We’ll listen
Our clients aren’t just anonymous bank loans; they have clear goals, and because we listen, we understand their direction. Our expertise ensures you achieve your goals faster.
Absolut Financial
Commercial Loans: Fueling Your Business Growth and Success
In today’s competitive business landscape, securing the right financing can make all the difference in achieving your business goals. Whether you are looking to expand, purchase commercial property, or invest in development projects, commercial loans provide the capital necessary to drive growth.
Get free mortgage and financial advice
Chat with one of our trusted financial advisers today to assess your personal requirements and get the best financial advice
Features of a Commercial Loan
Loan Amount
Usually large sums of money, sometimes running into millions.
Repayment Terms
From a few months to several years or even decades.
Interest Rate
A higher level of risk means higher interest rates than personal loans.
Collateral
Usually required to reduce lender’s risk.
Creditworthiness
Will determine eligibility.
Purpose
Will often determine the terms of the loan.
Complex Commercial Loans Are Our Specialty
What Are Commercial Loans?
Commercial loans are specifically designed to provide funding for businesses. Unlike personal loans, these loans are intended for business use, offering higher loan amounts and more flexible terms. Commercial loans can be used for a variety of purposes, including buying real estate, purchasing equipment, covering operating expenses, or funding new ventures.
Types of Commercial Loans
- Commercial Property Loans
These loans are used to finance the purchase of commercial real estate, such as office buildings, retail spaces, or industrial properties. Commercial property loans typically come with long repayment terms and competitive interest rates. - Development Loans
Ideal for businesses involved in construction or real estate development, development loans provide the necessary capital to fund property development projects. These loans can be used for land acquisition, construction costs, and other related expenses. - Asset Finance
This type of loan helps businesses purchase equipment, machinery, or vehicles necessary for operations. The asset itself serves as collateral for the loan, allowing businesses to access funding without tying up their working capital. - Business Expansion Loans
Whether you’re opening a new location, hiring additional staff, or increasing inventory, business expansion loans provide the funding needed to help your business grow. These loans can cover a wide range of costs associated with scaling your business.
Benefits of Commercial Loans
- Competitive Rates: Commercial loans typically offer lower interest rates compared to other forms of financing, making them a cost-effective option for businesses.
- Flexible Loan Options: Whether you need a short-term loan for working capital or a long-term loan for real estate, there are a variety of options to suit your needs.
- Access to Larger Loan Amounts: Commercial loans can provide higher loan amounts compared to personal loans, enabling businesses to take on larger projects or expansions.
- Improved Cash Flow: With the right commercial loan, businesses can maintain healthy cash flow, allowing them to manage day-to-day operations smoothly while also investing in growth.
How to Qualify for a Commercial Loan
Lenders consider several factors when evaluating commercial loan applications, including:
- Business Credit History: A strong credit history shows that your business has a track record of managing debt responsibly.
- Revenue and Profitability: Lenders want to ensure that your business generates enough revenue to repay the loan.
- Collateral: Some commercial loans require collateral to secure the loan. This could include property, equipment, or other assets.
- Business Plan: A clear and solid business plan can demonstrate to lenders that your business is well-positioned for success.
Why Choose Us for Your Commercial Loan?
At Absolute Financial we offer customized commercial loan solutions designed to meet the unique needs of your business. Our team works closely with you to understand your goals and provide the best financing options.
- Fast and Easy Application Process
- Tailored Loan Products
- Competitive Interest Rates
- Dedicated Support Throughout the Loan Process
Ready to take your business to the next level? Apply for a commercial loan today and unlock the potential for growth and success.
For more information or to get started, contact us now!
We Have The Utmost Confidence In Our Service
A trusted brand
At Absolut, we’re immensely proud of our customer service levels. We consider ourselves partners in your venture as we help you navigate the commercial loan market, compare your options, and ultimately get approval for the best commercial loan to help your business thrive. It’s this personal touch that sets us apart.
And we put our success down to that award-winning service, having twice received recognition at the Australian Brokerage Awards in 2021 and 2022.
As we continue to grow, we’ll continue to build our portfolio of business owners who trust us to source the best commercial loan packages available.
Extensive experience
We’ve been scouring lending options for the best commercial loan products since 2016. Since then, our knowledgeable group of ex-banker brokers have honed their skills in sourcing commercial loans for thousands of satisfied clients.
Our commercial loan professionals specialise in structuring complicated loan packages to help your business grow, and we’ll go the extra mile to offer guidance and insights every step of the way. With this vast experience, we’re sure to be able to apply our expert eye to your specific circumstances.
Contact us to start a conversation about your commercial loan application process.
Let us do all the hard graft for you.
Let the expert professionals at Absolut guide you through every step of the process toward getting your commercial loan approved.
Features of a Personal Loan
Why you should trust us with your commercial loan application
Personalised Service
Your broker is your partner, guiding you personally through the process.
Industry Knowledge
Our ex-banker brokers know the industry inside out – and will pass that expertise to you.
Approval Rates
98% loan approval rate.
Transparency
We are open and upfront about how we build your commercial loan application before presentation to a lending institution.
Commercial Loan Expertise
Commercial loans are our bread and butter, with years of experience putting together applications for clients like you.
Award-winning
As a nationally-recognised brokerage, we must be doing something right!
Testimonials
Any questions about commercial loans?
What are the terms of a commercial loan?
There’s no one-size fits all answer – the terms of a commercial loan will change depending on the lender and the specific needs of the borrower. The loan amount, repayment period, interest rate, collateral requirements, and fees will all vary.
What factors do lending institutions consider when approving commercial loans?
A bank or other lending institution will consider your creditworthiness, financial history, business plan, collateral, and the purpose of the loan to make a decision on whether to approve.
How do I prepare for a commercial loan?
You should gather and organise all relevant financial and business documents, such as tax returns, financial statements, and business plans, to prepare for a commercial loan. It’s also a good idea to improve your credit report. Of course, Absolut can guide you through the preparation process.
What is the typical interest rate on a commercial loan?
Expect the interest rate on your commercial loan to be higher than a consumer or personal loan. However, interest rates can vary broadly depending on your creditworthiness, the loan’s purpose, and other factors.
What’s the difference between a commercial loan and a business loan?
Both terms refer to a case in which a bank or lending institution lends money to a business rather than an individual person. Business loans tend to refer to small amounts lent to small businesses, whereas commercial loans refer to larger amounts lent to medium-large businesses.