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Whether you are looking at buying commercial property, expanding your business, or investing in a new asset, Finance Hub is here to help you find the right commercial loan for your situation. We work with clients across Regional Victoria to access commercial loan options from banks and lenders across Australia, giving you a broader range of choices than going directly to a single bank.
What Is a Commercial Loan?
A commercial loan is a type of finance used to purchase, develop, or refinance property or assets that are used for business purposes. This includes everything from an office building loan to warehouse financing, retail property finance, and industrial property loans. Unlike a standard home loan, commercial property finance is assessed differently by lenders, with factors such as the commercial property valuation, commercial LVR (loan-to-value ratio), and the income-generating potential of the property all playing a role in how a loan is structured.
At Finance Hub, we help clients understand what lenders are looking for and how to present their situation in the clearest possible way. We do not make lending decisions, but we do the legwork of comparing options and matching you with lenders whose products suit your needs.
Types of Commercial Loans We Can Help With
Commercial finance covers a wide range of lending products. A commercial mortgage is one of the most common, used to purchase or refinance commercial real estate financing such as office buildings, retail spaces, or industrial properties. If you are looking to buy an industrial property, purchase strata title commercial space, or acquire land for business use, a secured commercial loan may be the right fit.
For those looking to build or develop, a commercial construction loan or commercial development finance product may be more appropriate. These loans often involve a progressive drawdown structure, where funds are released in stages as construction milestones are reached. Finance Hub can help you understand how these structures work and connect you with lenders who offer them.
If you need short-term funding while waiting for longer-term finance to settle, commercial bridging finance can bridge that gap. This type of lending is often used in situations involving pre-settlement finance or when a business is in the middle of a property transaction and needs temporary funding.
For businesses that need ongoing access to funds rather than a lump sum, a revolving line of credit may be worth exploring. This type of commercial finance allows you to draw down and repay funds as needed, which can be useful for managing cash flow alongside your property commitments. You can also explore our cashflow solutions page for more information on managing business cash flow.
Secured and Unsecured Options
Commercial loans can be either secured or unsecured. A secured commercial loan uses an asset, such as property or equipment, as collateral against the loan. This typically allows access to larger loan amounts and may come with different commercial interest rates compared to unsecured options. An unsecured commercial loan does not require collateral but may have different eligibility requirements and loan structures.
Understanding the difference between these two options is important when planning your finance strategy. Finance Hub can walk you through both and help you identify which type of loan structure aligns with your circumstances.
Interest Rates and Loan Terms
Commercial interest rates can vary significantly depending on the lender, the type of property, the loan amount, and the strength of your application. Lenders may offer a variable interest rate, which can move with market conditions, or a fixed interest rate, which locks in your repayments for a set period. Some loans also offer redraw facilities and flexible repayment options, which can be helpful for businesses that experience seasonal fluctuations in income.
Flexible loan terms are an important consideration when choosing a commercial loan. Finance Hub works with a wide panel of lenders to help Regional Victoria clients find options that suit their timeline and financial position.
Commercial Loans for Business Growth
Commercial finance is not limited to property purchases. Businesses looking at expanding their operations, buying new equipment, or upgrading existing equipment may also benefit from certain types of commercial lending. For equipment-related needs, our asset finance and equipment finance pages cover those options in more detail.
For businesses that need additional funding beyond a standard commercial loan, mezzanine financing is another option that some lenders offer. This sits between senior debt and equity in a project's capital structure and is typically used in larger commercial development finance scenarios.
If you are considering land acquisition for a future development or business premises, Finance Hub can help you explore commercial property loan options that may suit that goal, including buy commercial land products available through our lender panel.
Commercial Refinance
If you already hold a commercial property loan, a commercial refinance may be worth considering. Refinancing allows you to review your current loan structure, potentially access better commercial interest rates, or adjust your repayment terms to better suit your current business position. Our refinancing page has more general information, and Finance Hub can discuss your commercial refinance options with you directly.
Finance Hub is committed to helping business owners and investors across Regional Victoria make informed decisions about their commercial property investment goals. We are a commercial Finance and Mortgage Broker that takes the time to understand your situation before recommending any path forward.
Step 1: Get in Touch
The first step is easy. Reach out to our team by phone, email, or through our website. Whether you have a clear goal in mind or you are just starting to explore your options, we are here to help. There are no silly questions and no pressure.
Step 2: Initial Consultation
We sit down with you, either in person at our Colac office or over the phone, to get a clear picture of your situation. We take the time to understand your goals, your financial position, and what you are hoping to achieve.
Step 3: Review Your Financial Position
Our team takes a close look at your income, expenses, assets, and liabilities. This helps us understand your borrowing capacity and identify the most suitable options for your needs.
Step 4: Research and Compare
With access to a wide panel of lenders, we do the legwork for you. We compare products, interest rates, fees, and features to find the solution that fits your goals and your budget.
Step 5: Present Your Options
We present our recommendations in plain language, no jargon. We walk you through the options so you can make an informed decision with confidence. You choose what works best for you.
Step 6: Application and Approval
Once you are happy to move forward, we prepare and lodge your application on your behalf. We manage the process with the lender, keep you updated every step of the way, and work to get your approval as smoothly and quickly as possible.
Step 7: Settlement and Beyond
When your loan settles, our job is not done. We stay in touch to make sure everything is working for you. As your circumstances change over time, we are here to review your finance and make sure it continues to meet your needs.
From the first conversation to long after settlement, Finance Hub is in your corner.
If you are ready to explore your commercial loan options, the team at Finance Hub is here to help. Request a callback today and let us connect you with the right lenders for your situation.
Request a CallbackGetting started is straightforward. You can reach out to us by phone, email, or through our website to book an initial consultation. This first conversation is all about getting to know you, understanding your goals, and giving you a sense of how we can help. There is no pressure and no obligation. We will listen to your situation, answer any questions you have, and let you know what the next steps might look like. Whether you are just starting to think about buying a property or you are ready to move forward with an application, we are here to help you feel supported and informed every step of the way.
In most cases, our clients do not pay us directly for our mortgage broking services. We are typically paid a commission by the lender once your loan settles. We are required by law to be transparent about how we are paid, so we will always explain this to you upfront before you commit to anything. If there are any situations where a fee may apply, we will let you know clearly and in advance. Our priority is making sure you feel informed and comfortable with the process from the very beginning, with no surprises along the way.
The documents required will depend on your individual circumstances and the type of loan you are applying for. Generally speaking, most lenders will want to see proof of your identity, evidence of your income such as payslips or tax returns, details of your assets and liabilities, and information about the property or purchase you are looking to fund. If you are self-employed, you may need to provide additional documentation such as business financials. At Finance Hub, we will give you a clear checklist of everything you need to pull together before we get started, so there are no unnecessary delays in the process.
A mortgage broker acts as the go-between for you and a range of lenders. Instead of you having to approach each bank or lender on your own, a mortgage broker does the legwork for you. At Finance Hub, we look at your situation, understand what you are trying to achieve, and then search through a wide range of loan products to find options that suit your needs. We handle the paperwork, communicate with lenders on your behalf, and guide you through each step of the process. Our goal is to make the whole experience feel manageable and straightforward, no matter where you are in Regional Victoria.
The timeline for a loan application can vary depending on a number of factors, including the type of loan, the lender involved, and how quickly all the required documents can be gathered. In general, once we have everything we need from you, we work as efficiently as possible to move things forward. Some applications can be assessed within a few business days, while others may take a few weeks depending on the complexity of the situation. At Finance Hub, we keep you informed throughout the process so you always know where things stand. We believe clear communication is just as important as the outcome itself.
Having a less than perfect credit history does not automatically mean you are out of options. There are lenders who specialise in working with people who have experienced financial difficulties in the past, and Finance Hub has access to a range of these lenders. We will take the time to understand your situation honestly and openly, and explore what may be available to you based on your current circumstances. We will never make promises about outcomes, but we will always give you a clear and honest picture of where you stand and what your options might look like. Everyone deserves to have their situation heard.
Refinancing means replacing your existing loan with a new one, either with your current lender or a different one. People refinance for all sorts of reasons, such as wanting to consolidate debt, access equity in their property, or find a loan structure that better suits their current situation. Whether refinancing makes sense for you depends entirely on your personal circumstances, and it is not a decision to make lightly. At Finance Hub, we can sit down with you, review your current loan, and help you understand what your options are. We will always give you an honest assessment so you can make an informed decision that is right for you.
Absolutely. Finance Hub was built with Regional Victoria in mind. We understand that living outside of a major city can sometimes make it harder to access the same level of financial support that people in metropolitan areas take for granted. We work with clients across the region, whether you are in a large regional town or a smaller rural community. We can meet with you in person where possible, or connect with you over the phone or video call to make things as convenient as possible. Distance is not a barrier when it comes to getting the support you deserve.
Finance Hub can assist with a wide range of lending needs. Whether you are looking to purchase your first home, refinance an existing loan, invest in property, buy a vehicle, or fund equipment for your business, we have the knowledge and lender connections to help. We also work with clients who have more complex financial situations, such as self-employed individuals or those with variable income. No matter what your goal is, we take the time to understand your full picture before exploring what options may be available to you. We are proud to support clients right across Regional Victoria with their varied lending needs.
When you go directly to your bank, you are only seeing the products that one lender offers. Finance Hub works with a broad panel of lenders, which means we can look at a much wider range of options for you. We are not tied to any single institution, so our focus is entirely on finding something that suits your circumstances. We also take the time to understand your goals and explain things in plain language, so you always know what is happening and why. For people in Regional Victoria, having a local broker in your corner can make a real difference when it comes to getting the right support.