Commercial Loans
Supporting your business with a commercial loan in Sydney
Unlike personal loans, commercial loans are designed for business-related purposes. These loans can come in various forms, including term loans, lines of credit, equipment financing, and commercial real estate loans, depending on your business’s needs.
If you need a little help to build your startup, scale your company, or grow your real estate business, we can help you secure the financing you need.
We’ll scour our network of over 50 lenders and help you find the right lender and the right loan so you can achieve your business goals.
How can you benefit from a commercial loan?
Large amount of funds
You can borrow a bigger amount of money compared to personal loans. This will allow you to cover startup costs, and operational expenses, or even acquire a new business.
Full control of the money
You can use the money however you want and run your business according to your plans, without giving up any ownership or profit to investors.
Easy access to the funds
You don’t have to wait for years to raise money from your business profit or investors. You can get financing from lenders quickly and conveniently.
How much will it cost you build a home?
Your owner-occupied home loan repayments
Your estimated repayments:
Principal and interest periodComparison rate:
Total interest payable: 6.14% p.a.
6.14% p.a.
$571,628
Getting a commercial loan in Sydney
Below are some of the things you must prepare if you’re applying for a commercial loan in Sydney.
Collateral
You will need to have some assets that you can pledge to back up the loan, such as accounts receivable, inventory, or personal property. Banks will only lend you money if they can reduce their risk.
Business plan
You will need to have a well-written business plan that summarizes your company, product, market, team, and financials. Banks will want to see how you plan to use the loan and how you will repay it.
Financial statements
You will need to provide your business and personal financial statements, such as balance sheets, profit and loss statements, tax returns, and credit reports. Banks will check your financial health and credit history.
Personal guarantee
You will likely have to sign a personal guarantee that makes you liable for the loan in case your business fails. Banks will want to see that you believe in your business and are willing to take responsibility.
Loan covenants
You must agree to some conditions that limit your business activities, such as maintaining certain financial ratios, not taking on more debt, or not selling your assets. Banks will monitor your compliance with these covenants and can declare you in default if you violate them.
If all these sound overwhelming, we can help you understand more about how commercial loans work. We can also help you get the right commercial loan for your business needs.
With 50+ lenders at your fingertips, you have the power of choice
When you set out on your own seeking a loan, banks have the power to reject you. But with us on your side, it’s the other way around. We choose the most suitable loan for your unique needs.
You’re only 3 steps away from your financial goal
Step 1
Reach out to us and let’s discuss your situation and what kind of loan you need.
Step 2
Sit back and relax while we search our network to find the perfect loan for you.
Step 3
Choose the best loan that suits your needs. Then we’ll submit a foolproof loan application to secure your financing.
Why Lend & Loan
10 years of experience
We’ve been doing this for a decade, so we’ve built strong connections with lenders and we know their lending policies inside out. This helps us find the right loans that suit your needs.
One-touch approvals
We know exactly what banks and other lenders require from the get-go. We’re experts at putting together foolproof loan applications that lenders approve without further questions.
Accessibility
We’re not like your typical 9-5 mortgage brokers. You can reach us when you need us, and we’ll get back to you within four hours.
Efficient processes
We understand that you’re busy, so we keep things simple. We try to avoid in-person meetings to save you time and make the loan process easy and stress-free.
Don’t take our word for it, take theirs.
We’ve helped hundreds of Australians
get approved for a loan and achieve their financial goals. Hear it from our
happy clients.
John has been absolutely brilliant! Helped me all the way through the application process and explained everything step by step. Great to have him in my corner navigating through interest rates, products, etc. Thank you!
- Peter Hanna
John and the team at Lend & Loan have been great through the process of our loan application. They were very responsive and always made my wife and I confident we were in the right hands. Highly recommended.
- Luke Saide
John from Lend & Loan was incredible during the process of buying our first home. He was very professional, quick at responding and was happy to answer any questions we had. I would highly recommend him to all my friends & family.
- Rachelle Obierzynski
John has been amazing to deal with from the beginning. He has been extremely patient, professional and optimistic throughout the whole process with our application and we can’t thank him enough for all his hard work! Highly highly recommend him. Thank you again!
- Maryanne Layoun
