Commercial Lending for Business Owner

At Madd Commercial, we understand that business owners have unique needs when it comes to financing their operations and growth. Commercial loans can be a vital resource for funding property acquisition, expansion, or renovation. Here’s what you need to know and how we can assist.

Specialised Loans for Business Owners

Business financing presents varied pathways. From equipment loans fueling operational efficiency to expansion loans bridging growth gaps, options abound. Property acquisition loans secure your location, while working capital and strategic partnerships provide flexible funding. Explore these diverse avenues to realize your business vision.

Securing Your Business Location

Commercial real estate loans empower business owners to purchase properties tailored to their operational needs. These loans facilitate acquisition of offices, warehouses, or retail spaces, providing long-term stability and potential appreciation, while securing a valuable asset for business growth and expansion.

Funding Your Business Facility Build

Construction loans provide essential short-term funding for businesses undertaking new facility construction. These loans cover building costs, enabling businesses to realize their expansion plans. They offer a flexible financial solution, allowing businesses to manage construction expenses until long-term financing is secured.

Enhancing Existing Business Facilities

Renovation loans provide vital capital for businesses seeking to upgrade their existing spaces. These funds enable facility improvements, from modernizing interiors to enhancing exteriors, increasing efficiency and customer appeal. These loans empower businesses to adapt, expand, and maintain competitive edge within their respective markets.

Fueling Daily Business Needs

Operational loans provide essential capital for daily business functions. They cover expenses like payroll, inventory, and utilities, ensuring smooth operations. This funding allows business owners to maintain consistent cash flow, address immediate needs, and focus on strategic growth without financial strain.

Powering Business Growth Through Upgrades

Equipment loans provide businesses vital capital for acquiring or enhancing essential machinery and tools. These loans enable strategic investments in technology and infrastructure, boosting operational efficiency and productivity. Whether for new purchases or upgrades, they fuel growth and maintain competitive edge.

Expert Advice That Delivers

We simplify complex commercial lending with strategic guidance, from application through to settlement and everything in between.

Streamlined Process

We streamline the commercial finance process, manage the details behind the scenes, and keep communication clear — so you can stay focused on what you do best.

Access to a Wide Lender Network

We work with a range of specialised and private lenders, giving you access to competitive commercial finance options tailored to your business goals.

Built for Business Growth

Whether you're purchasing property, expanding operations, or investing in assets, we structure finance solutions to support your long-term success.

#Must Know

3 things you should know when seeking a commercial loan

Understanding Loan-to-Value Ratio (LVR) and Debt-Service Coverage Ratio (DSCR)

LVR is a measure of the loan amount compared to the value of the property. A lower LVR means less risk for the lender, which could result in better loan terms. DSCR is a measure of a property’s cash flow compared to its debt obligations. A higher DSCR indicates that the property generates sufficient income to cover its debts, which is a positive sign for lenders.

Importance of a Solid Business Plan

Lenders will want to see a solid business plan that outlines your project, projected costs, expected timeline, and potential profitability. This helps the lender assess the viability of your project and your ability to repay the loan.

Role of Personal and Business Credit

Your personal and business credit histories can impact your ability to secure a commercial loan. Lenders will look at your credit scores, repayment history, and existing debts when assessing your loan application.

Partnering with Business Professionals

At Madd Commercial, we love working with our clients, and our goal is to understand the business operators’ strategy, operations, management, financials, and opportunities, so we can source an optimal funding proposal to assist the growth of business.
Cici Yang
MORTGAGE BROKER & COMMERCIAL BROKER

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Finding the best deal for you from over 30 Australian banks and lenders

Providing personalised advice with the best loan options for your needs

Helping you understand the process and what to do next

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