Commercial Loans

GET RIGHT FINANCE FOR COMMERCIAL INVESTMENT

Commercial Loans

Finding the right finance for your commercial investment or business can be quite difficult and time-consuming. While the lengthy process can become confusing and tricky to manage.

As one of the fastest-growing mortgage brokers in Australia, Smart Mortgage Finance can provide you with access to suitable commercial and business loan opportunities from leading lenders throughout Australia. With over 30 lenders to choose from we aim to enable Australian business and owners in reaching their goals. 

At Smart Mortgage Finance, we ensure to provide you with the right loan, at the right rate with the right features and options that will appropriate for your business.

If You Need Help, Get A Consultation

Commercial Property Loans

Unlike residential properties where you can borrow as much as 95% if the property’s value, most lenders will require borrowers to contribute a minimum of 30% of the commercial loan. This means that lenders will lend up to 70% of the property’s value.

Commercial property loans are considered to be a secure type of loan for the bank. This is based on their understanding that commercial properties generally will be on rent for longer terms and could potentially generate a positive return.  A standard commercial loan is typically used to purchase offices, factories, warehouses etc. Whereas specialised commercial loans can be used for backpacker accommodations, Airbnb’s, Function Centres, Child Cares, Restaurants, Supermarkets and many more.

Before you consider a commercial or business loan you should ask yourself some key questions.

  •           Have I done my research?
  •           Have I analysed my direct & indirect competitors?
  •           Have I analysed my business performance and my financial history or level of personal debt?
  •           Can I provide assets for the personal security of the loan?
  •        For what will I used the loan for? (purchasing physical assets or investing in workforce reskilling?

Ready to apply for a Commercial/Business Loan?

Business loan providers can vary in the required criteria to receive the loan. Having access to over 35 different lenders giving us a distinct understanding of the market. Therefore, we are able to guide you through the entire process and offer the best strategy that will help you get the best results.

Before we jump ahead, you should consider collating the following documents to assist with your commercial investment or business loan application.

  •           Contract of sale for commercial premises
  •           Valuation documents or quotes for machinery, vehicles, and other equipment
  •           Business plan and financial projections, including market and competitor assessment
  •           Business financial records for the past two financial reporting years
  •           Personal financial records for the past two financial reporting years
  •           Valuation documents for any personal assets offered as loan security

ACCESS TO MORE THAN 35 AUSSIE LENDERS

Some of the brokers associated with us have access to 35 lenders across Australia.

Use our Excellent Home Loan ServicesGet A Consultation

Choose from over 35 lenders all over Australia to get the home loan and Finance options that works best for you!

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The personalized study of the individual’s financial profile, together with offers from over 30 lenders, allows us to obtain a high degree of success in providing the tailored solution.

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Smart Mortgage Finance is available to assist you in your journey towards owning a dream home. Talk to one of our Specialist to get more information on our services and choose the Home Loan that is right for you.

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The personalized study of the individual’s financial profile, together with offers from over 30 lenders, allows us to obtain a high degree of success in providing the tailored solution.

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