Long Term Commercial Loans | Finance Australia

Have big plans for your commercial facility and need longer-term lending?
Need to invest in large-scale equipment loans to expand your commercial opportunities?
Require long-term lending for long-term construction projects?
Looking for an option to avoid bringing new investors into your organisation?
Lending terms offered on major investments not workable for your commercial cash flow?
Want greater control of your capital with longer-term lending?

We have the answers! Your comprehensive hub for all aspects of finance for enterprises across Australia.

Get Free Quote

This won't affect your credit score

Long Term Loans: Explainer

The key difference between long-term financing and the usual loans you source from your bank or non-bank lender is in the title – the term. Most banks and other lenders will have strict guidelines around the terms they offer for loans on various assets – cars, vehicles, trucks, and equipment. These terms may be 4, 5, or up to 7 years depending on the lender and the goods.

- For most acquisitions that is sufficient and allows the repayments to be set at a workable amount.

- But for some acquisitions and investments, commercial organisation require a longer term to repay the borrowed amount.

- A lending instrument to facilitate investment in a organisation or the acquisition of large-scale, or high-priced equipment.

- The term is usually determined by the working life of the asset being financed, the amount, and individual lender requirements.

- Terms of up to 10 years and for some purposes, up to 20 years.

- Fixed-term so commercial entities can proceed with implementing longer-term plans.

- Secured loan structured with the asset used as collateral.

- Often attract a highly competitive lower interest rate due to the security being offered.

- Interest rates negotiated with the lender – may be variable, fixed or a combination.

- Provide injection of cash flow to allow an enterprise to preserve capital.

- Repayments negotiated with the lender and usually set at a fixed amount payable either monthly, quarterly, or at some other agreed timeframe.

- Provides ABN organisations with long-term certainty and may create greater confidence to proceed with expansion and growth plans.

- Available to most commercial entities – long-established large operations and SMEs.

We have sources that provide long-term commercial lending to companies throughout Australia.

Long Term Loans: Purposes

Commercial organisation’s may have present with a range of purposes for which they require a long-term loan. These will vary across different industries but often include:-

- Manufacturing and engineering industries – to significantly increase the production and output with a major investment in plant, machinery, and equipment.

- Construction industry – to finance the project development, either entirely or for key stages.

- Investment for ongoing commercial operations and expansion – an attractive option over seeking independent investors which may pose unwanted risks to the ownership and control.

- Wages and costs associated with employing more staff to expand the workforce to take on new projects or expand into new markets.

- Research and development of new products.

Get a Quick Quote

Accessing a Long Term Commercial Loan

Long-term commercial loans may be offered by banks to very substantial and long-term customers but in many cases, organisation needs to look beyond the bank to source this type of specialist lending. Knowing where to look and who to approach for a long-term commercial lending is the real challenge facing many organisations. A challenge that we can meet – for your benefit.

We have lenders in our lending panel that provide long-term commercial lending. To discuss your requirements with them – ask us! It’s that easy. Send us your loan details and we’ll provide you with a shortlist of lenders that match your criteria.

Connect with us to be connected with commercial lenders that offer long-term commercial loans.

Apply Now