Business Lending 2018-07-25T05:23:33+00:00

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Commercial Finance

An umbrella term for different kinds of business loans, commercial finance is designed to assist with the management of capital and cash flow. These loans may be used for a wide variety of purposes, from purchasing commercial property to providing funds for business use.

Smaller businesses frequently require financing to operate, expand and grow and do not typically have direct access to the debt and equity markets for financing purposes. Therefore, they must rely on financial institutions to meet their financing needs. We can assist with a variety of commercial funding options on a large or small scale.

At Alchemy Finance, we understand business and have extensive knowledge of the different offers on the market and can help navigate through all options to help you find the one that suits your business needs.

Types Of Commercial Finance

The sheer variety of commerican loans can be daunting, and leave you confused as to which is the right option for you. Our Alchemy Finance brokers will work with you to assess your business needs to help you reach your desired outcome. 

Below are a few of the different commerical loan options for you to consider:

Business Overdraft

Your financial institution allows you to overdraw your existing business account up to an approved limit. You can only access the overdraft after your own funds have been used. The lender charges interest on the overdrawn amount. Businesses often use overdrafts as small loans, usually to cover cash flow gaps.

Line of Credit

A long-term arrangement between a business and a lender, where the business can access funds up to an approved limit. The business may borrow all or part of the money at any time, but only owes interest and makes repayments on the amount used. Accessibility and flexibility are key here.

Term Loans

A business borrows money and repays the lender in set amounts over a set period. Good for businesses that like predictable repayments.

Commercial Rate Loans

Also known as business markets loans. A business borrows a single loan amount, which can be spread across a combination of components, such as floating rates, fixed rates and cap rates. This helps to protect against interest rate movements.

Cash Flow Finance

A way for a business to get cash before their customers actually pay. There are two common methods used by businesses:

Invoice discounting is where a business accesses a percentage of their debtors’ unpaid invoices through their lender, and the lender uses the debtors as security.

Invoice factoring is where the lender assumes responsibility of the business’s debt ledger and chases payments on its behalf.

Both attract a fee and are designed to service the cash flow gap between outgoings and income.

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Our Panel Of Lenders

At Alchemy Lifestyle Group, we have a wide range of specialist lenders that can help you achieve your financial goals.

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At Alchemy Lifestyle Group, we have a community of expert brokers and advisors across Australia to support you in all of your financial needs