Commercial Loans

Getting started is straightforward and begins with an initial consultation where we discuss your financing requirements, business circumstances, and objectives. You can contact us by phone or through our website to arrange this conversation, which helps us understand your needs and explain how we can assist. During this discussion, we'll outline the process, expected timeframes, and any documentation you'll need to prepare. There's no obligation from this initial consultation, and we'll provide clear information about how we operate and what you can expect. Once you decide to proceed, we'll guide you through each step, from document preparation through to loan settlement, ensuring you're informed and comfortable throughout the entire process.

Finance Broker Melbourne specialises in connecting business owners and professionals with appropriate lending solutions across Melbourne. Our services encompass commercial property financing, equipment purchases, working capital solutions, and business expansion funding. We work with an extensive network of lenders including major banks, credit unions, and specialist finance providers to identify suitable options for your specific requirements. Our experienced team handles the application process, documentation preparation, and liaison with lenders on your behalf. This approach saves you considerable time and effort whilst ensuring you have access to a broader range of financing options than you might find independently. We also provide ongoing support throughout the approval process and remain available for future financing needs as your business grows.

Working with Finance Broker Melbourne provides access to multiple lenders through a single point of contact, rather than approaching each institution individually. We maintain relationships with numerous banks, non-bank lenders, and specialist finance providers, giving you exposure to a wider range of products and criteria. Our brokers understand each lender's preferences, application requirements, and approval processes, allowing us to match your circumstances with the most suitable options. This knowledge helps avoid unnecessary applications that may impact your credit profile. Additionally, we handle the complex paperwork and communication with lenders, saving you time and reducing the administrative burden. Our service includes ongoing support and advocacy throughout the approval process, ensuring your application receives proper attention and consideration.

Finance Broker Melbourne maintains ongoing relationships with clients beyond the initial loan settlement. We understand that business financing needs evolve as companies grow and circumstances change. Our ongoing support includes periodic reviews of your facilities to ensure they remain suitable for your requirements, assistance with variations or increases to existing facilities, and guidance on additional financing for expansion or equipment purchases. We also monitor the lending market for opportunities to refinance your facilities when conditions become more favourable. If issues arise with your current lender, we provide advocacy and support to resolve matters efficiently. Our team remains available to discuss new projects, acquisitions, or other financing opportunities as they emerge. This ongoing relationship approach means you have an established finance professional who understands your business and can respond quickly when opportunities or challenges arise. We view our role as your long-term finance partner rather than just a transaction-based service.

Yes, we specialise in commercial property finance across Melbourne's diverse property market. Whether you're purchasing office space, retail premises, industrial facilities, or investment properties, we connect you with lenders who understand commercial real estate. Our service covers owner-occupier purchases, investment property acquisitions, property development projects, and refinancing existing commercial mortgages. We understand the unique aspects of commercial property lending, including valuation processes, deposit requirements, and the importance of location and lease agreements. Our network includes major banks, specialist commercial lenders, and non-bank institutions, enabling us to find suitable financing solutions across different property types and investment strategies.

Before your initial consultation with Finance Broker Melbourne, gather basic information about your business including recent financial performance, current debt obligations, and the purpose of the finance you're seeking. Having your latest financial statements, tax returns, and recent bank statements readily available helps us assess your position quickly. Consider the amount of finance required, preferred repayment terms, and any security you can offer. For asset purchases, preliminary details about the equipment or property are useful. Understanding your business goals and how the proposed finance supports these objectives helps us identify the most appropriate solutions. Don't worry if you don't have everything immediately available - we can guide you through the documentation process. The initial consultation focuses on understanding your requirements and providing preliminary advice about suitable options. We then provide a detailed list of required documentation and work with you to prepare a comprehensive application that presents your business proposition effectively to potential lenders.

We work with a diverse range of businesses across Melbourne, from sole traders and partnerships to proprietary limited companies and established corporations. Our client base includes professional services firms, retail businesses, manufacturing companies, construction enterprises, healthcare practices, hospitality venues, and technology startups. Whether you're a tradesperson looking to purchase equipment, a medical professional establishing a practice, or a growing company seeking working capital, we have experience across numerous industries. We understand that each sector has unique financing requirements and lending criteria, which allows us to tailor our approach to your specific business circumstances and industry dynamics.

Finance Broker Melbourne works with businesses across various credit profiles, including those that have experienced past credit challenges. Our extensive lender network includes institutions that specialise in supporting businesses with non-standard credit histories. We understand that credit issues can arise from various circumstances including economic downturns, industry challenges, or unexpected business events. Our approach involves thoroughly understanding your current financial position and the circumstances surrounding any past credit difficulties. We then identify lenders whose criteria align with your situation and present your application in the most favourable light. This may involve highlighting positive changes, improved cash flow, or additional security that strengthens your current position. While options may be more limited and pricing potentially higher than prime lending, suitable solutions often exist. We provide honest assessment of your prospects and work diligently to identify viable alternatives for your financing needs.