Need a cash injection to help your business reach its full potential? Talk to us about a business or commercial loan today.

Due to expensive upfront costs and regulatory hurdles, smaller businesses do not typically have direct access to the debt and equity capital markets for financing purposes. Therefore, they often rely on financial institutions to meet their financing needs.

Commercial loans are renewable loans used to finance a company’s immediate working capital and investment needs. These can be large or small scale and usually operate short-term. We can source either the appropriate bank funding or an alternative to traditional bank funding if/when required.

Our business/commercial loan process

Note: For many commercial/business loans we do not charge a fee. We do charge a fee for complex and difficult to source transactions and may even charge a work fee.

Step 1: First meeting

Our brokers will meet with you to discuss your requirements.

Step 2: Indicative search

Our brokers will search the market to find out what lending appetite there is for your needs and at what indicative price.

Step 3: Formal engagement

We ask you to formally engage us.

Step 4: Managing the process

Our brokers will locate a funder for you.

Frequently asked questions

Do I need bank funding or private funding?

It’s often difficult for small businesses to source funding from banks — especially without security. We understand this and have access to non-bank funders who can assist. In some cases and where eligible, this funding would be arranged with a view to eventually transition into bank funding in the short to medium term.

Do you charge fees for business/commercial loans?

Sometimes. For many commercial/business loans we do not charge a fee. We do charge a fee for complex and difficult to source transactions and may even charge a work fee.

Why are my commercial interest rates higher than my home loan rate when I use property as security?

There are many reasons for this the most common answer is that banks deem business lending riskier than home lending and need to put aside additional capital and thus price the risk appropriately.

Why can’t I borrow unsecured?

The main reason is that the price of funding unsecured would make the loan uncommercial. Having said that there are bankers out there that understand unsecured lending and will provide debt facilities to the right unsecured borrowers. Mainly those with very strong proven cash flows over a period of years.

Top tips for business/commercial loans

Get advice from your accountant but engage your broker early so that a balance can be found between tax minimisation strategies and maximising borrowing for business purposes.

Don’t go from lender to lender to get a loan. This will disadvantage you even when you eventually engage a broker.

Get your balance sheet and expenditure in order prior to applying for finance.

Top tips for business/commercial loans

Get advice from your accountant but engage your broker early so that a balance can be found between tax minimisation strategies and maximising borrowing for business purposes.

Don’t go from lender to lender to get a loan. This will disadvantage you even when you eventually engage a broker.

Get your balance sheet and expenditure in order prior to applying for finance.

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