Commercial Loans

Commercial Loans from Australia's Leading Commercial Finance Brokers - Access Competitive Rates and Flexible Terms

Rated 5 from 502 Reviews

Commercial Loans Tailored for Your Business Success

When your business needs financial backing to reach the next level, AXTON Finance stands as your trusted partner in securing commercial loans that drive growth and success. As one of Australia's best mortgage brokers specialising in commercial finance, we understand that every business has unique funding requirements, whether you're buying commercial property, expanding operations, or upgrading existing equipment. Our experienced commercial finance brokers work tirelessly to connect you with commercial loan options from banks and lenders across Australia, ensuring you access some of the best interest rates available in the market. The importance of choosing the right commercial finance broker cannot be overstated, as the right partnership can mean the difference between securing favourable terms and settling for less-than-ideal conditions.

Navigating the complex landscape of commercial finance requires expertise, market knowledge, and strong relationships with financial institutions. AXTON Finance brings all three to your business, offering a comprehensive approach to commercial loans that goes beyond simply matching you with a lender. Our streamlined application process removes the stress and uncertainty from applying for a commercial loan, while our deep understanding of loan structures ensures we can recommend the most suitable options for your specific circumstances. Whether you need secured commercial loans backed by collateral or unsecured commercial loans for smaller amounts, we have the connections and expertise to help you secure the funding your business deserves. The loan amount and interest rate you qualify for depends on various factors, but our commercial finance brokers work diligently to present your application in the strongest possible light.

The versatility of commercial loans makes them an invaluable tool for businesses across all industries and stages of development. From buying commercial land and purchasing industrial property to funding new equipment acquisitions and business expansion initiatives, commercial property finance opens doors to opportunities that might otherwise remain out of reach. AXTON Finance recognises that timing is often critical in business decisions, which is why we've refined our processes to deliver results efficiently without compromising on quality or attention to detail. Our commercial finance brokers understand that whether you're looking at variable interest rates for maximum flexibility or fixed interest rates for predictable repayments, the right choice depends on your business strategy and risk tolerance.

Flexible loan terms and repayment options are hallmarks of quality commercial finance solutions, and AXTON Finance ensures you have access to structures that work with your business cash flow rather than against it. Progressive drawdown facilities allow you to access funds as needed during development projects, while revolving lines of credit provide ongoing access to working capital when opportunities arise. These flexible repayment options, combined with features like redraw facilities, ensure your commercial loan adapts to your business needs rather than constraining them. Our commercial finance brokers take the time to understand your business model, seasonal variations, and growth projections to recommend loan structures that support rather than hinder your success.

Choosing AXTON Finance as your commercial finance broker means partnering with professionals who are genuinely invested in your business success. Our reputation as one of the best mortgage brokers in Australia has been built on consistently delivering results for clients across Melbourne and the broader Australian market. We understand that commercial loans represent significant financial commitments, and our role extends beyond simply facilitating the initial transaction to providing ongoing support and advice throughout the life of your loan. When you're ready to take the next step in your business journey, whether that's buying commercial property, expanding your operations, or upgrading existing equipment, AXTON Finance has the expertise, connections, and commitment to help you secure the commercial finance solutions that will fuel your growth and success.

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Common Questions About Commercial Loans

What types of commercial loans are available for my business?

Commercial loans come in many different forms, each designed to meet specific business needs and circumstances. AXTON Finance can help you explore options including secured commercial loans backed by collateral, unsecured commercial loans for smaller amounts, equipment finance for buying new equipment or upgrading existing equipment, and commercial property finance for purchasing commercial land or industrial property. The loan structure and terms available will depend on factors such as your business type, financial position, and intended use of funds. Our commercial finance brokers work with multiple lenders to ensure you have access to the most suitable commercial loan options. To understand which type of commercial finance best suits your specific situation, we recommend booking a free consultation with our team.

How do interest rates work for commercial loans?

Interest rates for commercial loans can be structured as either variable or fixed, each offering different advantages depending on your business circumstances. Variable interest rates typically start lower but can fluctuate with market conditions, while fixed interest rates provide certainty and predictable repayments over the agreed term. The specific interest rate you'll qualify for depends on various factors including your business's financial strength, the loan amount, loan structure, and the lender's assessment of risk. AXTON Finance works to help you access some of the best interest rates available by presenting your application professionally and leveraging our relationships with banks and lenders across Australia. Our commercial finance brokers can explain how different rate structures might impact your business and help you make an informed decision. For personalised advice on interest rate options, please book a free consultation.

What can commercial loans be used for?

Commercial loans offer remarkable flexibility and can be used for a wide range of business purposes that support growth and operational needs. Common uses include buying commercial property, purchasing commercial land, expanding business operations, buying new equipment, upgrading existing equipment, and general working capital requirements. AXTON Finance understands that businesses often have multiple funding needs, and our commercial finance brokers can help structure loans that address several requirements simultaneously. Some loan structures offer features like progressive drawdown for development projects or revolving lines of credit for ongoing operational flexibility. The key is matching the right type of commercial finance to your specific business objectives and cash flow requirements. To discuss your particular funding needs and explore suitable commercial loan options, we encourage you to book a free consultation with our experienced team.

How long does the commercial loan application process take?

The timeline for applying for a commercial loan varies depending on several factors including the complexity of your application, the loan amount, the type of collateral involved, and the specific lender's processes. AXTON Finance has developed a streamlined application process that aims to minimise delays while ensuring all necessary documentation is properly prepared and submitted. Generally, simpler applications for established businesses might be processed within a few weeks, while more complex commercial property finance deals could take longer. Our commercial finance brokers work proactively to identify potential issues early and keep the process moving efficiently. We maintain regular communication with both you and the lenders throughout the process to ensure everyone stays informed of progress. For a more specific timeline based on your particular circumstances, please book a free consultation where we can assess your situation and provide realistic expectations.

Do I need collateral for a commercial loan?

Whether collateral is required for your commercial loan depends on several factors including the loan amount, your business's financial position, and the specific lender's policies. Secured commercial loans typically require collateral such as commercial property, equipment, or other business assets, and often offer better interest rates and more flexible loan terms due to the reduced risk for lenders. However, unsecured commercial loans are available for smaller amounts or for businesses with strong financial profiles. AXTON Finance works with a range of lenders who have different collateral requirements, giving us the ability to find commercial loan options that suit various situations. Our commercial finance brokers can help you understand the advantages and disadvantages of secured versus unsecured options and recommend the most appropriate structure for your circumstances. To discuss your collateral options and explore suitable commercial finance solutions, we invite you to book a free consultation with our team.

Get help from our Mortgage Brokers

We are passionate about delivering reliable client outcome and not just a cookie-cutter service. With over 100 years of combined industry experience, you can trust the team at AXTON Finance.

Joyce Cheng - Mortgage Broker at AXTON Finance

After a distinguished career in private banking at Macquarie Bank, Joyce recognised the value she could provide to clients in a smaller business setting, serving a diverse range of individuals from emerging wealth and high net wealth backgrounds.

Joyce Cheng

Senior Mortgage Broker

Nicole Campbell - Mortgage Broker at AXTON Finance

With over 20 years of experience working in senior mortgage broking roles, Nicole's experience means she has expert knowledge in lending. Whether it be complex lending structures or first home buyers, Nicole's focus is always reliable client outcomes.

Nicole Campbell

Partner Mortgage Broker

Luke Rowland - Mortgage Broker at AXTON Finance

Driven by a desire to empower his clients with the knowledge, resources and service to deliver results, Luke has earned a reputation, shown in his stellar career trajectory for his exceptional proficiency across the lending spectrum.

Luke Rowland

Partner Mortgage Broker

Access to Competitive Rates from Leading Lenders

Select from over 35 different lenders offering hundreds of mortgage products.

Our Reviews

We pride ourselves on being brokers you can actually trust, from the initial consultation through to annual reviews that we perform years after your settlement, our tailored services and relationship focus is built to last.

Need proof that we are one of Melbourne’s best mortgage brokerages? Don’t just take our word for it – we have hundreds of positive Google reviews from real clients so you can rest assured you’re making the right choice with choosing AXTON Finance.

Google Reviews

Rated 5 from 502 Reviews

Worked with David, rapid responses and great quality of service. No complaints

Marco Groot

a day ago

Melanie and her team are efficient and professional. The process is simple and smooth.

Bethany Lau

2 days ago

Joyce is an amazing broker and I cannot recommend her highly enough. Joyce is incredibly knowledgeable and really is on your side the whole way though. We got a great result all due to her efforts and I will definitely be back to her if I ever need help again.

Joshua Ellis

2 days ago

Joyce, girl, you’ve been such a pleasure to work with! Thank you for being so communicative with me and partner throughout the home loan application! You never failed to accommodate our needs and wants and even helped us build a wonderful and reliable team which helped secured us our beautiful home. We highly recommend first home buyers reaching out to Joyce for a no BS working relationship!

Wei Wen

5 days ago

David and the team were fantastic — attentive, thorough and communicated well through the entire process. I highly recommend engaging their services

Cameron

This week

This is our third time using Axton Finance, this engagement was supported by Joyce. I can't speak highly enough of her as a broker, proactive and clear communication and really great support. Nothing phased her and she was incredibly flexible as things moved around. Highly recommend Joyce Cheng, a lovely person and a great broker!

Sinead Mooney

This week

Martin Ryan at AXTON is an absolute gem! Martin is down to earth and extremely thoughtful. His professionalism and knowledge of the mortgage broking game is an untapped fountain of wisdom. Highly Recommend!

The Paint Pimp

This week

Nicole assisted in the purchase of my first home. I found her to be very informative, presented multiple options for me to make my own decisions from and answered all of my questions. Anything that came up she was able to deal with to keep my nerves at bay and ensure things went smoothly.

Amy

This month

AXTON Finance - Melbourne's Best Mortgage Brokers

Frequently Asked Questions

How do rental income and tax benefits affect my investment loan application?

Investment properties offer unique advantages in terms of rental income considerations and tax benefits, but these vary based on your individual circumstances and the specific property. The tax implications can be complex and should be carefully considered as part of your overall investment strategy. Book a consultation to understand how these factors apply to your situation and investment goals.

Can I use equity in my existing home to buy an investment property?

Using existing property equity for investment purchases is a popular wealth-building strategy, but the approach varies depending on your financial position and goals. There are several structuring options available, each with different benefits and considerations. Our experts can assess your equity position and explain your options during a complimentary consultation.

How much can I borrow for a home loan?

Your borrowing capacity depends on various personal and financial factors. While general guidelines exist, your actual borrowing power is unique to your situation, income, and financial goals. The best way to understand your true borrowing capacity is through a personalised assessment. Contact us for a free consultation where we'll provide you with an accurate borrowing estimate tailored to your circumstances.

Can I refinance my existing home loan or investment loan to get a better rate?

Refinancing can offer significant benefits, but whether it's right for you depends on your current loan terms, financial situation, and future goals. Market conditions and available products change regularly, so it's worth having your loans reviewed. Contact us for a free loan review to see if refinancing could improve your financial position.

What deposit do I need for an investment property loan?

Deposit requirements for investment properties vary between lenders and depend on your overall financial profile. While there are general guidelines, your specific situation may open up different options or require alternative approaches. Let us assess your circumstances in a free consultation to determine the most suitable deposit strategy for your investment plans.

What documents do I need to apply for a home or investment loan?

Documentation requirements vary depending on your employment type, loan amount, and chosen lender. Rather than providing a generic list, we prefer to give you a personalized checklist based on your specific situation and loan type. During your free consultation, we'll outline exactly what documents you'll need and help streamline your application process.

What types of home loans does AXTON Finance offer?

We offer a comprehensive range of home loan solutions including owner-occupier loans, first home buyer packages, refinancing options, and specialised lending products. Every situation is unique, which is why we work with multiple lenders to find the right fit for your circumstances. Book a free consultation with our experienced brokers to discover which loan options best suit your needs and financial goals.

How long does the loan approval process take?

Processing timeframes can vary based on your situation, chosen lender, and current market conditions. While we work to expedite every application, each scenario is different. The best approach is to discuss your specific timeline needs during a consultation, where we can provide realistic expectations and work to meet your settlement requirements.

What is an investment property loan and how does it differ from a home loan?

Investment property loans are specialised financing solutions designed for rental properties. They have different requirements, benefits, and tax implications compared to standard home loans. The specifics can vary significantly based on your investment strategy and financial situation. Schedule a free consultation with our investment property specialists to understand how these loans work and whether they align with your investment goals.

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97% Loan Approval Rate

502 Reviews

21 Years of Experience