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Commercial property Loans
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How We
Can Help
The team here at Australian Finance Solutions has over 100 years of combined experience in the finance broking industry. We have come across every type of loan scenario and situation you could think of. We excel at providing professional, timely and excellent service to our clients and pride ourselves on our communication and efficiency. We work to provide out of the box thinking and solutions to fit all kinds of circumstances.
helping you in your business
commercial loans
If you’re in the market to buy a commercial property or looking to refinance your existing loan, Australian Finance Solutions has the experience to provide you with financial solutions to achieve your strategic objectives, whether that be for expansion, investment funding, leasing, purchase or refinance of commercial properties, retail premises, industrial, factories and offices or cash flow lending.
Our expertise is in helping you determine which loan structure is right for your business needs. As with a home loan, your business or commercial finance loan will require security, which is usually residential or commercial property, assets or directorial guarantee.
Your commercial finance options include:
– Overdraft and Line of Credit
– Business Loans and Term Loans
– Hire Purchase
– Chattel Mortgage
– Cash Flow Finance
– Property Development Finance
– Leasing Finance
Types of Commercial Finance
A business overdraft is ideal for covering short-term financial needs, in particular, seasonal requirements, uncategorised or unplanned expenses. An overdraft operates specifically as a line of credit facility that is generally used to cover working capital requirements. By providing access to an agreed amount of money, you can draw to your limit at any stage, and there are no repayments required so long as the amount you have drawn and the interest charged does not exceed your agreed limit. The overdraft operates on variable interest with a cheque account attached, and it often depends on the lender as to whether you need to provide security.
Cash flow finance effectively provides your business with access to the money tied up in outstanding invoices, allowing you to continue meeting your working capital requirements in periods of fluctuating or irregular cash flow. With cash flow finance your business will generally be able to access funds totaling up to 80 per cent of the value of your unpaid invoices, which is particularly useful during periods of rapid growth, business acquisitions or seasonal sales cycles. The outstanding value of your invoices acts as security so there is no need to use residential or commercial property or sales foods to secure a cash flow finance facility.
A business or term loan provides you with flexible access to finance when you need the capital for purchasing a business or additional capital for business expansion, major plant and equipment upgrades, or purchasing commercial property. The flexibility is in the loan type – both fixed rate and variable rate business loans are available – and you can usually choose to make principal and interest or interest only repayments. Business loan terms tend to vary widely between lenders and can be as long as 30 years; the minimum loan amount you can borrow also varies so you will need to discuss this with your Australian Finance Solutions broker. You could be required to provide some form of security or collateral, such as residential or commercial property or business assets.
Property development finance is very similar to a residential construction loan, operating as a type of draw down facility where you can access funds required at each stage of the development, rather than taking on the entire loan at one time. Most finance lenders will allow you to capitalise on the interest during the development period, with the full loan falling due upon sale of the development. A minimum loan amount may apply top a development finance facility.
“90% of all millionaires become so through owning real estate.”
Andrew Carnegie
plan of action
The process
Purchasing your new home can often be a stressful and sometimes daunting process. It doesn’t have to be this way. Whether this is your fifth home or your first we can help you through the process so it’s as easy as a walk in the park. We do all the research for you and present you with the best options to meet your situation. Once you’ve chosen your bank and product we get all the paperwork sorted and submitted. We are then here to help all the way through to settlement and beyond.
01
Learning about your financial situation
We take the time to listen to you and learn about your financial situation.
02
presenting suitable options to meet your situation
We present the best options to meet your financial situation. Taking the time to talk you through them so you can make an informed decision.
03
Application Process Through to Settlement
From preparing the initial loan application to dealing with any additional issues from the banks. We are there with you from the beginning right through to settlement and beyond.
We will help you every step of the way
Our Team is available 24/7 to help you through the entire process. From our initial conversation all the way through to settlement and beyond.