favi

Caveat or second mortage possible

Short term between 3 months -30 years

No minimum income or trading history needed

LVR up to 80%

Bad credit accepted

What is property finance?

Running a business smoothly requires funds, at times when the business financials or cash flows are not strong enough are not enough to get the required funding for the business, a property finance can be one of the best funding options wherein you can get a low doc or no doc approval. A business loan for property owners is a flexible way to unlock the equity in your property and turn it into a funding source to maintain the smooth functioning of the business.

Putting in simple words, property finance is any financing transaction which is backed or secured by a property. A business owner secures a loan against property that can be either residential property or commercial property.

Are you eligible?

  • Have an active Australian Business Number (ABN)
  • The loan should be wholly or predominantly used for business or investment purpose

Our loan guide

Property Finance

Loan amount

$50k - $50m

Interest rates from

7.99% p.a.

Loan term

upto 30 yrs

Pre-approval time

24-48 hrs

Unconditional approval & settlement time

3-7 business days

Repayments

Principal & interest | Interest only | Capitalised interest with bullet repayment

Security

Required with funding possibilities up to 80% LVR

What you need to know

Can be used for

Buying/investing into new business

Buying Equipment

Developing properties

Disposing residual stocks

Other working capital needs

Documents required (low doc approval)

Valid identification proof

Security Details

Exit Strategy

Others depending upon loan product

Documents required (full doc approval)

ATO Portals

Financial statements and tax returns

Company / Individual tax returns

Benefits

Start-ups/new businesses eligible

Can borrow higher amount loans

Bad credit history can be considered.

*The information provided in critical information sheet is intended as a guide only. Please contact us for more information.

Unlock growth by releasing equity in your Property with Business Loan Against Property.

youtube_thumbnail

The Most Popular Property Finance Products

Businesses operating in different industry could have different asset requirements and most of them can be financed through any of the above-mentioned options. Some of the most popular asset finance options are listed below

1st/2nd Mortgage loans

These loans are generally secured against real estate properties by the way of 1st or 2nd mortgage on the property

Max LVR up to 80%

Principal and Interest/ Interest only/ Capitalised interest options available.

Loan term 3 months -30 years

Mostly require valuation done through valuer

1st/2nd charge registered on the title of the property

No Doc loans without any minimum income/ credit/ age/ postcode requirement possible

Learn More
mortgage-loans

Caveat loans

Caveat loans are a type of business loan where in a caveat is lodged on the property by the lender against the loan.

Enables to get higher loan amount for the business

Generally, desktop valuation is done.

Caveat lodged on the property.

Loan term up to 5 years

Loan amount eligibility is assessed basis

Low doc /full doc approvals

Learn More
caveat-loans

Bridging finance

As the name suggests, a bridging finance is a short-term facility to bridge interim cash flow gaps

Max LVR up to 75%

Interest only/ Capitalised interest options available.

Loan term up to 12 months

No Doc loans without any minimum income/credit

Ideal for situations where one wants to purchase and sell a property simultaneously, Paying ATO debts etc.

Strong exit strategy required.

Learn More
bridging-finance

Commercial Property loan

A commercial property loan is a type of loan availed against commercial property.

Can go max up to 70% LVR

Both low doc and full doc loans available

Principal and Interest/ Interest only/ Capitalised interest options available.

Rental yields taken into consideration for full doc loans

Ideal for purchasing commercial properties, fund startup business, purchasing equipment for business etc.

Learn More

Residual Stock Finance

A residual stock finance is a finance against unsold stocks from a property developed by a developer.

Can get up to 70% LVR financing

Both commercial and residential properties eligible.

Loan term up to 36 months

Registered first mortgage required

Can be used to refinance a development facility loan/cash out.

Lender usually set up separate loan for each dwelling/unit to settle when the unit is sold.

Learn More

Development/Construction Finance

A construction or development finance is funding obtained to complete the construction/ development of a property.

Get the right equipment for the right construction task with construction equipment financing

Can go max up to 70% LVR

Single residence, duplex and low to medium density constructions.

Can be both residential or commercial site construction/development.

Loan term is tailored to the project.

Loans with no presale requirements available.

Learn More

What you should know about property loans for Business

Have questions? Speak to our experts!

1300 253 041 Contact Us

Things to keep in mind while applying for property finance

Finding the right property loan can be a stressful and time-consuming task. We at Broc Finance are empanelled with 50+ lenders and have extensive experience in property finance and endeavour to find the best loan options for our customers. So, instead of going through all the leg work, share your requirements with us and we will assist in getting the right loan for you.

There are many things that a business should consider. As a finance broker, we have witnessed impulsive decisions that have impacted the business and loan repayment. So, to help every reader avoid such a situation, consider the below points before applying.

While applying for the loan, it is very important to know the purpose. Since property finance involves risk on losing the asset, one should deploy the funds for the right purpose.

Even if the purpose justifies the need for funds, the business has to consider the second most important factor of loan which is repayment. After the loan is approved, the business has to repay the whole amount in equal monthly installments if it’s a principal plus interest or interest only repayment option. In case if it’s a capitalized interest option, one should be mindful of the bullet repayment at the end of the facility.

The process of availing of a loan is incomplete till the business finds the right lender. Based on the needs you as a business owner ensure to choose the ideal lender which has flexible terms apt to your requirements

Lastly, there is a possibility that you find two or three lenders that are offering exactly what you want. Now in such cases, you can simply compare the offer and check which offer will benefit the business. Based on the analysis, choose the right lender with the right offer for the business.

What are the benefits & disadvantages?

Benefits

No Doc funding possible

Can release equity in the property to invest in other ventures

Helps to bridge short term capital gaps

Interest only/interest capitalization options are available to better manage the cash flows

Timely repayment of your unsecured business loan helps build a strong credit history, which will help get competitive interest rates in the future.

Regular on time repayments help in building the credit history

Disadvantages

Generally higher interest rates than banks

Generally, Short term funding up to 36 months

Risk of losing asset in case of default

How do I apply for a property loan for business?

1. Submit Application

First step is to simply fill out the application form with the required information and loan request.

Apply now 1300 253 041

2. Get Indicative Quote

Once the application is received, our lending specialist would get an indicative quote within 24-48 hours.

3. Letter of Offer (LOO)

Once we receive the mandate to proceed basis indicative quote, we get a formal letter of offer from the lender.

4. Valuation and Legal Docs

On receipt of signed LOO, the lender would initiate valuation and get loan docs prepared.

5. Disbursement

Once we receive the mandate to proceed basis indicative quote, we get a formal letter of offer from the lender.

why-choose3

Why should you choose Broc Finance?

Tailor made options

Being a small business owner, many of our clients are not sure of right loan product for their businesses. Our lending specialists understand their needs and recommend tailor made options.

Personal Consultation

Unlike business loan marketplace websites which use AI based algorithms to match your requirements, we provide obligation free personal consultation as every business is different and an AI based algorithm may not provide them the optimum solution.

personal-consultation

Competitive Pricing

We endeavour to achieve the optimum business loan solution for our clients at the most competitive pricing possible.

Clear communication

We understand the essence of time so don’t believe in wasting our customers time by giving false hopes. Transparent and clear communication is in our DNA.

Success Stories...

Our customers that were just like you!

Apply now

Customers that reached new heights with our support

See all stories
success-story23_001

$1.625M

Secured business loan (caveat)

Entertainment Industry
Learn More
success-story22

$51.5K

Unsecured business loan

Medical Industry
Learn More
success-story21

$100.0K

Unsecured business loan

Software & IT Services Industry
Learn More

Real results with real people.

65+ customer reviews

5.0

John Christian

John Christian

Broc Finance were a pleasure to work with. Saroj took the time to understand the purpose for the facility and my business. In doing so, he secured exactly what I wanted, quickly and at a very competitive rate. I’d recommend Broc Finance to anyone looking for a finance facility who wants to work with a broker who can provide that personal experience that the Big-4’s just don’t offer. Great experience!! I look forward to working with Broc Finance in the future.
Manpreet Kaur

Manpreet Kaur

Our sincere thanks to Saroj ji & his team for their invaluable assistance in securing the loan. We are extremely greatful for his exceptional service & support throughout the process. Highly recommend!
Amish Desai

Amish Desai

A true professional with in depth knowledge of products and processes; Real time delivery of service, with a customer centric view, simply superb Saroj!
Harry Gill

Harry Gill

It was Great to work with Saroj. He was very accomodating and helpful . The process of the loan was very simple and easy. Saroj kept me updated at every step. Highly Recommend Saroj . Harry
Matthew

Matthew

Broc Finance were awesome…really responsive and solutions focussed. We especially appreciated having a broker who was an advocate for our interests when engaging with lenders.
Niteesha Nagowah

Niteesha Nagowah

We had an incredible experience working with Saroj from Broc Finance. He is incredibly knowledgeable, responsive, and guided us through the purchase of our company vehicle with expertise. The attention to detail and commitment to finding the best possible options truly set him apart. Highly recommend his services for anyone navigating the complexities of obtaining a finance. Thank you again for outstanding assistance.
Ibrahim Alpay

Ibrahim Alpay

Saroj and his team is amazing have been using him for business funding for over a year he has found surprising solutions when others couldn’t make it happen very skill full with negotiating high loan amounts that I would never expect at wonderful terms and rates look no further I recommend broc finance for your business lending purposes look no further and don’t think twice much appreciated won’t go to any other broker at all many thanks to his team !!!!!!
Greg Canal

Greg Canal

Saroj Shah (Sas) was very easy to deal with and the outcome was just what we wanted and super fast. Thank you

Have questions? Talk to a specialist!

Read our FAQs 1300 253 041
form-img

What loan are you looking for?

Tell us about yourself

Can't remember? Find it here

Frequently asked questions

Securing huge amounts in loans with limited or no documents is not an easy task for businesses. Property finance as compared to other business loans offer to unlock equity in your property and get a no doc/low doc approval as well.

Getting a loan with a bad credit history is tough but not impossible. Especially when you’ve got a property to back your loan, your chances of getting a loan with a bad credit history improves.

The duration of property finance depends on the property finance product that you are after. Generally, the term ranges between 3 to 36 months.

Applying for property finance is quick and easy with Broc Finance. All you need to do is simply fill out the application form with all the required documents. Once your application is received, our team with get in touch with you for a personal consultation and can get an indicative quote for you within 24-48 hours. The funding is possible within 3-7 business days.