Commercial Advantage Loans
Whether you’re looking for commercial property loans, business capital funding, or commercial investment loans to provide flexible business finance, our Commercial Advantage Loans are structured to help you act quickly and confidently. With loan amounts up to $10 million**, flexible repayment terms, and approvals designed to meet your finance needs, we make it easier for you to secure the capital you need when opportunities arise – subject to normal lending criteria and eligibility checks.
Loan Snapshot
Finance One Commercial understands that businesses need access to capital quickly. That’s why our large commercial loans are designed to deliver funding with speed and flexibility. With loan amounts up to $10 million**, we provide tailored support to help you complete projects, expand operations, or seize new opportunities.
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Loan amounts: $250,000 – $10,000,000**
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Loan terms: 6 – 24 months
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Repayment options: Principal & interest, interest only, or capitalised interest
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Maximum LVR: 70% secured by commercial property (up to a maximum 80% LVR where secured by Residential security) · Approvals: Fast credit assessment and settlement
What can I use a commercial advantage loan for?
We make the funding process simple and efficient, so you can access the capital you need without the delays of traditional banking. Our Commercial Advantage Loans are designed to support a wide range of business financing from property purchases, working capital, consolidating business debts, business expansions and other such opportunities. With flexible structures and quick approvals, we help you move forward with confidence.
We support a wide range of business needs
- Commercial property loans
- Business debt consolidation
- Working capital finance
- Business investment
- Second mortgages
Can I apply for commercial advantage loan?
You may be eligible if you are:
- A SME business in Australia looking to grow or expand
- Have available equity in commercial property or residential property for a first or second mortgage
- A company or trust seeking commercial investment loans or property purchase loans
- A borrower requiring non-conforming loans or alternative business lending
- Able to demonstrate a track record of experience and a clear exit strategy
Why choose Finance One Commercial?
- Fast business finance with quick approvals and settlements
- Flexible repayment structures
- Security available in metro and non-metro locations
- Options for a first mortgage loans and second mortgage loans
- Specialist in equity-backed commercial finance and non-bank commercial purpose loans
- Rates and solutions tailored for commercial purposes, investors, and business owners
Who can we help?
Our solutions are ideal for:
- Self-employed customers and SMEs who need flexible finance
- Borrowers with alternative documentation to validate business income
- Debt consolidations, including business tax debts
- Borrowers needing access to private lending or second mortgages
- Flexible cash out options
How to apply
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STEP 1 – Scenario Workshopping
Discuss your scenario with our team to identify the right product and funding option.
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STEP 2- Indicative Terms Sheet
We will provide indicative terms, such as interest rates, fees and security requirements
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STEP 3 – Application & Proposal
Submit your application and loan proposal for assessment.
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STEP 4 – Approval
Receive a credit decision and a formal offer quickly.
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STEP 5– Documentation
Legal agreements are prepared and provided for your execution
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STEP 6 – Settlement
Once documents are signed, we can proceed to deliver your funding and you can move forward with confidence.
Frequently Asked Questions
What is a Commercial Advantage loan?
Can I get a loan if I don’t meet traditional bank criteria?
Do I need an exit strategy?
Secure the advantage
Finance One Commercial is here to help you act on opportunities with fast, flexible commercial loans. Our team will work with you through every step of the application process to access suitable commercial finance solutions.
Disclaimers:
Normal lending criteria, fees and charges apply. Terms and conditions are available on request. All applications are subject to Finance One’s credit assessment against internal lending criteria to ensure suitability. This information is general in nature and does not take into account your objectives, financial situation or needs. Credit assessment and settlement timeframes vary depending on the loan type, supporting documents, and borrower circumstances.
*48 hour approvals are subject to satisfactory documentation being provided to assess the application.
**Normal lending criteria, terms & conditions, and fees & charges apply
Loans are for business purposes only and are not regulated under the National Consumer Credit Protection Act 2009.