How To Choose The Best Commercial Lender


Finding the right commercial lender is crucial to your business – both now and in the future.

Rates, payment terms, lending periods, processing speeds, and customer service responsiveness can affect whether the loan becomes a help or a hindrance to your business goals. Finding the right commercial loan lender is key to maximising return.

But with so many commercial lenders in Australia and so much at stake, how do you make the right selection? Here, we share the top attributes of commercial lenders – like Aquamore!

  1. Get the support of a finance broker

    Finance brokers are renowned for securing the most suitable loans for their business clients. This is because they have deep product and industry knowledge and understand the complexities involved with commercial finance.

  2. Get the right commercial loan terms

    Competitive rates and flexible repayment terms are crucial.

    Not only does Aquamore maintain highly competitive rates, but we tailor many terms to your business situation. We don’t penalise you for early repayments – we genuinely want you to succeed. Furthermore, we believe your business should be rewarded, not reprimanded if you pay off a loan early.

  3. Understand how Loan-to-Value Ratios can affect loan rates

    When considering a commercial property loan, the loan-to-value ratio (LVR) is the amount you wish to borrow divided by the estimated value of the property you intend to purchase. Typically, a higher ratio is associated with a higher risk, which, in turn, usually means a higher interest rate will be charged (and vice versa).

    Unlike many traditional banks and commercial business lenders, Aquamore considers LVRs on a case-by-case basis. So don’t assume the formula – have your financial broker contact our Aquamore associates to learn more or workshop a scenario.

  4. Seek out commercial finance lenders with a solid reputation

    As a private lending company with an Australian Financial Services License (AFSL) and Credit Licenses, Aquamore has supported Australian small businesses with competitive and aligned financial products. In fact, since 2016, we have provided ~$1 billion in loans to SMEs.

    Our credit team has vast experience in commercial finance structuring and management, domestically and overseas. An Investment Committee and a Compliance or Credit Committee, each comprising at least one independent representative, oversees Aquamore’s funds. Deloitte or KPMG audits all financial reports.

    We have an excellent reputation within the industry and among small business customers.

    In addition, industry media such as Australian Broker News and The Adviser often reach out to us for commentary.

  5. The best commercial loan lenders get to know your business

    We see your vision and support it.

    Although we deal exclusively with your financial broker, we also take the time to get to know your business.

    One of our strongest attributes is an open mind towards how Australian SMEs operate. We don’t try to force ‘square pegs into round holes’ the way more traditional lenders might. We want to set you up for growth and success; not stuck in debt and struggling.

  6. Look for fast-operating, responsive commercial loan lenders

    When you run a business, time is of the essence. For instance, falling short of funds to secure game-changing machinery or to advance-purchase stock in bulk can have a ‘make or break’ outcome.As experienced commercial business lenders, we know the clock is crucial. Our loan applications are quick, streamlined and efficient.

    Forget about weeks of waiting for finance. With Aquamore, it’s often a matter of days.


Want to speak to our commercial lenders?

If we sound like the right commercial lender for your business, have your broker contact us. We’re here to help you grow and succeed and will commit to doing all we can to make that happen.

Care has been taken to ensure the content herewith is correct at the time of writing. However, this information is provided for discussion purposes only. Parties relying on this content should undertake their own independent research and enquiries before deciding if this is of relevance to you. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates are subject to change. Approved applicants only.

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