FAQs

Business loans provide funding to help businesses invest, grow or manage day-to-day operations. Depending on your needs, funds can be used for purchasing equipment, expanding your business, improving cash flow, acquiring another business or investing in commercial property. We’ll help you compare lenders and structure a loan that’s aligned with your business goals.

Business loans can be used for a wide range of purposes, including business expansion, purchasing equipment or vehicles, hiring staff, increasing working capital, buying stock, refinancing existing debt or purchasing commercial property. We’ll help you find a finance solution that’s tailored to your business and how you operate.

The amount you can borrow depends on several factors, including the property’s value, your financial position, the strength of your business and the lender’s requirements. During our initial consultation, we’ll assess your borrowing capacity and provide tailored lending options based on your circumstances.

Yes. Many lenders offer finance solutions for self-employed borrowers and business owners. While the documentation requirements may differ from PAYG applicants, we’ll help you navigate the process and identify lenders that best suit your business structure and financial situation.

The documents required will vary depending on the type of finance you’re seeking and your business structure. Generally, lenders may request financial statements, tax returns, bank statements, identification and details about the purpose of the loan. We’ll guide you through exactly what’s required and help ensure your application is as strong as possible.

A commercial finance broker gives you access to a broad panel of banks and specialist lenders, rather than the products of a single institution. We compare your options, negotiate on your behalf and structure a finance solution that’s tailored to your goals, saving you time while helping you secure competitive lending outcomes.

A business loan is typically used to fund business operations, equipment, growth or working capital, while commercial property finance is specifically designed to purchase, refinance or develop commercial real estate. Depending on your objectives, we can help determine which solution, or combination of solutions, is best suited to your needs.

There are no extra loan repayments or fees when you take out a loan through a broker. A broker is simply paid commission by the lender for introducing new business, but this doesn’t affect your interest rate or other aspects of the loan agreement.

Using a broker is free for you because the lender pays your broker. With access to hundreds of loan products from various lenders, brokers will find the ideal loan for you and your circumstances. In most instances, this is a combination of the lowest available rate at the time and product features that are most convenient for you.

Some brokers charge service fees, which must be disclosed before they provide their services.

While our borrowing calculator can give you a decent idea of how much money you may be able to take out, for a more precise assessment, please get in touch with our team. We can then go through your options with you and chat about your circumstances in further detail.

Just as the name suggests, variable-rate home loans have interest rates that change over time. They are often more flexible than other types of loans, with features like redraw facility and extra payment options. However, they do not have fixed repayment amounts.

On the other hand, fixed-rate home loans come with predictable monthly repayments – you will know exactly how much you need to pay each month for the entire duration of the loan term. These kinds of loans might not be as flexible in terms of features but offer borrowers peace of mind when budgeting repayments.

In choosing which type of loan is right for you, it’s good to weigh up what’s most important to you – whether that’s flexibility or certainty around your monthly repayments.

Because we are connected to a mortgage aggregator, we have the privilege of being able to source loan options from over 50 different lenders. This means that we can help you find multiple suitable options for you and your specific situation.