Top Business Loan and Commercial Finance Providers in Australia

18 Business Loan and Commercial Finance Providers in Australia

Which finance companies offer Business Loan and Commercial Finance Providers in Australia

There is a long list of Business Loan and Commercial Finance Providers in Australia and each has their niche which they specialise in.  Finding who provides what is just the first step.  Below is a list (in alphabetical order) of the major business loan providers in Australia. The list is long and extensive so if you'd rather leave the hard work to someone else, feel free to contact us directly. Click here to contact us for a no obligation quote >

ANZ Business Loan

 

The ANZ Business Loan has a minimum loan amount of $10,000. 
Choice of secured or unsecured finance - Loans can be secured by various forms of security including residential, commercial or rural property, business assets or a combination of these.
Flexible repayment terms - Choose your preferred repayment terms, and select interest only (with a maximum term of five years) or principal and interest. 
Variable or fixed interest rate - We give you a choice of a variable or fixed rate and the ability to lock in your fixed rates for interest rate certainty. Plus, you choose if you pay interest in advance or in arrears. 

 

Arab Bank Australia Business Loans

 

Competitive rate of interest with low establishment fees.
Flexible repayment structures including principal and interest or interest only.
Arab Bank lend against commercial properties as well as a host of other securities that can be mixed or separated as need be
Monitor and transact upon your account, including making repayments using aba online.

Bank of Australia Business Loans

Borrow for any worthwhile purpose including property and asset purchases, business growth, refinance and debt consolidation.
Secured and unsecured options available.
-No ongoing fees
-Available for any worthwhile purpose
-Flexible repayments available
-Extra repayments welcome
-Option to fix
-Interest only option available

 

Bank of Melbourne Business Loan

 

Borrow from $20,000
Fixed or variable rate options
Flexible repayment structures.
Make additional repayments without penalty
Security options include cash, property, a guarantee or business assets
Flexible repayment structures include Interest Only or Principle, Interest and Fees.
Interest can be paid in advance for the year, ahead or on a monthly basis to help manage cashflow

Bank Of Queensland Business Term Loans

 

Features:

  • Principal and Interest or Interest-only repayment options (up to a maximum of 5 years)

  • Choose weekly, fortnightly or monthly repayments

  • Choose from a variable or fixed interest rate loan and flexible repayment options depending on your business needs.

  • Redraw funds paid in addition to the minimum loan repayments (available on Variable interest rate Business Term Loans only)

  • Minimum loan amount is $10,000

  • Minimum term is 1 year

  • Maximum terms are: 25 years for loans 100% secured by residential property. 15 years for non-residential property or mixed security

BankSA Business Loans

 

  • Variable rate commercially secured loans now have a maximum term of 25 years (up from 15 years)

  • Borrow from $20,000 and above

  • Fixed or variable rate business loan

  • Flexible repayment options

  • Potential tax benefits.

 

Bankwest Business Loans

 

Minimum loan amount $10,000.
Choose your repayment date and frequency, including when you want interest to be charged.
Pay more than your minimum repayments at any time to help reduce your loan term.
Redraw your extra payments through online banking.
Choose to pay interest only for one to five years before starting principal and interest repayments.
Capitalise your interest
Progress drawdowns-Suitable if you're using the loan for construction.

 

Bendigo Bank Business Solutions Term Loan

 

To purchase or re-finance for business purposes using your residential property or other assets for security.
Principal & Interest or interest only
Redraw available
Online banking
Your choice of a fixed interest rate or a variable interest rate, with customised repayments to suit you and your business.

 

Commonwealth Bank Business Loans

 

Available for business loans over $25,000 where the term is more than one year. You can choose from the following interest rate options:
Fixed rate – for between one and seven years (up to 10 years for agribusiness customers)
Fixed rate residentially secured – fixed for between one to five years. Rate is linked to the home loan fixed interest rates
Variable rate (minimum loan amount $25,000) – benefit from downward interest rate movements and get flexibility to redraw funds paid in addition to the minimum loan repayments
Variable rate residentially secured – rate is the residential equity rate (does not move in line with the Home Loan Standard Variable or Residential Equity rates). You benefit from downward interest rate movements and get flexibility to redraw funds paid in addition to the minimum loan repayments.

CUA Commercial Loan

 

If you’re starting a new business, buying an established business, purchasing a franchised business, looking to expand or to buy commercial premises for occupation or investment.
-Make extra loan repayments without penalty
-Flexible repayment options: Choose between principal and interest or interest only loan repayments (interest only payable monthly).
-Free redraw facility available: Redraw your advance payments when you need to, with the ability to redraw up to $150,000 without a review.
Tailor your loan term to suit your lease or franchise agreement, up to a maximum of 10 years. If you’re purchasing your own commercial premises, we can consider a loan term of up to 15 years.
Have the added flexibility of a variable rate loan, or lock in your rate for either 1, 2, or 3 years so you can budget with more certainty.

Heritage Bank Business Loan

 

Variable or fixed rates
Repayment term matched to the cash flow of the business
Preferred minimum amount $20,000, with no maximum
Interest-only, or principal and interest repayment terms available
Loan terms up to 25 years available against residential security, and up to 15 years against other security types
Redraw available by arrangement

All too complicated?

 

Running a business is hard enough, if you want some advice on which business loan provider is best for you, feel free to contact us.

HSBC Commercial Loans

For organisations that have annual turnover in excess of $30million.

IMB Bank Fully Drawn Commercial Loan

Fixed, variable or bill based interest rates available
Loan may be secured by commercial, residential or industrial property
Minimum Loan Amount: $20,000
Maximum Loan Amount: $5,000,000
Loan period: Up to 25 Years*
Repayments: Monthly, fortnightly or weekly, Interest Only available
Redraw Facility: Yes (On both the fixed and variable rate commercial loan products)
Early Repayment: 2 months of interest on the original loan amount is payable if the loan is fully repaid within the first 3 years

Macquarie Bank Business Loan

If you've been in business for two or more years and are able to demonstrate profitable trading and sustainable cash flow, Macquarie Bank may be able to help.
Solutions for your property lending needs.

NAB Business Markets Loan

Manage borrowing costs and protect your business against interest rate changes.
-The ability to borrow amounts over $250,000
-Loan terms from 30 days to up to 15 years (subject to qualifying criteria)
-Progressively draw down on your loan for construction purposes
-Online transaction capability for repayments and redraws (on floating and cap components) allows the loan to be more accessible and support business needs
-Loan structure doesn't need to be agreed to upfront and new components are easily added with no additional documentation required
-Loans can be interest-only or established with principal repayments
-Match payment schedules and interest charging dates to your business's cash flow cycles

St George Business Loans

Variable rate commercially secured loans now have a maximum term of 25 years (up from 15 years)
Borrow from $20,000 and above
Fixed or variable rate business loan
Flexible repayment options
Potential tax benefits.

Suncorp Business Loans

Interest rate type: Fixed and variable interest options available
Repayment type: Principle and interest repayment options available
Term: One year up to 15 years loan terms available
Security: Residential, commercial or rural property security required. Business assets may also be acceptable.
You will need to be able to provide 2 consecutive years of financial information. This may be for a business you currently own or for a business you plan to purchase.

Westpac Business Loans

Looking to borrow more than $20,000? Consider a Westpac Business Loan with fixed or variable repayment options.
Keep track of your Business Loan balance and financials online (and at tax time, export details of interest paid to your accounting software).
Here are some important points to consider before applying for a business loan:
Security – depending on your circumstances, business loans can be unsecured or require security in the form of residential, commercial or rural property. A guarantee will also be required by company directors for corporate borrowers
Credit history - all borrowers, owners, directors and guarantors must have clear credit records. All statutory payments and ATO liabilities need to be up to date and not under arrangement
Banking and borrowing history - existing bank accounts and lending products must be within their approved limits
Domicile - your business must be registered in Australia

All too complicated?

Running a business is hard enough, if you want some advice on which business loan provider is best for you, feel free to call us on 1300 96 25 95 or contact us.

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