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Ebtide Commercial FinanceIf 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 to 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

Overdraft and Line of Credit
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 facility operates on variable interest with a cheque account attached, and it often depends on the lender as to whether you need to provide security.

Business Loans and Term Loans
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.

Cash Flow Finance
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 totalling 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 goods to secure a cash flow finance facility.

Property Development Finance
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 to a development finance facility.