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Smart, Sharp, Strategic Commercial Loans Specialist

Get the right deals for all your commercial funding with our smart, sharp and strategic lending services. Utilising smart technology and direct connections with more than 80 leading lenders, we are resourced and skilled specifically to secure targeted solutions for our clients. Lending solutions sourced with lower rates and structured terms and conditions to meet specific client funding objectives.

Business Finance Smart, Sharp, Strategic Commercial Loans Specialist
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Discover the Best Commercial Loan Rates for Your Venture
Compare Our Current Commercial Loan Rates

As specialists in commercial lending, we more than appreciate the significance of interest rates on funding for our clients. The rate can be the difference between success and ongoing challenges, long-term cash flow pressures and profitability and be integral to achieving target ROI and productivity gains. We focus on skilfully negotiating lower rates to achieve positive solutions that will deliver for our clients. Compare our current rates and call for a confirmed quote for your funds.

Loan Amount Loan Term
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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.

30 September

Today's best rate

Finance Equipment From

4.99 % Fixed

* The interest rate is calculated on a secured loan for commercial use, effective 30/09/2023 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.

30 September

Today's best rate

Finance Equipment From

4.99 % Fixed

* The interest rate is calculated on a secured loan for commercial use, effective 30/09/2023 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.

Streamline Your Commercial Loan Estimates with Our Quick Calculator
How to Get Quick Estimates with Commercial Loans Calculator

While all applications are addressed on an individual basis in regard to the interest rate and funding conditions, business owners and managers can utilise our online calculator to obtain rough estimates for planning and to prepare budgets and forecasts. Vary the amounts entered to arrive at the ideal combination of amount, rate, balloon and terms structure to meet requirements.

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Maximise Your Venture Potential
Capitalise on Our Proven Commercial Financing Expertise

Astute enterprise owners and operators know the benefits to their operation of using resources and assistance from experts. Which is why so many Australian companies, sole traders, ABN holders and large corporations have taken advantage of our expertise to secure their funding needs.

Clients benefit from capitalising on our 20+ years of experience, our accreditations and leverage with the commercial lending market, enterprise and financial acumen and in-depth knowledge of the Australian taxation and accounting system. We have invested in incorporating smart technology into our operation to complement the skills and experience of our brokers and provide the most streamlined and efficient service.

We support clients by finding the right deal from our impressive lender base of more than 80 leading banks and specialist non-bank lenders. Optimising funds to meet client requirements and current tax benefits. We are Australian owned and operated so clients can access our brokers quickly and easily and know they are receiving up-to-date local knowledge and experiences.

  • 80+ lenders
  • Smart technology
  • Australian-based
  • 20+ years of local experience
  • Commercial lending specialists
Leverage Our Established Expertise in Commercial Financing

Tailored Commercial Finance Solutions
Get Strategic Commercial Finance Solutions

Using a specialist commercial lending broker delivers many benefits to a wide range of operational set-ups. From small micro operators and sole traders facing challenges meeting the criteria of major banks; time-challenged SMEs seeking to source funds efficiently; through to large companies that appreciate the value of a specialist to handle their simple and complex funding structure.

Whatever your specific objective, whatever the size of your operation or the industry, our brokers are ready to discuss how we can assist you.

Acquire Strategic Solutions for Business Financing

Explore a Diverse Range of Commercial Loan Types
Comprehensive Portfolio of Commercial Loan Types

As specialists in our field, we offer a comprehensive portfolio of lending options to address all requirements.

  • Commercial Car Loans: Funds for acquisition of all types of vehicles to be used in a business operation, new and used. Vehicles including utes, cab chassis, SUVs, wagons, vans, passenger cars and other body types. Funding for single vehicles and entire fleets. Choice of asset acquisition credit products to suit business structure, accounting methods and balance sheet strategies.
  • Commercial Equipment Financing: Funding for acquisitions of plant, machinery and equipment to be used across all industry sectors. Construction, mining, earthmoving, medical and health, professional and personal services, hospitality, manufacturing, engineering, retail and general business and other services.
  • Commercial Truck Loans: Truck only and truck-trailer combination lending options are available. All types, makes and models of light, medium and heavy duty vehicles both new and used. This includes refrigerated trucks, car carriers, livestock carriers, B-doubles and many others. Fleet and single vehicle acquisition options.
  • Commercial Loans: Secured and unsecured funding sourced to meet specific objectives. Funds for short and long term cash low support, investing in growth and development, import and export requirements, general expenditure and other purposes. Structured solutions at cost-effective rates and terms. Low Doc and No Doc Options.
Obtain Tax-Efficient Solutions for Commercial Financing Needs

Optimize Your Commercial Financing with Tax-Smart Solutions
Get Tax Optimised Solutions to Commercial Financing Requirements

  • Asset Acquisition – Chattel Mortgage, Lease, Rent to Own, Commercial Hire Purchase
  • Cash Flow Support – Overdraft, Secured and Unsecured Funds
  • Non-asset Expenses – Secured and Unsecured Funding, start-up funding
  • Refinancing – across all types of funding
  • Insurance Premium Funding – ease cash flow pressure of large premium payments
  • Invoice Funding – cost-effectively address accounts payable issues
  • Commercial Property Acquisition funding

Experience Swift Approvals and Efficient Settlement
Fast Approvals, Prompt Efficient Commercial Financing Settlement

Utilising our services is not adding another step or layer of time and complexity to the funding process. We actually save clients time through be in a position to offer extensive coverage of the commercial lending market to source the right deals quickly and efficiently.

Using our leverage with lenders and our technology, we process applications and approvals efficiently and assist with every stage of the process through to settlement.

Approvals can be received within 24 hours.

Quick Approvals, Efficient Commercial Financing Settlements

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Acquire a Commercial Financing quote

FAQs
Commercial Loans

Motor vehicles can be financed with Chattel Mortgage, Leasing and Commercial Hire Purchase. The choice of credit product will depend on the method of accounting used by the entity; balance sheet strategy; approach to taxation; and general objectives.

In the commercial lending sector, the reference to ‘equipment’ is a general term to cover all machinery and equipment that is used by a commercial operation. It includes yellow goods used in construction, mining, civil works and earthmoving; delicate instruments and devices used in the medical, research and engineering fields; IT and other goods for general business operations; manufacturing and trades machinery; and many others. For commercial use, equipment needs to meet ATO criteria.

Yes. To be eligible for commercial funding products, operators must have an ABN as a minimum requirement.

All commercial funding products include tax deductible elements. Exactly which elements of the funds are tax deductible and at what point over the term the deduction is realised, varies with the credit products. Credit products should be selected based on suitability for the individual enterprise set-up.

New trucks can be financed with Chattel Mortgage, Leasing, Rent to Own and CHP. Which is most suitable will depend on the structure, objectives and accounting method used by the business operation. Operators are advised to discuss choice of credit product with their accountant.

Interest rates on used goods can differ from the rates for new goods. Lenders will include an assessment of the age and condition of the goods as well as the credit rating and financials of the operation when approving an application and making a rate offer. All applications are handled individually and addressed on their individual merits.

Yes. When IT and other technology is considered for commercial use, it can be eligible for commercial funding. Hardware and some software may be funded with Chattel Mortgage, Leasing, CHP or Rent to Own. Installations and non-hardware expenditure may not be considered suitable security by lenders for asset acquisition funding. A secured or unsecured option may be considered for these goods.

Where a truck and a trailer are purchased as one unit and/or as the one purchase at the one time, lenders can approve the acquisition in the one funding deal. Where a trailer is acquired after the funds for the truck are settled, refinancing may be required to incorporate both acquisitions into the one deal.

Exact repayments on new car funding will not be known until an offer is made from a lender. Interest rates, terms and conditions can vary depending on the individual application. Prior to applying, operators can use an online calculator to work up rough repayment estimates.

Cash flow shortages may be addressed with a number of funding options. Overdrafts are widely used as a flexible option. Longer term options may also include secured and unsecured funding. Where cash flow issues emanate from slow or long-paying debtors, Invoice Funding may be considered.

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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