Commercial Loan

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Commercial Loans Geelong

If you’re planning to set up a business or make a business expansion to further develop your business, then a commercial loan is right for you! It’s essential that you source the best loan package possible so that your investment strategy will be a success.

We can proudly say that our Commercial Loan Geelong team has gained many years of experience in assisting clients with their business and commercial loans. We can help you with your commercial investment decisions, be it immediate or long-term plans for loan funding. Our vast connection with lenders, network of resources, and expertise enable us to help our clients and provide them with a unique strategy tailored to them.

There are a number of reasons for obtaining a commercial loan, including (but not limited to):

  • Purchasing a franchise;
  • Acquisitions of businesses/companies;
  • Purchase of long-term assets & inventory;
  • Commercial real estate;
  • Property development; and
  • Upscaling infrastructure.
It’s important to understand how this type of loan can benefit your strategy. Also, don’t forget how to distinguish a commercial loan from a regular home loan. There are many types of commercial loans available in the market.

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Type of Commercial Loans

Term loan

This type of loan will help you purchase, set up a business, or assist with a business expansion. It’s a form of financing that is ordinarily amortised (paid on a regular basis, usually monthly) over a fixed number of years. Therefore this type of loan is perfect for people who are looking to fund their business expansion, capital purchases, development of commercial property and so much more. It has the ability to use either a variable or fixed interest rate, with different types of repayment options.

Commercial bill

If you’re the type of person that is looking for a type of finance that offers flexibility and with interest rates that are reflective of the market, then this is perfect for you! You probably might wonder why a ‘commercial bill’ will be ideal for you. This is exactly why this is perfect for you, this type of lending facility is ideal for short and long term financial requirements, such as managing effective cash flow through the ability to provide payments only on the maturity of the Bill. This comes with the provision of interest rate protection & flexibility and is essentially an agreement made between you and the financial institution/lender of an agreed amount, that is set on a date of maturity.

Overdraft

In order to avoid or manage any fluctuations of cash flows (which will not require regular payments), setting up a commercial overdraft will help, because this allows a credit limit facility. As long as the overdrafted amount does not exceed the facility’s limit then you should be fine, otherwise you may be incurring hefty fees on the overdrawn amount. These may either be unsecured or secured by a mortgage and other securities.

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