Commercial Loan
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Strategic Finance Solutions for Business Growth
A commercial loan is designed to help businesses fund expansion, operations, property acquisition, equipment purchases, or strategic investments. Whether you’re scaling operations, acquiring assets, or improving cash flow, the right commercial finance structure can unlock new growth opportunities.
At Breakthrough Solutions, we work closely with Australian businesses to secure tailored commercial lending solutions that align with their financial goals and operational needs.
Types of Commercial Loans We Arrange
We provide access to a wide range of commercial finance products, including:
Commercial Property Loans
Funding solutions for purchasing, refinancing, or renovating commercial properties such as:
– Office buildings
-Retail premises
-Industrial warehouses
-Mixed-use developments
Loan structures can include fixed or variable rates, interest-only options, and flexible repayment terms.
Business Term Loans
A structured loan repaid over a fixed period, commonly used for:
-Business expansion
-Working capital support
-Large inventory purchases
-Strategic investments
Term loans provide predictable repayments and clear timelines for financial planning.
Commercial Lines of Credit
A revolving credit facility that allows businesses to draw funds as needed up to an approved limit. This flexible solution is ideal for:
-Managing seasonal cash flow
-Covering short-term expenses
-Handling unexpected operational costs
Interest is charged only on the amount used.
Equipment & Asset Finance
Finance solutions to acquire machinery, vehicles, or specialised equipment essential for business operations. Options may include:
-Chattel mortgages
-Finance leases
-Hire purchase agreements
These facilities help preserve working capital while enabling asset acquisition.
Development Finance
Tailored funding for property developers and investors undertaking construction or redevelopment projects. These loans are structured around project timelines, feasibility, and projected returns.
Trade Finance
Solutions to support importers and exporters with:
-Letters of credit
-Import/export funding
-Trade credit facilities
Trade finance helps maintain smooth international transactions and supplier relationships.
Interest Rates: The interest rates on commercial loans can vary depending on factors such as the lender, loan type, loan term, creditworthiness of the borrower, and prevailing market conditions. Rates can be fixed or variable.
Loan Terms: Commercial loan terms can range from short-term loans of a few months to long-term loans of 10 years or more, depending on the purpose of the loan and the lender’s terms.
Collateral: Many commercial loans in Australia may require collateral, which could be the asset being financed (e.g., real estate or equipment) or other business assets. Collateral helps secure the loan and can affect the terms and interest rates.
Repayment Structure: Businesses can choose from various repayment structures, such as regular monthly payments, quarterly payments, or balloon payments at the end of the loan term.
Eligibility and Documentation: Lenders typically assess a business’s creditworthiness, financial stability, and business plan when evaluating loan applications. Applicants may need to provide financial statements, business plans, and other documentation.
Government Support: In Australia, there are government-backed loan schemes and incentives aimed at supporting small and medium-sized enterprises (SMEs) with access to commercial finance. These may include the Small Business Loan Guarantee Scheme and the SME Recovery Loan Scheme.
It’s crucial for businesses seeking commercial loans in Australia to thoroughly research their options, compare lenders, and carefully review loan terms and conditions. Consulting with financial advisors or professionals with expertise in commercial financing can also be beneficial in choosing the right loan product for specific business needs.
