Commercial Lending

Commercial Lending

Commercial Lending

Expand your business with flexible finance solutions.

No obligation quotes

Same day approvals

Competitive rates

Tailored finance and insurance packages

No deposit options

Finance including accessories

If you’re embarking on a new business venture, or looking to expand your existing business, a commercial loan can give you the financial freedom and working capital to achieve your goals. You may require finance to purchase and develop property or fit out a commercial space. Alternatively you might be after a line of credit to better manage cashflow and inventory.

Each business has its own needs, which is why we allocate a designated relationship manager who will take the time to understand your business goals to ensure they can give you the best options and advice to suit. With access to a large network of commercial finance and leasing vendors, they can shop around on your behalf for the most suitable finance and loans, whether you’re a health professional, sole trader, contractor or primary producer.

Each business has its own needs, which is why we allocate a designated relationship manager who will take the time to understand your business goals to ensure they can give you the best options and advice to suit.

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Your loan options

Chattel Mortgage

Chattel Mortgage

Offering loan terms of 2-5 years, any assets you purchase in your business expansion can be used to secure the loan to provide access to competitive rates. To reduce your monthly repayments you can explore residual payment options, and your financial advisor can talk you through any tax deductions* you may be entitled to.

Hire Purchase

Hire Purchase

Using a hire purchase agreement to acquire the assets you need for your commercial venture can deliver a range of benefits. You will generally have fixed interest repayments making cashflow management easy, as well as certain tax advantages* and the option of balloon payments to lower your monthly repayments. Take possession of your goods immediately and ownership once the final payment is made.

Leasing

Leasing

If you need to regularly upgrade your commercial assets, a lease agreement may provide the flexibility you’re looking for. You decide whether to take ownership of the asset at the end of the lease (usually 2-5 years), or whether to take out another lease on newer goods. Leasing can provide structured payment plans to allow for seasonal income if you don’t wish to pay the full cost of an asset up front.

For same day approval of your commercial loan, contact Finance Direct today or apply online.

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*Please seek advice from your financial advisor or accountant to ensure this is the right option for your commercial finance needs.