Commercial Loans

Looking to secure the right finance to propel your business forward? At Ferns Finance, we specialise in commercial lending solutions to help you buy commercial property, fund operations, or acquire essential equipment.

Commercial loans, fuel your business growth

Finding the right commercial loan is a critical step in achieving your business goals. When you're busy running and growing your enterprise, navigating the complex world of business finance can feel like an overwhelming task. That's where Ferns Finance comes in.

We provide personalised commercial lending solutions designed to support businesses of all sizes throughout Beenleigh, Logan, Scenic Rim, and the Gold Coast. Whether you need to upgrade your warehouse space, expand your retail stores, find a bigger office, or invest in new equipment, we'll help you navigate the commercial loan landscape, ultimately finding the solution that truly works for your business.

How We Can Help Unlock Your Business Boom:

  • Understanding Your Objectives: Achieving your business objectives starts with knowing exactly what you want. We'll work closely with you to gain a solid understanding of your business strategies and objectives. This allows us to scour the market from our panel of over 60 banks and lenders to find you competitive rates and flexible payment plans that are most suited to your unique needs.
  • Flexible Financing Features: With our expertise, you can take advantage of a range of financing features designed to support your cash flow and growth. This includes cashflow finance for daily operations, term loans for larger investments, flexible overdrafts, and leasing finance for equipment acquisition.
  • Long-Term Loan Options: We'll explore your long-term loan options so you can stay focused on your core business operations, while setting yourself up for sustained future success. Our goal is to provide stability and strategic financing that aligns with your vision.

We're passionate about supporting local businesses. Gwen will guide you through the process, ensuring you access the right commercial finance to grow your enterprise effectively and efficiently.

Ready to take your business to the next level? Talk to us today to find the commercial loan that empowers your growth.

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Explore your loan options & their features.

Here are eight different loan types and features to be aware of. Once we’ve had a chat we can discuss which option might be best suited to your circumstances. We are here to help answer your questions when you’re ready.

Variable rate loan

As the name suggests, the interest rate can change over the life of the loan. This gives you flexibility, but can also leave you open to rate rises. These loans offer more flexible features like unlimited additional repayments, redraw, and offset accounts.

Fixed rate loan

Basically, this is the opposite of a variable rate loan. Your interest rate and repayments will stay the same during the fixed term, no matter what. So no surprises.

Principal & Interest Loans

You pay off the principal (base loan amount) each month/fortnight, as well as any accrued interest. This might help you pay off your loan faster than an Interest Only structure.

Interest Only Loans

As the name suggests, you only pay the interest on the principal balance for a set term, with the principal balance unchanged.

Overdraft

Your lender will agree to provide you with a credit limit and you can borrow up to that limit. Typically the interest rate will be higher than other alternatives due to the increased risk to the lender. You cannot get an overdraft with a fixed interest rate.

Self Managed Super Fund (SMSF)

You can purchase commercial property through your SMSF. Trusts can also purchase a property. This is appealing to some people as separating ownership from your business provides asset protection.

Asset Finance

If you are seeking finance to fund the purchase of new machinery, equipment or vehicles to support your business you’ll require an asset finance loan.

Commercial Property Guarantor Loan

If you haven’t quite saved up enough for your deposit then a commercial property guarantor loan could help you. This means, a relative, your parents or a friend would use their property as security for your commercial loan purchase.

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Helpful calculators.

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

Loan Repayment Calculator

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

Calculate now

Frequently asked questions.

View our full FAQs
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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.

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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