Business Commercial Property Loan
We will help you navigate through the complex commercial property
banking requirements, making it easier to get approvals for your next commercial property.
Jump To
Accounting software we work with
GET YOUR NEXT COMMERCIAL PROPERTY
We Take Complex Commercial Property Loan Process Out, Helping Small Business Owners to Grow Their Business
Securing a commercial property loan can be a complex and time-consuming process, especially when dealing with banks directly. As experienced small business accountants, we have the expertise to guide you through every step of the way. Our in-depth knowledge of the loan process can help you navigate it with ease and avoid potential pitfalls.
Whether you’re looking to purchase commercial property, invest in new equipment, boost your working capital, or fund other business activities, we can help you navigate the process to secure the funding you need.
Let us help you in determining if a commercial loan aligns with your financial goals.
- Investing in a new commercial property to scale up your business
- Upgrading your current workplace to optimise efficiency, safety, and create more room.
- Purchasing new equipment or upgrading existing equipment
- Getting additional capital to manage bills, and invoices, or meet payroll obligations
- Work With Us
Why Use Our Commercial Loan Broker for Your Finance
When it comes to navigating the complex seas of finance, our team of Oyster Hub brokers can carefully assess both interest rates and loan features to find the most suitable options for your needs, helping you manage your loan with confidence and sail towards success.
Small Business Accountants
Our Commercial Property Loan Broker have deep understanding of small business financials
Commerical Property Rates
We compare finance options from multiple banks to ensure you get the most favourable rates and loan options.
Business Structuring
Our experts will suggest the best business structure after evaluating your circumstances.
Receive expert guidance on your Commercial Property Loan, including borrowing limits and strategies for reducing Tax Liabilities.
Small business owners often make costly mistakes when purchasing an investment property due to due to inadequate tax planning. Oyster Hub can help you avoid these common errors by providing expert guidance on business finance for expansion, investment funding, leasing, and buying.
We know that a simple and flexible commercial loan structure is crucial when growing your business. We are here to guide you through the financing process, whether you’re looking to purchase a commercial property or refinance an existing loan Don’t let common mistakes hold you back from success – let us help you make sound financial decisions.
01
Commercial Property Loan Process
Our process is built around transparency and speed. Time is precious and often critical to the success of your transaction. We do not waste any time in getting you the answers you need.
It’s essential to have the right business structure in place to ensure the protection of your investment. Contact us today to schedule your FREE consultation and let us provide recommendations based on your unique situation.
It’s important to understand how commercial property loan rates work. The interest rate you’ll pay, including the type of property, loan amount, and credit score can impact your loan rate.
The type of commercial property loan rate you choose should ultimately depend on your individual needs and circumstances.
Let us discuss your options and determine the best financing solution for your commercial property purchase.
Applying for a commercial property loan is similar to that of a residential mortgage: you just need to fill out a loan application, provide documentation, and meet with the lender to discuss loan terms and conditions.
However, it is important to consider having a strong financial history and credit score to increase your chances of being approved. Having a well-defined business plan and being able to show how the loan will benefit your business can also help.
Your financial and human resources processes will be significantly less likely to suffer from errors if you have an automated accounting system in place. These systems store documents and crucial information digitally on the cloud. This makes for an excellent organisation and provides instant access to anyone who needs them at any time.
Purchasing a property outright, securing a commercial property loan, or even pooling resources with other business owners to invest in a shared space can be a smart decision for business owners looking to establish a permanent and secure location for their business.
Contact us to discuss your options and determine the best course of action for your business.
When you invest in commercial property for your business, the property becomes an asset that can help you secure loans for other business purposes as you build equity in it. Investing in commercial property for your business can be a wise financial decision with numerous benefits.
By owning the property, you can benefit from its capital appreciation while ensuring long-term access to the property.
Investing in commercial property can be a wise decision for those looking to generate ongoing rental income as well as long-term capital growth. With the right strategy and guidance, investing in commercial property can provide a steady stream of income and help build long-term wealth.
Safeguard your property in case your business encounters financial challenges through passive assets, such as commercial property.
Structuring options include (but are not limited to):
1. Personal
If you’re considering buying commercial property, owning it in your personal name might seem like the most cost-effective choice since there are no additional fees to establish or maintain a separate structure. However, it’s essential to keep in mind that the property will become part of your personal asset pool and may be vulnerable to legal claims or creditor actions.
2. Trust
Enjoy asset protection for the property, while also having the flexibility to distribute rental income earned among family members. Plus, an eligible individual can benefit from a 50% CGT discount.
3. Company
You can achieve asset protection and benefit from a capped tax rate of either 25% or 30% by holding property in a company. But keep in mind that selling the property for a capital gain will result in forfeiting the 50% CGT discount.
4. Self-Managed Superannuation Fund (SMSF)
You can consider purchasing your business premises through your SMSF’s Deed and Investment Strategy permit. Funding for the purchase can come from the SMSF’s available cash or through a Limited Recourse Borrowing Arrangement (LRBA) – a loan made to the SMSF. However, it’s important to note that obtaining an LRBA can be challenging as many banks don’t offer this type of loan, and they typically require higher deposits and shorter loan terms compared to other types of loans.
Commercial property financing can be a complex process. As small business owners ourselves, we understand the challenges of commercial finance and can provide valuable insights to help you secure the funding you need. Our experienced Mortgage Choice brokers will work with your accountant to find the right solution for you.
02
Some of The Common Asked Commerical Property Loan Questions
Automated accounting involves the use of software to automate important finance operations. Accounting operations like accounts reconciliation, updating financial data, and preparing financial statements can be completed without human interaction using accounting software. These are just a few of the automated accounting functions:
Accounting automation is the use of advanced software for automating accounting tasks. Accounting software can automate repetitive tasks without the need for you to enter any data manually. Modern technology and innovative software solutions make it possible to automate accounting processes. This has made it possible to automate the accounting process for small business owners that are able to do it themselves
The Benefits of working with a Finance Broker Who Understands Small Business
At Oyster Hub Finance, we are dedicated to helping small business owners find their pearls and make a meaningful impact on their families. Whether you need a short-term cash flow solution or financing for your dream home, our goal is to ensure that every financial decision you make leads to success.
Our team of lending experts is committed to providing personalized and convenient service, meeting you at a time and place that suits your needs. Let us be your guide through the process, empowering you to turn your financial goals into a vibrant reality. The world is your oyster, and with Oyster Hub Finance, you can discover the pearl that will transform your future.
Our finance brokers, well-versed in small business dynamics, possess comprehensive knowledge of self-employed business owners. With a thorough understanding of your unique circumstances, we delve deep into preparing you for your next property purchase, ensuring you’re well-equipped to make informed financial decisions.
Assessing Financial Needs: We start by understanding your financial requirements and objectives. Our experts will conduct a thorough evaluation of your business and financial statements to determine the amount of funding needed and the best loan options for your specific situation.
Gathering Documentation: We guide you through the process of gathering all the necessary documentation for the loan application. This includes financial statements, tax returns, bank statements, business plans, and any other supporting documents required by the lenders.
Preparing a Strong Application: Our team assists in preparing a strong loan application that highlights your business’s strengths, financial stability, and growth potential. We ensure that all the relevant information is presented in a clear and compelling manner to enhance your chances of approval.
Connecting with Lenders: As experienced finance brokers, we have established relationships with a network of lenders specializing in small business loans. We connect you with the right lenders, matching your needs and increasing your chances of securing favourable loan terms.
Managing the Process: We act as your advocate throughout the loan application process, liaising with lenders, providing necessary updates, and addressing any queries or concerns. Our goal is to make the process as smooth and efficient as possible, saving you time and reducing the stress associated with loan applications.
By following these steps, we help small business owners navigate the loan application process, ensuring that they present a strong case to lenders and improve their chances of obtaining the financing they need to grow and thrive.
BOOK A DISCOVERY CALL
At Oyster Hub, our finance brokers are supported by award-winning accountants, providing you with trustworthy advice you can rely on. When you choose our services, you can have confidence in the expertise and knowledge backing our finance professionals.
- Unparalleled Expertise: Our finance brokers are supported by a team of award-winning accountants who bring extensive knowledge and expertise to the table. With their guidance, you can trust that your financial matters are in capable hands.
- Trusted Advice: With the backing of our renowned accountants, our finance brokers offer advice you can rely on. We provide well-informed recommendations and strategies tailored to your specific financial goals and needs.
- Comprehensive Financial Solutions: Our integrated approach combines the expertise of our finance brokers and accountants, allowing us to offer comprehensive financial solutions. From loan options to tax planning, we can help you navigate various aspects of your financial journey.
- Proven Track Record: Our award-winning accountants and finance brokers have a proven track record of success. We have assisted numerous clients in achieving their financial objectives, and we are dedicated to helping you do the same.
Choose Oyster Hub as your finance broker, backed by our award-winning accountants, and experience the peace of mind that comes with receiving trusted advice and comprehensive financial solutions.
Time-Saving Expertise: Our experienced finance brokers specialize in small business financing. By leveraging their expertise, you can save valuable time that would otherwise be spent researching loan options, gathering documentation, and navigating the complex application process.
Cost-Effective Solutions: We understand the financial challenges faced by small businesses. Our brokers work diligently to find cost-effective loan solutions that meet your specific needs. By accessing our extensive network of lenders, we can secure competitive interest rates and favorable loan terms, ultimately saving you money in the long run.
Streamlined Process: As your finance broker, we handle the entire loan application process on your behalf. From initial assessment to gathering documentation, preparing applications, and negotiating terms, we streamline the process, minimizing administrative burdens and allowing you to focus on running your business.
Access to Multiple Lenders: With our broad network of lenders, including those specializing in small business financing, we can connect you with a variety of loan options. This access increases your chances of finding the most suitable financing solution tailored to your unique business requirements.
Expert Guidance and Support: Our dedicated finance brokers provide personalized guidance and support throughout the entire process. We alleviate the stress and uncertainty by offering professional advice, addressing your concerns, and advocating for your best interests.
Choosing us as your small business finance broker allows you to save valuable time, money, and energy. Our expertise, cost-effective solutions, streamlined process, access to multiple lenders, and ongoing support ensure a smooth and efficient financing experience for your business.
BOOK A DISCOVERY CALL
Our OysterHub accountants are available to provide your business with the accounting services and strategic direction it needs to grow while staying in compliance with tax laws.
Because all of our Sydney accountants are highly skilled experts with experience working with a number of business types, you can be sure that using our services will lead to the greatest outcomes. An accountant can help you with everything from dealing with the ATO to growing your business.
5-star ratings from clients
Extensive accounting and taxation expertise
Customer service personnel
The right experts for your starting business
Need an expert wizard?
Come and have a chat with our friendly staff about your next big steps.
Feeling lost? here are some related tags to help you navigate!
GET TO KNOW US MORE
Learn more about our Award Winning Service
Your business is a journey; create an impact and build a business that has a purpose to make a difference to your family, community, and yourself. We have put together everything you need to know about how we create an impact at Oyster Hub with ‘Your Journey with Oyster Hub Guide.’ Download the PDF and learn more about how you can create an impact in your business
Previous
Small Business Tax Accounting
Next
What People Love About Us
I have never found a more passionate finance broker than Vik and his team at Oysterhub. We were about to lose our house when our business took a down shift. Vik saved us from getting a finance deal approved when banks shut the door at us. It's great to work with people who actually care about people not just profits.
I have never seen someone more passionate tax accountant than Adarsh about wanting to help people save time on their menial processes - makes me wonder the experiences in business he has gone through but I'm not complaining I am thankful for it. He is the only tax accountant who has helped me save an extra 8-10 hours per week on lazy accountant tasks and facilitate in enabling me to put these tasks to more productive areas.
- See More
