Commercial Loan

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Commercial Loans Point Cook

If you’re looking for a business or commercial loan to raise funds, set up a business, or invest in the development of your business, then it is important you source the best loan package possible, to aid your investment strategy.

Our Commercial Loan Point Cook team have many years of experience in assisting clients with their commercial and business loans. We can help with any immediate or long term plans for loan funding, in order to achieve your commercial decisions. With our large network of lenders, network of resources and expertise – we’re highly confident that we know exactly how to help you, and provide you with a unique and tailored strategy.

There are a number of reasons for obtaining a commercial loan, including (but not limited to):

  • Purchasing a franchise;
  • Acquisitions of businesses/companies;
  • Purchase of long term assets & inventory;
  • Commercial real estate;
  • Property development; and
  • Upscaling infrastructure.


That’s why it is extremely important to understand exactly how a commercial loan can benefit your strategy; and to also distinguish between a regular home loan. There are a many different type of commercial loans available.

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Type of Commercial Loans

Term loan

This type of commercial loan can be used to help purchase or set up a business, or to assist with a business expansion to further develop your business. It is a form of financing that is ordinarily amortised over a fixed number of years. This type of loan therefore suits the funding for business expansions, capital purchases, development of commercial property and the like. It has the ability to use either a variable or fixed interest rate, with different types of repayment options.

Commercial bill

If you are looking for the type of finance that offers flexibility and with interest rates that are reflective of the market, then a 'commercial bill' will be ideal for you. This type of lending facility is ideal for short- and long-term financial requirements, such as managing effective cash flow through the ability to provide payments only on the maturity of the Bill, together with the provision of interest rate protection & flexibility. It is essentially a promise made to the financial institution/lender of an agreed amount, that is set on a date of maturity.


Setting up a commercial overdraft allows a credit limit facility to be utilised, in order to manage any fluctuations of cash flows, which will not require regular payments. This achievable as long as the over drafted amount does not exceed the facility's limit, and can be either unsecured, or secured by a mortgage and other securities.

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