Commercial Loans in Double Bay, NSW

Client success stories

Here is how we have been able to help local businesses achieve their expansion goals by securing flexible commercial funding tailored to their exact cash flow requirements.

Achieving 90% LVR for an industrial property purchase

A growing commercial air conditioning and refrigeration company in Mascot had outgrown its leased industrial premises and wanted to purchase its own commercial property for $2 million. The business wanted to preserve its working capital for ongoing growth rather than contributing the traditional 25% to 30% deposit that most lenders require.

• The solution we found: We partnered with a specialist commercial lender on our panel to structure an exception to standard policy. We arranged a loan for 90% ($1.8 million) of the property value, requiring a minimal deposit of just 10% ($200,000) plus stamp duty.
• The client's benefit: We secured a competitive interest rate over a 30-year term. This tailored structure allowed the business owners to secure their permanent premises while protecting their daily cash flow and retaining essential funds for continued expansion.

Business Finance

Are you a business owner?

We have a full understanding of businesses and the funding required to ensure they remain successful. Our experience is extensive and the structure of funding is critical for the future cash flow of any business.

Whether you are purchasing your commercial premises or require funds to assist with your trade cycle, we can look after your requirements.

We go through a detailed analysis of your business and the future funding requirements to ensure you have the right loan facilities to work in your business. We also encourage our involvement with your accountant to ensure all structures and loans assist your tax requirements.

We package a detailed submission to the Lender/Bank of choice which enables you to concentrate on running your business, and not filling in loan forms.

Our years of industry experience allows us to have direct access to numerous business bankers across various lenders to ensure your loans are placed with the most suitable bank.

Different types of products available are:

• Overdrafts
• Trade Finance (import/export/domestic)
• Business Loans
• Commercial Bills
• Invoice Discounting

Commercial Property Finance

We have a range of solutions and lenders for commercial property loans which can assist with your purchase or refinance. There are some great options in the market which can improve your cashflow or equity position.

Some of the benefits and options are below:

• New office, industrial or commercial property for your business
• Commercial investment property for investors
• Self Managed Superannuation Fund property purchase
• Medical practice purchase
• Commercial property development

Equipment Finance

Equipment purchases are essential for businesses and aligning the funding and repayment of the equipment requires structuring and planning.

Rather than pay for the asset using your cash resources, their can be benefits in financing the purchase costs and aligning the repayment with the term of the assets depreciation.

The most common sources of medium term finance for acquisition of assets are Hire Purchase, Chattel Mortgage and Finance Lease.

We have access to a range of lenders with various lending policies to assist purchase of any asset. We can also provide access to fast approvals of Motor vehicles without the requirement of financials.

Call us for a quote on your next purchase.

Types of Equipment

• Motor Vehicles
• Transport & logistics
• Agricultural equipment & farming
• Construction & manufacturing
• Earthmoving & infrastructure
• Telecommunications & IT
• Heavy engineering & industrials
• Fitouts

Types of Finance

• Chattel Mortgage
• Hire Purchase
• Finance Lease
• Operating Lease
• Novated Lease

Industry Finance

We have a full understanding of various specialist industries and the numerous lenders lending policies that are available to these industries. It is paramount that the loans and finance structures fit within the clients requirements and we work with banking specialists on our lending panel to ensure the right structure is achieved for each deal.

Some of the industries are detailed below:

• Self Managed Super Fund Finance
• Medical, Dental and Veterinary
• Pubs, Clubs and Hospitality
• Financial Planning and Accounting
• Transport and logistics
• Manufacturing

Property Development

We can assist in the structuring and loan application for all types of property development. Funding for land acquisition to the completion of major residential & commercial development projects.

• Commercial property
• Units and townhouses
• Land subdivision
• Residential developments