Commercial Funding

Time, Expertise and Resources

Intellichoice’s commitment to our business and commercial clients is to provide you with the time, expertise and resources to negotiate the most favourable debt structures for your commercial or business finance situation as quickly as possible. Our experienced mortgage brokers will help in sourcing the most suitable commercial loan or business loan option for your circumstances and structure the loan in such a way that maximises your benefits to achieve your goals.

Commercial loans can be used for the purchase, refinance or construction of commercial developments. Depending on the purpose, there are a number of commercial loan options available. These range from commercial loans for factories or warehouses through to commercial loans for nursing homes.

If you are looking into getting the best deals and features for your commercial funding, a loan specialist can cut the job in half for you. Work with the experts and get connected with the right banks and lenders for your financing needs.

Intellichoice has dependably been a firm believer in helping companies take more control of their destiny and commercial property finance helps them do just that We often Say that one of the major resources that business operators will have to show for all the hard work will be the premises they have paid off with commercial property finance. That makes purchasing your premises a savvy move. From factories to warehouses, offices to retail outlets. We have demonstrated expertise in all types of commercial property finance and offers a thorough range of solutions.

Take the stress out of finding an appropriate commercial loan or business loan and speak to one of the mortgage brokers at Intellichoice today by calling 1300 55 10 45.

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Our team of experts spends the time to find out about you and your circumstances. We will determine the best options for you based on your earnings, any debts you might still have and your current needs and objectives.

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What is a commercial property loan?

A commercial property loan gives the finance you need to buy a commercial property. The amount you borrow earns interest at a fixed or variable rate and will need to be repaid in full before the completion of the loan term.

How do commercial loans work?

Commercial loans are a kind of finance that is intended for business purposes. They can be taken out by individuals or partnerships on behalf of businesses to fund business activities and property. As the loan amount will be used to put resources in the business, the financials of that business will be considered into account when the lender is deciding whether to approve the loan.

There are also different benefits to commercial loans, as they are customized for use by businesses. They offer flexible repayment options to support fluctuations in cash flow, there are items specifically designed for commercial purposes, such as leasing finance, and the loan amounts on offer are usually much higher than with other loans.

What types of products are available?

Cash flow finance (working capital solutions), construction loans commercial overdrafts (manage your expenditure), business loans, business credit cards, merchant facilities or commercial lines of credit (LOC).

What information and documents do you need me to provide?

This will vary with regards to the kind of lending that you are applying for, and whether you are a new client. As a general rule, we will always need proof of your identity, and documents that support your assets and liabilities. We will supply you with a list of requirements and this does vary on a case by case basis.

How to compare commercial property loans?

There are several factors you should consider when choosing a commercial property loan, including:

1) Repayment schedule

2) Loan limits

3) Fees.

4) The interest rate

5) Maximum LVR.

By carefully considering the features and conditions of a scope of commercial property loans, you’ll have the capacity to find the best finance solution for your needs.

Why should I use a mortgage broker?

With our experience, We will help you decide which lender is most likely to offer a suitable finance solution. Our broker can asses your current financial situation and your borrowing needs. We can help you prepare an application that addresses all the necessary criteria and gives you the best chance of approval.

What are the requirements needed?

1. Financial details – You’ll need to provide details of your assets and liabilities, including the size of the deposit you have saved. You’ll likewise need to provide cash flow projections so the lender can calculate your ability to meet repayments.

2. Property details – Next, the lender will need to know details of the property you want to buy, such as its location and features. An expert valuation will decide how much the property is worth, while in case you’re purchasing the property as an investment, you’ll additionally need to supply details of the current lease agreement and the quality of the existing tenants.

3. Personal and company information – You’ll have to give your name, contact details and proof of ID. Other information may be required for various applications – for example, companies should give their ABN and full contact information.

4. Other information – The lender may ask for a wide range of other details depending on the size of the loan you want and the property you are purchasing. For instance, the lender might need to see evidence of your track record running a similar business before giving the finance you need to purchase a commercial property.

Who is eligible for a commercial property loan?

Commercial property loans can be provided to a wide range of borrowers, including:

1) Partnerships

2) Public companies

3) Private companies

4) Self-managed super funds (SMSFs)

5) Individuals

6) Trusts

About Us

At Intellichoice Finance, we’ve been successfully providing finance solutions to satisfied clients for years. From home loans, bad credit loans… to owner builder loans… equipment and commercial finance – we’ve got it covered.