Commercial Loans
Time to grow your business? Learn how a commercial loan can help fund your business growth

Rated 5 from 65 Reviews
Time to grow your business? Learn how a commercial loan can help fund your business growth
Rated 5 from 65 Reviews
At fundfin., we understand that the world of commercial finance can be complex, and that's where we come in. Whether you're buying commercial property, expanding your business, or upgrading equipment, having the right financial support is crucial. Accessing commercial loan options from banks and lenders across Australia can offer the flexibility and funding you need for a variety of business ventures. We specialise in helping Australian businesses find the perfect commercial finance solutions tailored to their unique needs, ensuring you have the right loan structure to achieve your goals.
Choosing the right commercial loan is vital for any business venture. Our team at fundfin. can help you access commercial loan options from banks and lenders across Australia, offering competitive interest rates and loan amounts that suit your requirements. When applying for a commercial loan, it's important to consider whether a secured or unsecured commercial loan is best for your situation. Secured loans typically offer lower interest rates as they are backed by collateral, such as property. Unsecured loans, on the other hand, do not require collateral but may come with higher interest rates. Both options provide flexible loan terms to meet your business needs.
If you are considering buying commercial property or industrial property, fundfin. can assist you in securing the right commercial property finance. We understand the intricacies involved in buying commercial land and can guide you through the streamlined application process. Our expertise ensures that you can access a range of flexible repayment options, whether you're looking for a fixed interest rate or a variable interest rate. We also offer advice on progressive drawdown, which can be beneficial when purchasing property or managing large-scale projects.
Expanding your business often requires significant investment, whether you're buying new equipment or upgrading existing equipment. Our expertise in commercial finance allows us to provide tailored solutions that include flexible repayment options and revolving lines of credit to suit your cash flow needs. A revolving line of credit is an excellent choice for businesses that require ongoing access to funds, allowing you to borrow up to a certain limit and only pay interest on the amount you use. Additionally, we can help you structure your loan in a way that supports your growth plans while managing your financial commitments effectively.
At fundfin., we are committed to making the process of applying for a commercial loan as straightforward as possible. Our streamlined application process ensures that you can access the funds you need promptly and efficiently. We work closely with you to understand your business goals and create a customised plan that aligns with your objectives. Whether you're looking to buy commercial land or expand your operations, our team is here to support you every step of the way.
Our mission at fundfin. is to empower Australian businesses by providing access to suitable commercial loan options from banks and lenders across the country. We believe that with the right financial backing, businesses can achieve remarkable growth and success. If you're ready to explore how commercial finance can benefit your business, contact us today to learn more about our services and how we can help you meet your financial goals. Let us guide you through the world of commercial finance so you can focus on what matters most—growing your business.
BC
Bertrand Caron
James was extremely competent and helpful. 10/10 would recommend!
GK
George Kallinicos
We found James timely and responsive making the mortgage process easy. Highly recommend him
NH
Narelle Heck
James's knowledge and understanding of SMSF loans was instrumental in getting our commercial property purchase over the line. Will definitely be continuing with James for all our future finance needs.
An offset account is a transactional account that sits against the loan. Any funds held in this account go to offsetting interest payable on the loan. For example, if your loan balance was $100,000 and you held $90,000 in your offset account, you would only be paying interest on $10,000. While the principal reduction repayments would remain the same, you would pay less interest over the life of the loan, thereby reducing the overall loan term saving you thousands or more! As with any everyday transactional account the funds are accessible at any time.
Generally if you are on a fixed rate loan you won't have access to an offset account however some lenders offer niche products that allow you to offset all or part of the fixed loan.
Redraw is where you make additional repayments above the minimum required as part of your loan contract. Some lenders allow you to draw on these additional repayments as required (sometimes for a fee) however this may impact on your loan balance and the interest payable.
Mortgage brokers operate independently of any financial institution. We're not locked into any relationships with specific lenders and want you to have the most competitive option based on your own unique set of circumstances. There is no 'one fit' solution for any client and we aren't limited to one lender's suite of products.
Best of all - there is no cost to you to use our service!
Yes you can. It comes down to the purpose and use of funds, as dictated by the appropriate lending guidelines.
For example, residential loan cannot be used for business purposes and vice-versa. We can assist in determining what loan is most suitable for your circumstances.
Not necessarily! Lenders Mortgage Insurance (LMI) is a premium charged by the lender's insurer for customers who need to borrow money above the maximum thresholds set by the insurer. Usually this is for loans above 80% loan to value ratio (LVR). However, some lenders offer LMI waivers for clients with certain professional qualifications up to 95% LVR, and other lenders may offer an alternate interest rate for customers with lower deposit without charging an LMI premium. There are also government backed first home buyer schemes which may allow for a deposit of 5%.
If you have any existing properties, you could also use the equity towards some or all of the deposit, including any associated costs such as stamp duty.
Some lenders also offer family pledge, or guarantor products where you can use the equity in a family member's home to borrow up to 100% of the purchase price plus costs.
Borrowing power is determinant on several factors. These can be a combination of, but are not limited to;
The lender
Your income (including rental income, pensions or super annuities, and government payments)
Your existing liabilities, such as credit cards, personal loans and HECS debts
Your monthly living expenses, fixed and discretionary
Lenders stress test the ability to afford loan repayments by running the loans against a floor rate, which is usually a couple of percentage points above the current market rate. This is to safeguard you in the event that if interest rates were to rise, you could still afford to make your repayments without experiencing significant hardship. Some lenders' floor rates are higher than others, meaning that you may be able to borrow more with Lender A than Lender B.
Existing debts, such as credit cards will also have an impact on how much you can borrow. While a $10,000 credit card might not seem like a lot in the scheme of things, it could be the difference of tens of thousands of additional borrowings on your home loan! This is where we can guide you to find the right options to suit your circumstances.
Absolutely - we can guide you through the entire process, from how much you can borrow, to first home buyers concession eligibility, putting you in touch with conveyancers and much, much more!
Absolutely, however it is important to note about what your goal actually is. For the sake of a few thousand dollars is it worth paying a few basis points more where any cash gain you have made will be eroded by the additional interest you're paying. If you have entered in to a longer loan contract, then you will likely end up paying more interest over the life of the loan, even if your initial rate is lower than what you were on.
Many lenders are offering rebates between $1000 and $4000 and some of these multiply per property refinance. We can discuss these options with you in your initial enquiry.