Australian Property Finance Solutions & Commercial Property Loans

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.

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

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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

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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

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?

Submit Application

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

Apply now 1300 253 041

Get Indicative Quote

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

Letter of Offer (LOO)

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

Valuation and Legal Docs

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

Disbursement

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

Why should you choose Broc Finance?

In a short tenure, Broc Finance has helped Australian businesses, especially the SMEs to secure diverse financing options and facilitate the same via credible lenders. We have a robust network that comprises the top lenders in the country. Our accessibility to varied business loans makes it easy for businesses to get the kind of financing that’s best suited for them.

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.

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!

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Customers that reached new heights with our support

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$1.625M

Secured business loan (caveat)

Entertainment Industry

Learn More

$51.5K

Unsecured business loan

Medical Industry

Learn More

$100.0K

Unsecured business loan

Software & IT Services Industry

Learn More

Real results with real people.

55+ customer reviews

5.0

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.

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!

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.

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 !!!!!!

vishal srivastava

We have used Broc Finance over last 2 years for various business line of credits and vehicle loan. Broc finance have been very professional in this journey. They have understood our needs as business and catered the solutions as per requirement . They look around in market and get one the best financial solution for the business be at vehicle of line of credits . I would strongly recommend the business for there services

Nasir sabiry

Thank you very much in helping me with financing a car SAS. You have been very professional and responsive every time I needed information. Fully recommend to any looking to finance a car.

Ajay Kanumuri

I would strongly recommend. Saroj Shah helped to get my loan with in span of three days. He was very supportive and clearly explained the loan process.

Scott Filby

Excellent experience with the service of Saroj! He did all the hard work and helped me find what I required. Saroj offered excellent suggestions and went the extra mile with his advice, which won my respect and helped in achieving the outcome required.

Have questions? Talk to a specialist!

Read our FAQs 1300 253 041

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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.