Commercial Finance

Commercial lending is assessed on the business, the asset and the cash flow — not a standard household template.

Commercial and business lending is assessed differently from a home loan. Lenders look at trading history, cash flow, the strength of the asset and the structure of the business.

What helps an application

Up-to-date financial statements and tax returns
A clear picture of cash flow, including seasonality
Detail on the asset being financed and its useful life
Aged receivables and payables where working capital is involved

Preparation makes the difference. Getting the documentation in order before an application is submitted usually shortens the process considerably.

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Talk it through with us

Sending an enquiry doesn’t start an application for credit, and there’s no obligation.

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The information provided on this website is general information only and does not take into account your objectives, financial situation or needs. Calculator results are estimates only and should not be relied upon as an offer or approval of credit. Lending criteria, fees, charges, interest rates and eligibility requirements may vary between lenders. Before making a decision, consider whether the information is appropriate for your circumstances and obtain professional advice where appropriate.