Commercial Loans
Expert commercial loan support for property, equipment and business purchases across Australia
Rated 5 from 44 Reviews
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Expert commercial loan support for property, equipment and business purchases across Australia
Rated 5 from 44 Reviews
At Premier Path Finance, we understand that securing the right commercial loan is essential for your business growth. Whether you are buying commercial property, expanding business operations, or upgrading equipment, our expert team is here to assist you every step of the way. By helping you access commercial loan options from banks and lenders across Australia, we ensure you find a solution tailored to your needs and goals. Our focus on providing a thorough yet efficient application process allows you to concentrate on what truly matters - your business success.
When applying for a commercial loan, understanding the various options available is crucial. We offer access to both secured and unsecured commercial loans, allowing you to choose based on your business requirements. Secured commercial loans may offer lower interest rates as they are backed by collateral such as commercial property or equipment. Unsecured loans, on the other hand, do not require collateral, providing flexibility if you prefer not to tie up assets. Regardless of your choice, our team will guide you through the loan structure, ensuring you understand the terms and conditions fully.
Interest rate options play a significant role in choosing the right commercial finance solution. You have the flexibility to select between a fixed interest rate and a variable interest rate. A fixed rate offers stability with predictable repayments, while a variable rate can fluctuate, potentially delivering savings if rates decrease. Flexible repayment options and the possibility of a redraw facility can also be valuable, allowing you to adjust payments in line with your cash flow. Our team will help you evaluate these options to find the right fit for your business.
Commercial property finance is a popular choice for businesses looking to purchase commercial land or industrial property. Whether you are acquiring commercial property for investment or operational purposes, understanding loan terms and structures is essential. Progressive drawdown and revolving line of credit options are available to suit different financial strategies. Progressive drawdown can be particularly useful when funds are needed in stages, such as during construction loans. Our experts are here to clarify the complexities of buying commercial property, ensuring you make informed decisions.
For businesses focused on growth through acquiring new equipment or upgrading existing assets, we offer tailored solutions with flexible loan terms. Asset finance can be structured to align with your business cash flow, providing the tools you need without placing unnecessary strain on your finances. By offering flexible repayment options and a range of interest rate structures, we ensure your business remains agile and ready for future opportunities.
Whether you are exploring business loans to expand operations, development loans for larger projects, or considering private lending as an alternative funding pathway, Premier Path Finance is here to help you find the right structure. Our goal is to provide comprehensive commercial finance support to meet the diverse needs of businesses across Melbourne and nationwide. Reach out to our team today to discuss how we can support your path to business success.
At Premier Path Finance, our approach to Commercial Loans is built around your business objectives, not a generic checklist. Here is how we work with you from the first conversation through to settlement.
We begin with a genuine conversation about what you are trying to achieve - whether that is purchasing commercial property, acquiring equipment, or funding a business acquisition. Commercial Loans serve a wide range of purposes, and we take the time to understand your specific situation before making any recommendations.
We assess your income, expenses, existing liabilities, and any assets that may support your application. This gives us a clear picture of your position and helps us identify lenders and loan structures that are well-suited to your profile and the nature of your transaction.
Not all commercial finance products are the same. We compare options across our panel of lenders - secured and unsecured facilities, progressive drawdown, revolving lines of credit, and more - and present you with a shortlist that reflects your priorities, whether that is managing repayments, preserving cash flow, or optimising your overall finance structure.
We manage the paperwork and liaise directly with lenders on your behalf. Our team ensures your application is presented accurately and compellingly, giving you the strongest possible position for approval.
Once your application is approved, we walk you through the terms, answer any questions, and coordinate settlement so everything proceeds without delay. You will know exactly what you are signing and why.
Our relationship continues well beyond settlement. As your business grows and your finance needs evolve, we are here to review your facilities, explore refinancing opportunities, and ensure your arrangements continue to serve your goals.
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Is
Luke was amazing helping me buy my first property, from our initial chat and chatting about my circumstances and next steps right through to settlement! Luke was always happy to answer my questions, talk through the process and give me all the options, and made a process I had no idea about as seamless as possible. Couldn’t recommend more highly!
SK
Stacie Karas
We have dealt with Luke from Premier Path Finance on numerous occasions for purchase of properties and refinances. Luke is very responsive and nothing is too much trouble. He has his clients’ best interest at heart! Every dealing has been a smooth and stress free transaction and we would not even consider engaging anyone else in the future. Highly recommend!
RS
Rhys Smith
Luke Owen has been my go-to lending guy for many years. Previously he was with CBA Private Banking. A+ and VIP service. He joined Premier Path in recent years which has been a game changer. It's opened up lots of new possibilities for lending, residential, commercial and SMSF. I've introduced several heavy hitter former C-level employees to Luke and they've always been impressed! The service is even better now that he's not hamstrung by CBAs sometimes onerous rules!
Banks can only offer their own products. At Premier Path Finance, we compare a wide range of lenders to help you find a loan that suits your goals and circumstances.
We do the research, paperwork and negotiations on your behalf, making the process simple, stress-free and easy to understand.
Currently over 80% of loans in Australia are provided through a broker instead of directly at the bank, due to the options a broker can provide.
There is no cost to you for using a broker.
We are paid by the lender once your loan settles, which means you won't pay any additional fees and there is no impact on your interest rate or loan terms. Our service is designed to make the process easier by doing the research, comparing lenders and managing the paperwork on your behalf.
With Premier Path Finance, you receive expert advice and support at no extra cost, while we do the hard work for you.
Your borrowing capacity depends on factors including:
• Your income
• Existing debts and expenses
• Deposit amount
• Employment type
• Credit history
We'll assess your situation and help you understand your borrowing power before you start looking for a property.
Many lenders allow eligible borrowers to purchase with as little as a 5% deposit. A larger deposit may provide more lender options and help reduce costs such as Lenders Mortgage Insurance (LMI).
We'll guide you through your options and explain exactly what you'll need.
Pre-approval is an indication from a lender of how much you may be able to borrow before you purchase a property.
Pre-approval can help you shop with confidence and understand your budget. We'll manage the entire process and liaise with the lender on your behalf.
Timeframes vary depending on the lender and your circumstances. Many approvals are completed within a few days to several weeks.
Our team keeps the process moving and handles the communication with lenders, making everything easier for you.
Absolutely.
Buying your first home can feel overwhelming, but we'll guide you through every step. We'll explain the process in plain English, help you understand your borrowing capacity and determine whether you're eligible for grants and concessions.
Depending on your circumstances and location, you may be eligible for:
• First Home Owner Grants
• Stamp duty concessions
• Home Guarantee Scheme initiatives
We'll help you understand what support may be available and whether you qualify.
Yes.
A guarantor loan may allow eligible borrowers to purchase with little or no deposit while avoiding LMI.
Using a family guarantee in some cases can cover the full purchase cost of a property, inclusive of stamp duty (105% lend), with identical loan terms to a standard loan.
We'll explain how guarantor loans work and whether they're suitable for your circumstances.
Lenders Mortgage Insurance is generally required when you borrow more than 80% of the property's value.
LMI protects the lender, not the borrower. The cost varies depending on the size of your loan and deposit. We can help you understand whether it applies and explore options to minimise or avoid it.
Refinancing may help you:
• Lower your interest rate
• Reduce repayments
• Consolidate debts
• Access equity
• Improve loan features
We'll compare lenders and manage the refinancing process from start to finish.
Yes.
If your property's value has increased or you've paid down your loan, you may be able to access equity for:
• Renovations
• Investment properties
• Debt consolidation
• Personal expenses
We'll help you understand how much equity may be available and which options suit your goals.
Yes.
We assist investors with:
• Investment property loans
• Equity release
• Portfolio growth
• Interest-only lending
• Refinancing existing loans
Whether you're buying your first investment property or expanding your portfolio, we'll help create a strategy that aligns with your goals.
Yes.
Depending on your circumstances, some lenders offer low-deposit home loans and government schemes may also help eligible buyers enter the market sooner.
We'll explain your options and help you find a pathway into home ownership.
A fixed rate provides certainty by locking in your interest rate for a set period.
A variable rate can change over time and often offers greater flexibility, including offset accounts and extra repayments.
We'll explain the pros and cons and help you choose the right loan structure.
An offset account is a transaction account linked to your home loan.
The balance in the account reduces the amount of interest charged on your loan, potentially helping you save thousands over the life of your mortgage.
A construction loan is designed for people building a new home.
Funds are generally released in stages throughout the building process rather than in one lump sum.
We'll guide you through the process and coordinate with the lender and builder to help everything run smoothly.
Settlement is when ownership of the property is officially transferred and the loan funds are released.
We work closely with your lender, solicitor and conveyancer to ensure everything runs smoothly and keep you informed every step of the way.
We recommend reviewing your home loan every 12 to 24 months or whenever your circumstances change.
Regular reviews can help ensure you're still getting a competitive rate and the right loan features.
Multiple loan applications can impact your credit file.
That's why we carefully assess your situation first and recommend suitable lenders before submitting an application, helping you avoid unnecessary enquiries.
Premier Path Finance Pty Ltd ABN: 69 684 858 802. Credit Representative #570775 is authorised under Australian Credit Licence #384704.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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