Clear mortgage process
Free business credit advice
Are you looking to grow your business?
We're ready to match your business with a financial solution and provide professional advice on a full range of commercial and business finance options.
When looking for the right finance for your commercial investment or business, it's more complicated than going into your old bank and asking what they can do for you.
Australian Mortgage Corporation has the expertise to understand your business and can provide you with access to a wide range of lenders across Australia.
Whatever your situation, Australian Mortgage Corporation has a suite of commercial finance solutions to suit your needs.
We provide professional advice on a full range of commercial and business finance options that include inventory finance, franchisee loans, debtor finance, commercial property finance and working capital finance.
In commercial lending there is no "one size fits all" policy. Lenders will look closely at the following aspects of your business:
Your industry experience and past history of business success
A business plan, market and competitor analysis completed?
Your personal financials and other debt
Your collateral (e.g. property) as loan security
Purpose of the loan, e.g. property
EXPANDING YOUR BUSINESS
Paul runs a profitable signage firm with her wife Karen, which now employs 8 people. They required finance to purchase a business premises so their firm could expand. Their cash earnings are good and they maintain a good lifestyle. However, their taxable income is quite low. This frequently acts against them whenever they have visited their bank branch to inquire about finance.
Australian Mortgage Corporation worked with them and presented a strong business case to various lenders to fully finance the purchase of commercial premises. This not only serves as the business HQ but has allowed them rent some of the office to help repay the loan on the business.
Finance was secured 75% against premises and the remainder (including stamp duty) was borrowed against their home. Within 5 years they plan to have no mortgage on their home and the business debt will be secured only against the premises.
HELP FOR YOUR BUSINESS
To get your business running, you need the right equipment. You can borrow funds to buy a car or equipment for business purposes using an Equipment Loan.
If you’re a small business, Australian Mortgage Corporation can help you get the new car or equipment you need.
Speak to us about how you could finance it.
WE SAVE YOUR TIME
We work with plenty of business owners and self-employed individuals to know how busy you are. We understand the need to save time and get you the right vehicle or equipment, but with the best finance structure for your business and cash flow. Let us do what we do best, so you can return to what you do best.
WE OFFER GREAT DEALS
Good deals often have low rates. However the “low rate” promised at the point of sale may often be at the cost of paying more upfront for the asset, or higher charges or punitive exit fees.
Great deals include flexibility, low charges, competitive rate, and low exit fees.
IT PAYS TO SHOP AROUND
We have access to the best lenders in Australia. Don’t settle for whatever deal the equipment or vehicle salesman is offering you. It pays to shop around. Thankfully we do all this for you. Whether it’s low monthly repayments or nil residuals, we will tailor the finance that best suits you and your business needs.
REFINANCING A BUSINESS LOAN
Brett runs his own car detailing business just outside Brisbane, QLD. He and Jenny were trying to save up to buy a bigger house. Due to the existing car and business equipment loans, his ability to service a mortgage was reduced by his existing loan repayments.
He had already gone to various banks, but they had all turned him down because it wasn’t worth their while investing time to look for an alternative structure that may actually work.
He had already gone to various big name banks, but they had all turned him down because it wasn’t’ worth their effort thinking outside the box.
We helped him consolidate two of the loans and lengthen the term while still maintaining the tax and depreciation benefits, but crucially reducing his monthly outgoings. With a little rework of his existing facilities we managed to, not only get them a replacement for the existing loans at better rates and longer terms, but also Brett and Jenny were able to purchase a bigger house for their growing family.