Commercial Finance

In addition to residential home loans, we also have access to a wide range of business and commercial finance (both bank and non-bank).

As a business person you will no doubt have experienced frustration in identifying which lender provides the best possible structure for your borrowing requirements. There are a number of factors which determine what deal you receive from a commercial lender. They include: type of business, length / terms of leases, industry experience, type of security, relevant licenses and the list goes on.

Through the relationships we have with a number of different Business / Commercial lenders, we may be able to help you obtain a better deal. A better deal is not always necessarily based on rate only. There are a number of different aspects of a finance deal which may assist your business. For example:

  • Better loan terms (interest only or longer ‘principle and interest’ arrangements)
  • Credit lines – helping you utilise equity in your assets
  • Higher loan to value ratios
  • A complete banking relationship
  • Documentation – a no doc/low doc may be more suitable
  • Ongoing fees
  • Cheaper and more flexible banking arrangements (overdrafts etc)

The combined mix of these factors, matched with the right lender, can lead to reduced borrowing costs and / or improved cash flow for your business.

Essentially any loan which is for the purpose of business or involves non-residential property is considered “commercial” and is transacted via the commercial area of the lenders. Even if the security is residential and the purpose is for business or commercial property, then it is deemed “commercial”.

What our clients say

His friendly nature and genuine non pushiness

My experience with Blue Key Finance has been a wonderful first time experience into the scary leap into property investment. Matt has been able to provide me with all the information I needed, and in a way I could understand it to make an informed decision on investments, with out getting over my head providing me with the confidence to have a go at securing a better future. Matt has always been there through each step of the process and is always happy to talk you through the things you may not quite understand or are sure about. His friendly nature, and genuine non pushiness is a natural quality as he is looking out for you and trying to help you to get where you want to be. I am running all my finances through Blue Key Finance because of Matt and his character, and have recommended Matt and Blue Key to family and Friends.

Conrad Dabrowski