Business Loans

Choosing the right business loan can keep you competitive or propel you to lead the pack. At Ferns Finance, we offer personalised business lending solutions designed to help enterprises find flexible business loans for working capital, equipment finance, commercial property acquisition, business purchases, and even residential and commercial property development.

Solutions for growth & operations

Personalised Business Lending Solutions: Your Path to Leading the Pack

In the dynamic world of business, access to the right finance at the right time is crucial. Whether you're looking to seize new opportunities, manage cash flow, or make strategic investments, choosing the right business loan can make all the difference – keeping you in the game or even helping you lead the pack.

At Ferns Finance, we understand the diverse needs of businesses across Beenleigh, Logan, Scenic Rim, and the Gold Coast. Our finance brokers are experts in making sure your business loan is set up to maximise your investment and align with your strategic goals. With access to over 60 different banks and specialist business lenders, we can help you find flexible business loans for a wide array of purposes:

  • Business Working Capital: Keep your operations smooth and cover day-to-day expenses, inventory, or unexpected costs with flexible working capital solutions.
  • Buying a New Business or Franchise: Make that pivotal acquisition with confidence. We'll help you structure the finance to purchase an existing business or invest in a new franchise.
  • Buying or Investing in Commercial Property: Secure the ideal premises for your operations or expand your property portfolio with tailored commercial property loans.
  • Residential and Commercial Property Development: Access specialised finance for your next development project, whether it's residential housing or commercial ventures.
  • Equipment Finance: Acquire essential machinery, vehicles, technology, or other assets without impacting your cash flow. We can explore options like chattel mortgages, hire purchases, and leases.

How Ferns Finance Helps You Succeed:

Finding the right business loan starts with making informed choices. When you're busy running a business, it's never that easy. That's where Ferns Finance comes in. We take the time to understand your unique business, its objectives, and its challenges.

  • Expert Navigation: Whether you need to upgrade your manufacturing equipment, expand retail stores, or find a bigger office space, we will help you navigate the commercial loan landscape, cutting through the complexities to find a solution that works for you.
  • Maximise Your Investment: Our expertise ensures your loan is structured to best support your investment, whether it's through competitive rates, flexible terms, or specific loan features.
  • Tailored Solutions: We're not about one-size-fits-all. We'll present you with options from our extensive network of lenders, comparing rates, terms, and conditions to find the perfect fit for your specific business needs.

Talk to us today to find the commercial loan that empowers your business boom.

Your business loan journey with Ferns

We'll walk you through each step to make sure you get the right loan to help your business thrive and grow.

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1

Crafting Your Business Vision (Plan)

‍Having a solid business plan is key to a smooth loan approval! Banks and lenders will ask questions like "Why are you borrowing money?" and "What's your plan for it?" We're here to help you gain a solid understanding of your business's strategies and objectives, so you can confidently answer these questions and boost your loan approval chances.

2

Understanding Your Business's Story (Risk Profile)

‍This is where your credit history comes into play. We'll take a deep dive into both your personal and business credit history. Once we understand your unique situation, we can work together to present your business in the most favourable light to lenders.

3

Smart Borrowing for Growth (Be Realistic)

‍Borrowing the absolute maximum isn't always the best path for your business. We'll take a deep dive into your past financial statements and help you understand your future cash flow forecasts. This ensures we determine a comfortable monthly repayment plan that supports your sustained growth.

4

Exploring Your Best Options (Understand What's on Offer)

‍There are many different loan types out there, and finding the right one for your specific business needs can be tricky. We'll help you clearly understand the benefits and potential downsides of various options, like secured or unsecured, variable or fixed-rate, and principal and interest or interest-only loans, so you can make an informed choice.

5

Submitting Your Application with Confidence (Apply)

‍Once we've worked through these crucial steps together – building your plan, understanding your profile, setting realistic goals, and choosing the right loan – we're ready! We'll then submit your business loan application, confident that you're putting your best foot forward.

6

Explore your loan options & their features.

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Helpful calculators.

Explore your financial possibilities and understand potential costs with these handy calculators.

Loan Comparison Calculator

Different loans have different fees, features and repayment options. Use our loan calculator to see how the numbers stack up between two loans.

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Loan Repayment Calculator

Use this repayment calculator to understand how much your loan repayments might be.

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Frequently asked questions.

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Are finance brokers regulated?

Yes, finance brokers are regulated to ensure they operate fairly and transparently. In many countries, brokers must be licensed and adhere to specific industry standards. This regulation helps protect consumers by ensuring that brokers act in their clients' best interests and provide accurate information.

Before working with a broker, it's advisable to verify their credentials and ensure they are compliant with local regulations.

Are there differences in borrowing power between Brisbane and Gold Coast properties?

Yes — location affects property values and lender risk profiles. We’ll assess your borrowing capacity based on the exact suburb you’re targeting.

Are there loans for building or renovating in Tamborine?

Yes, we can help with construction loans or renovation-specific personal loans. Even if you’re just upgrading a shed or adding a studio — we can find options.

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Can I still get a home loan in Logan with a low deposit?

Yes! There are low-deposit options available, including First Home Guarantee schemes and lender-specific products. Ferns Finance Brokers can help you find the best fit based on your situation.

Can a finance broker help with bad credit?

Yes, finance brokers can assist clients with bad credit. They have access to lenders who specialize in offering loans to individuals with less-than-perfect credit histories. Brokers can help you understand your options and find a lender willing to work with your situation.

While securing a loan with bad credit may come with higher interest rates, a broker can help you navigate these challenges and find the best possible terms.

Can you help me refinance my current mortgage to a better deal?

Absolutely. We offer free assessments to compare your current rate with what’s available — and if there’s a better option, we’ll make it easy to switch.

Do I have to come into an office to apply?

Not at all! We offer phone, video, and online appointments — perfect if you're in a rural spot or juggling a busy schedule.

Do I need a finance broker?

Whether you need a finance broker depends on your financial situation and comfort level with the borrowing process. If you have a good understanding of financial products and feel confident negotiating with lenders, you may not need a broker. However, if you're unfamiliar with the process or have specific needs, a broker can provide valuable assistance.

Ultimately, the decision should be based on your individual circumstances and preferences.

Do you help with house and land packages in new developments around Logan or Yarrabilba?

Definitely. We often work with clients purchasing in estates like Yarrabilba, Flagstone, or Ripley Valley. We can guide you through finance stages tied to construction.

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Do you offer asset finance for tradies or service businesses in Logan or Gold Coast?

Yes — we can assist with vehicle loans, tools, office fit-outs, and more. If it helps your business grow, we’ll help you finance it.

Do you work with local real estate agents and conveyancers?

Yes — we have a strong local network and can connect you with trusted professionals to make the process smooth.

How do finance brokers get paid?

Finance brokers typically earn their income through commissions paid by lenders when a loan is successfully arranged. This means that their services are often free for clients, as the lender covers the broker's fees. However, some brokers may charge a fee directly to clients for their services, especially if they provide additional consulting or financial planning.

It's important for clients to clarify the payment structure with their broker upfront to avoid any surprises later in the process.

How long does approval usually take in Logan or Gold Coast?

Depending on the lender, approvals can take 2–10 business days. We’ll prep your application to reduce delays.

How to choose a finance broker?

Choosing a finance broker involves several key considerations:

  • Experience: Look for brokers with a proven track record in the industry.
  • Reputation: Research reviews and testimonials from previous clients to gauge their reliability.
  • Services Offered: Ensure the broker provides the specific services you need, whether it's mortgages, personal loans, or business financing.

Taking the time to choose the right broker can lead to a more successful borrowing experience.

I’m a sole trader — can I still refinance or consolidate debt?

Yes, and it’s often a smart move. We’ll help you restructure debt so it works better for your income style.

What are the benefits of using a finance broker?

Using a finance broker offers several benefits, including:

  • Access to Multiple Lenders: Brokers have relationships with various lenders, giving clients access to a wider range of financial products.
  • Expertise: Brokers are knowledgeable about the finance industry and can provide valuable advice tailored to individual circumstances.
  • Time-Saving: Brokers handle the paperwork and negotiations, saving clients time and effort.

Overall, finance brokers can simplify the borrowing process and help clients make informed decisions.

What documents do I need for a finance broker?

When working with a finance broker, you'll typically need to provide several documents, including:

  • Proof of Identity: A government-issued ID, such as a passport or driver's license.
  • Income Verification: Recent pay stubs or tax returns to demonstrate your financial stability.
  • Credit History: Brokers may request your credit report to assess your borrowing eligibility.

Having these documents ready can streamline the process and help your broker find suitable options for you.

What government grants are available for first-home buyers in Queensland?

As of now, eligible first-home buyers in QLD can access the First Home Owner Grant and possibly stamp duty concessions. We’ll check your eligibility and help with the paperwork.

What is a finance broker?

A finance broker is a professional who acts as an intermediary between clients and lenders. They help individuals and businesses secure loans, mortgages, and other financial products. By leveraging their knowledge of the market, finance brokers can find the best deals tailored to their clients' needs.

Finance brokers are particularly useful for those who may not have the time or expertise to navigate the complex world of finance on their own. They provide valuable insights and guidance throughout the borrowing process.

What is the process of working with a finance broker?

The process of working with a finance broker typically involves the following steps:

  1. Initial Consultation: Discuss your financial needs and goals with the broker.
  2. Document Submission: Provide necessary documents for assessment.
  3. Loan Options: The broker will present suitable loan options based on your profile.
  4. Application Process: The broker will assist you in completing the application and submitting it to the lender.

This structured approach ensures that you receive personalised service throughout the borrowing process.

What should I ask my finance broker?

When meeting with a finance broker, consider asking the following questions:

  • What lenders do you work with? Understanding their network can help you gauge your options.
  • What fees do you charge? Clarifying costs upfront can prevent misunderstandings.
  • How will you communicate with me? Establishing communication preferences can enhance your experience.

Asking the right questions can lead to a more productive relationship with your broker.

Talk to us today about your options.

Talk to us today about your options. Whether you're in Beenleigh, Logan, Scenic Rim, or on the Gold Coast, Gwen @ Ferns Finance is ready to provide expert, straightforward advice.

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