Commercial Business Loans
Commercial Business LoansAs a leading Australian private lender, Aquamore sees first-hand the challenges and restraints SMEs face. We don’t want to make things any more challenging than they already are, so our business expansion loans are straightforward, simple and flexible.
Relevant for the various stages of your business journey, commercial business loans of up to $7.5M are available to support growth. Our specialists are on hand to provide specific advice to business mortgage brokers. We’ve provided Australian businesses with some $500M of commercial finance to date – isn’t it time for you to apply for a loan?
Tailoring the Right Commercial Business Loan for Your Company
Whether you’re a real estate developer or head up a manufacturing firm, Aquamore can support the expansion of your company or product line diversification. We offer a range of commercial business loans, allowing you to select the package that will suit your plans.
Commercial Business Loan Benefits
From short-term business finance to commercial property loans, a business expansion loan delivers myriad benefits and helps achieve many goals.
Expansion and Growth
Enter new markets, research new product development and pursue more opportunities.
Working Capital
Maintain healthy cashflows, cover operational expenses and purchase inventory.
Technology Upgrades
Stay abreast of – or lead the way in – the latest technologies, equipment and innovation.
Human Resourcing
Hire and train skilled personnel and provide invaluable professional development.
Marketing & Advertising
Implement effective Marcom strategies, increasing brand visibility and attracting more customers.
Inventory & Stock Management
Manage inventory levels, meet customer demands efficiently and avoid stockouts.
Seasonal Fluctuations
Manage cash flow during slower periods and prepare for peak seasons.
Renovation & Upgrades
Enhance or enlarge physical locations and create a positive, efficient customer and team experience.
Debt Consolidation
Consolidate existing debts, streamline financial obligations and reduce overall interest rates.
Credit Building
Timely repayments can contribute positively to your credit profile, making it easier to access future small or large business loans.
Tax Benefits
In some cases, the interest paid on business loans may be tax-deductible, providing potential tax benefits.
Why Consider Aquamore for Your Business Expansion Loan
Partnering with Aquamore to secure commercial funding has several advantages.
- Exceptional experience—Our specialist team is highly skilled in handling all types of commercial finance applications, whether straightforward or complex. We can provide your business loan mortgage brokers with valuable advice throughout the application process.
- Competitive commercial business loan rates—As a boutique lender, we offer highly competitive business loan interest rates.
- Fast application process—We strive to process applications and provide commercial funding as soon as possible.
- Flexible business commercial loans—We understand every business and situation is unique. We’re also open to varying credit profiles.
- Transparent commercial business loan terms—We don’t bury hidden fees and charges or unexpected establishment fees deep in terms and conditions. As a small business, you can be confident in our total transparency.
Frequently Asked Questions
Our commercial bridging loans, for example, are ideal for developers looking to secure short-term capital to ensure the continued progress of a project while longer-term finance is finalised and put in place.
Our development finance packages can provide a cash injection with a quick turnaround and competitive terms for capital-intensive commercial and residential property ventures.
You may be looking to invest in a Research and Development project and require funding to get started. In this case, a secured business loan could be what you need to get it off the ground.
The specific terms of your loan will depend on the nature of your project. At aquamore, we offer funding from 3 to 24 months. For more information and to discuss your individual position with an expert, you can get in touch with the team to tailor a capital product to your needs. We’re experienced in managing bespoke requests and circumstances and can therefore work with you to find the best financial solution for your business venture.
As with the commercial loan term, your loan rates will depend on a range of factors relating to your proposition but as an illustration, first mortgage rates start from 6% per annum and second mortgage rates are offered from 1.2% per month.
There are several factors that will be taken into account when assessing your eligibility for a commercial property loan. As a lender, we look at the financial health of your business currently as well as historic performance. The amount you’re currently owing on any outstanding debts will also be a factor in addition to existing assets and what deposit you’re in a position to put down on the property. This is typically required to be between 25-30% depending on the location of the property you’re purchasing. If you’re unsure about your eligibility to borrow capital, contact us today to speak to a qualified Aquamore executive who can provide recommendations on your next steps and assist you with your application.
Your commercial proposal and its associated costs will determine how much you need to apply for by way of capital from Aquamore but as a guideline, we facilitate funds between AUD $100,000 and $30million. Our Commercial Finance page details working examples of loans ranging in size that have been recently issued to Australian businesses for purposes such as machinery upgrades and residential development. These examples include details of the loan amount, agreement in place and the rates/exit arranged.
Essentially, these two loan types are one and the same with the primary difference being the phrasing used. A business or commercial loan is designed to support business owners to grow and develop their enterprise, opening up new opportunities and increasing turnover.
Residential loans are targeted to prospective or existing homeowners, allowing them to enter the domestic property market and own their own home. Commercial loans are established for developers or business owners looking to grow their property portfolio or undertake a real estate development project or grow their business. Commercial loans typically incur higher interest rates than residential loans due to their nature and will be in place on a shorter term basis than residential loans.
Since 2016, the Aquamore team has assisted businesses across Australia to grow and develop their commercial enterprises. We are a team of highly experienced executives, specialising in niche business areas including management, finance, property and taxation law. Our knowledge spans both Australia wide and overseas. We’re compliant with financial regulations and hold current AFSL and Credit Licences. Our auditing is carried out by leading external financial consultants including KPMG and Deloitte. At Aquamore, we’re committed to supporting Australian operations to grow and develop by securing capital to allow for expansion and diversification.
We’re Sydney based, with our Head Office located in Sydney’s CBD. You can contact us by phone or alternatively you can use our online enquiry form to submit a request for a member of the team to contact you.
