelerate Your Commercial Financing
Fast Approval for Competitive Commercial Finance Rates

Time can be of the essence when securing credit to finalise essential acquisitions. We streamline approvals by handling the process to ensure clients achieve lower rates and better solutions. Request a quote to find out exactly the competitive rates we can obtain for you.

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FAQs
Business Loan Interest Rates

No. Every application for commercial credit is assessed individually by lenders. The assessment includes of the credit profile, the turnover, assets and liabilities, financials and trading time. The amount requested is also considered when assessing applications. The risk assessment of individual operations will lead to variations in rates offered.

Heavy vehicles can be purchased with Chattel Mortgage, Leasing, Rent to Own or Commercial Hire Purchase. The interest rates on these products do vary. The rates for new and used heavy vehicle funding may also vary. Buyers can use the advertised lender rates as a guide to the best rates available at any particular time.

The credit profile and inclusions in the application will be assessed by lenders. Where a self-employed operator has a good credit score and meets certain lender criteria, competitive rates can be offered. Lenders may request self-employed operators offer guarantees against funding. The collateral or security offered may influence the rate offered.

Secured credit products typically attract lower rates than unsecured credit products. Security may be the goods being purchased or other collateral. As the lender has this security, the risk may be rated as lower than for unsecured products. With asset acquisition products, Chattel Mortgage and Commercial Hire Purchase attract lower rates than Lease and Rent to Own.

The format and structure of commercial credit products contribute to the scale of rates. The different format between Chattel Mortgage and Leasing results in different rates on these products across the market.

Rates on commercial credit vary across the market with both banks and non-bank lenders active in the sector. Banks can be extremely competitive with many credit products. In other aspects and areas, non-bank lenders can be more competitive. Some non-bank lenders will specialise in particular sectors such as construction, mining or heavy vehicle funding. This specialty can result in better rates for those purposes. Rates across the lender market can also vary at different times due to varying outlooks for the economy and monetary policy. To obtain the best rates, operators may benefits from a comprehensive coverage of the market.

Buyers can use an online credit calculator to calculate repayments at different rates for new car purchases. The rates offered to individual applicants can vary. Buyers can use advertised rates in the calculator as a guide to assist with purchase decisions.

Lenders will assess commercial credit applications individually to arrive at the rate they will offer on a particular funding requirement. To obtain an accurate and exact rate that an operator may be offered a quote or application would need to be requested.

Yes. The interest portion of commercial credit repayments is treated as a business expense in most instances. Operators should confirm individual requirements with the ATO or their accountant.

No. Lenders may offer varying rates on funding based on the industry sector. This is due to the risk assessment of lending to that sector. This approach can vary from lender to lender. Some lenders will specialise in lending to operators in certain industries. This may result in better rates.

The interest rates offered on commercial credit are determined by individual assessment by lenders. The lender’s criteria and guidelines will form an important part of the assessment. The credit profile of the operator is considered, along with the strength of turnover and financials documentation provided. The age and condition of the goods being purchase also impacts the rate. The amount requested can also impact the rate depending on the risk assessment of the capability of the operator to furnish that amount.

To achieve an affordable interest rate on funding, operators can consider a number of options. Improving their credit profile may be addressed as can improving balance sheet by reducing debt levels. Reducing the credit amount requested may result in a cheaper rate. Engaging the services of a broker may assist in connecting with lending sources that offer lower rates.

The interest rates displayed by lenders online are typically the best rates available at that time. Unless specified, these rates will be for brand new assets and be offered to enterprises with a good credit rating. Every application is assessed individually and an applicable interest rate offered. That rate may differ from the best rate advertised by the lender.

Not necessarily. Banks can be extremely competitive with interest rates on commercial finance. When approving applications, banks will have guidelines and criteria to adhere to. These may be not variable and be applied equally to their existing customers as well as non-customer applications. Applying to the current bank where transaction accounts are held may offer an advantage of the bank having quick access to some financial information. However, there may not be added advantages. Other banks and non-bank lenders may offer better rates.

Most commercial credit products are arranged with a fixed interest rate. This rate will remain the same over the full term of the funding, regardless of RBA decisions. Some products, such as Overdrafts, may be arranged at variable rates which would be subject to change.

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Our Lenders

Trusted by 60+ lenders Australia-wide

Westpac
Liberty
Automotive Financial Services
Macquarie
Finance One
Commonwealth Bank
Pepper Money
Morris
National Australia Bank
RACV
Get Capital
Prospa
Grow
Selfco Leasing
Scottish Pacific