BUSINESS & COMMERCIAL FINANCE
Funding a business, buying equipment and purchasing premises involve different finance considerations. Explore the service that matches your plans, or tell us what you need and we will review potential lender options.
Working capital, cash flow, acquisitions and growth. Explore facility types, security and repayment considerations.
Commercial vehicles, machinery and equipment. Explore finance structures, ownership and end-of-term obligations.
Buying or refinancing business premises or investment commercial property. Explore how the property, income and borrower affect the assessment.
HOW WE HELP WITH BUSINESS & COMMERCIAL FINANCE
We take the time to understand the business, its cash flow and what the funding is for, then explore suitable lending options and guide you through each stage.
01
Understand the Business
We review the business, its cash flow, existing commitments and what the funding is for, to understand the borrowing requirement.
02
Explore Suitable Structures
We compare suitable lending options and structures based on the purpose, the security available and how the business operates.
03
Support You Through to Settlement
We guide you through the application, approval and settlement process, keeping you and your advisers informed at every stage.
COMMON QUESTIONS ABOUT BUSINESS & COMMERCIAL FINANCE
What is the difference between business, equipment and commercial property finance?
Business finance covers working capital, cash flow, acquisitions and growth. Equipment and asset finance funds specific vehicles, machinery and equipment, usually secured by the asset itself. Commercial property finance is for buying or refinancing business premises or investment commercial property. Each is assessed differently, and some plans use more than one.
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How does a broker help with business and commercial lending?
We review the business, its cash flow and what the funding is for, then check which lenders available through AGFB may consider it. Where suitable options exist, we explain the structure, costs, security and obligations before you decide whether to apply, and manage the application through to settlement.
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What do lenders look at?
Trading history, financial statements and bank statements, existing commitments, the purpose of the funding and the security or guarantees available. For property and asset finance, the asset itself is part of the assessment. Requirements vary between lenders and facilities, and we confirm what applies before anything is lodged.
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Do I need to offer property as security?
Not always. Some facilities are secured by the asset being financed, some by business assets, and some rely on a personal guarantee. Offering residential property can widen the options but places that property at risk if the facility is not repaid. We explain what each option requires before you decide whether to proceed.
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Can a new or self-employed business apply?
Often yes, although the options are usually narrower. Lenders may place more weight on industry experience, contracts in place, the deposit or security available and the personal position behind the business. Some require a minimum trading period. We check whether a suitable pathway appears to exist before an application is lodged.
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Will you work with my accountant?
Yes. Where financials, structures or tax obligations need explanation, we work alongside your accountant. Tax and accounting advice remains theirs; the lending side is ours.