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.

Commercial Property Yield/ROI Calculator

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GST Calculator

Use this calculator to Add or Remove GST from an amount. Perfect for: Business owners calculating GST for invoices Accountants and bookkeepers Anyone needing to work out GST on transactions Understanding what portion of a price is GST

Calculate now

Loan Repayment Calculator

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

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Frequently asked questions.

View our full FAQs
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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.

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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