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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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 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.

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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