Business & Commercial Property Loans
With experience assisting business owners across a broad range of industries and commercial property investments, QF Finance is here to help you navigate your lending needs with confidence.
Business & Equipment Finance
Business Growth and Expansion
A Business Term Loan is commonly used to support growth and expansion, as these initiatives often require a significant upfront investment. Repayments can be structured over an agreed term to help manage cash flow effectively.
Business Cash Flow
Depending on the nature of the business and its cash flow needs, various lending structures may be suitable. These include Business Overdrafts, Trade Finance, and Invoice Finance facilities, each designed to support short-term working capital requirements.
Depending on the type of lending used, security may range from property through to the invoice or debtor ledger. In many cases, a general security charge is also applied to the business entity.
Business Equipment and Asset Acquisition
Access to capital is essential for operating and growing a business. For this reason, it is often recommended that vehicles, machinery, and other business equipment are purchased using an Asset Finance facility. This type of lending is typically secured against the asset itself, with repayments spread over an agreed term. Loan terms can vary depending on the type and age of the equipment being financed.
Commercial Property Acquisition & Development
Purchasing a Commercial Property
Your business may have outgrown its current premises, or you may be considering investing in commercial property rather than leasing. Commercial property lending differs significantly from residential lending, making it essential to structure the finance correctly based on your circumstances and long-term objectives.
Constructing Multiple Dwellings
Developing multiple dwellings can range from small to large-scale projects, each presenting unique challenges and funding requirements. While prior experience is an important consideration for lenders, it is not always a deal-breaker. Engaging an experienced project management firm can significantly assist not only in obtaining finance, but also in ensuring the project is properly budgeted and managed to minimise cost overruns and delays.
Development loans are generally short-term facilities designed to fund a project from commencement through to completion. Upon completion, the sale of the dwellings typically repays the debt. Where some properties are retained as long-term investments, a residual stock loan may need to be considered.
Important Considerations & Disclaimer
Business and commercial loans may require security such as property or business assets, and may involve personal guarantees. Failure to meet repayment obligations could result in loss of secured assets.
Loan terms, covenants and costs vary significantly between lenders and must be carefully assessed.
This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.