When your business is ready to grow — whether that’s expanding operations, buying new equipment or securing a property — the right finance structure can make all the difference. A well-chosen commercial loan can free up cash flow, unlock new opportunities and help you take the next step with confidence.
Commercial loans are designed to support a range of business goals, from purchasing assets to funding growth or managing working capital. The key is finding a lending option that suits your needs, cash flow and long-term plans, not just the one with the lowest rate.
Working with a commercial finance broker can help you access a broader range of lenders, understand your options clearly and secure finance that genuinely supports your next stage of growth.
Understanding Commercial Loan Options
Commercial loans serve various business purposes, each with specific requirements and structures. Whether you're buying commercial property, expanding business operations, buying new equipment, or upgrading existing equipment, different loan products cater to these needs.
A Commercial Finance Broker can help you access Commercial Loan options from banks and lenders across Australia, ensuring you find suitable financing for your specific situation. These professionals understand the lending landscape and can match your requirements with appropriate lenders.
Smarter Funding Options for Growth
Commercial loans come in many forms, each designed for different goals:
• Commercial property finance - designed for buying commercial property or commercial land acquisitions
• Equipment finance - specifically for purchasing or upgrading business equipment
• Working capital loans - to support ongoing business operations and cash flow
• Development finance - for commercial property development projects
• Industrial property loans - when you need to buy an industrial property
Every option comes with its own structure, rate type, and flexibility, and choosing the right fit early can save you time, stress and money.
Secured vs Unsecured: What's Right for You?
The key difference comes down to security.
Secured loans require collateral, such as property or equipment, which typically results in lower interest rates and higher borrowing capacity. The collateral provides security for the lender, reducing their risk.
Unsecured loans rely on your business’s financial strength and credit history, ideal for short-term needs or when you prefer not to use assets as security.
A finance specialist can help assess which suits your cash flow, growth plans and risk comfort.
What Lenders Look For
Lenders want confidence your business can comfortably manage repayments. You’ll usually need:
- Financial documentation - including profit and loss statements, balance sheets and tax returns
- Business plan - outlining your business operations and future projections
- Cash flow projections - demonstrating your ability to service the loan
- Security details - information about any collateral offered
- Personal guarantees - often required from business owners or directors
Preparing these early helps speed up approvals and strengthens your case.
Structuring Your Loan
From variable or fixed rates to flexible drawdowns and revolving lines of credit, how your loan is structured matters as much as the rate itself. At GEN Finance, we help you compare options like:
• Progressive drawdown for staged projects
• Revolving line of credit for ongoing working capital
• Flexible repayment options tailored to your cash flow
• Redraw facilities on some loan products
A Clearer, Smoother Application
We simplify what's often a complex process:
- Discovery - discussing your goals and funding needs
- Preparation - collecting all required financial and business information
- Submission - presenting your application to suitable lenders
- Negotation - lenders evaluate your application and we secure competitive terms on your behalf
- Approval and settlement - you get the funds to move forward
Ready to Move Your Business Forward?
A well-structured commercial loan should support your next step, not create more work for you. Our finance brokers understand business growth and can help you find the right loan, fast.
👉 Let’s chat about your next move.
Book a time that suits you or call our team to discuss your commercial finance options.
