Commercial Loans

Fund a property, equipment or business purchase with a Commercial Loan

At Newstone Finance, we specialise in providing a variety of commercial finance solutions tailored to meet the diverse needs of businesses across Australia. Whether you're based in the heart of Melbourne or operate anywhere else in the country, accessing commercial loan options has never been easier. Our expertise extends from helping businesses buy commercial property to assisting with expanding business operations. With a strong focus on helping you understand loan structures and interest rate options, we aim to support your commercial ambitions every step of the way.

When it comes to applying for a commercial loan, understanding your options is crucial. Commercial loans can come in many forms, including secured and unsecured options. A secured commercial loan typically requires collateral, such as property or equipment, while an unsecured commercial loan does not. This distinction can impact the interest rate and overall loan terms. At Newstone Finance, we help you explore both fixed and variable interest rates to find a solution that aligns with your financial goals. Whether you're looking to buy commercial land or invest in an industrial property, our streamlined application process ensures you can focus on your business rather than getting lost in paperwork.

Flexible loan terms are essential for any business looking to grow. We provide flexible repayment options that can be customised to suit your cash flow needs. For those interested in buying new equipment or upgrading existing equipment, our progressive drawdown facility allows you to access funds as needed, reducing interest costs. Similarly, a revolving line of credit offers flexibility by enabling you to borrow, repay, and borrow again up to a certain limit. This can be particularly useful for businesses with fluctuating cash flow who need reliable access to funds.

Understanding the importance of structure in commercial finance is vital for making informed decisions. Loan structure can significantly affect how you manage repayments and capital allocation. For example, a redraw feature might be appealing if you anticipate needing extra funds without taking out a new loan. Additionally, deciding between a fixed interest rate or a variable interest rate will depend on your business's risk tolerance and market conditions. Our team at Newstone Finance works closely with banks and lenders across Australia to ensure that you have access to the best commercial loan options available. This includes helping businesses expand by developing customised solutions that cater to buying commercial property or securing finance for other ventures.

In summary, Newstone Finance is committed to making commercial finance accessible and straightforward for businesses nationwide. By offering expert guidance on everything from buying new equipment to purchasing industrial property, we ensure that you have all the information you need when applying for a commercial loan. If you're ready to explore flexible loan terms and tailored financial solutions, contact us today to discuss how we can help support your business ambitions with the perfect commercial loan structure.

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Getting a Commercial Loan

Initial Consult

Have a chat with one of our qualified Brokers who will understand your situation and talk you through the next steps.

Fact Find

We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a Commercial Loan.

Approval

We'll work to find an appropriate lender for your loan, taking into account your situation and loan type. We'll then handle the paperwork to get your Commercial Loan approved.

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Frequently Asked Questions

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.

How much does it cost to refinance?

Some of the costs you’d expect to pay include discharge, application and settlement fees so you need to be sure the long term savings outweigh the upfront cost. To find out how much you can save by refinancing your loan, give us a call.

How much deposit do I need to purchase a property?

Typically lenders ask for 20% of the total house price before they’ll consider giving you a loan but there are a number of ways around this. Some lenders will accept a smaller deposit but it’s likely that you’ll need to pay Lenders Mortgage Insurance (LMI). There might also be grants that you can take advantage of. Get in touch to chat about your options.

What fees should I be aware of when purchasing a property?

There are several fees that often aren’t discussed in length when buying a property. These include stamp duty, application fees, pest and building inspections and more. Get in touch with a broker today for an up-front conversation about all the hidden fees.

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Oakleigh East, VIC

0424 700 007

Newstone Finance Pty Ltd ABN: 98 684 187 479. Credit Representative #568133 is authorised under Australian Credit License #517192

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.