Business & Commercial Loans

A commercial loan is similar to a residential mortgage, except the collateral is a commercial building or other business real estate (sometimes it can also include residential property). In addition, commercial loans are typically taken on by businesses instead of individual borrowers. The borrower may be a partnership, incorporated business, or limited company, so assessment of the creditworthiness of the business can be more complicated than is the case with residential mortgages. This is where Universal Finance can truly be of value to you; we use our extensive experience and large range of lenders to assist you with navigating through the complexities of the loan application. Below is a wide range of Business and Commercial loan types. Simply select the one that applies to you and call us on (02) 9558 9666 Mon-Fri 9am-6pm.

Construction and Development Finance

At Universal Finance, we understand Construction & Development Finance. We have a strong proven record in sourcing appropriate finance for medium to high density projects and our team adds value in assisting our clients to identify risks associated with the project, undertaking feasibility and cash-flow analysis on the project and structuring the finance package to funds project costs, which may include:

• Acquisition & associated acquisition costs

• Finance costs

• Professional & legal fees

• Specialist consultants costs (Architect, Engineering, Valuer, Quantity Surveyor)

• Construction

• Contingency allowance

• Project Management

• Holding (Rates & Taxes)

• Capitalised Interest

• Selling and Marketing Expenses

At Universal Finance, we look to simplify the process of obtaining Development & construction Finance, with an aim in establishing a long term relationship with our clients are providing a smooth transition of ‘rolling’ into the subsequent project.

Commercial Property Finance

Whatever your needs may be, at Universal Finance, we have the relationships with numerous bank and non-bank funders to assist our clients in securing all types of commercial property finance. Whether you’re looking to purchase a commercial property, a retail property, office or industrial property we can look to place you with the most appropriate funder for your circumstances.

If you have sufficient equity in a residential property, we can obtain home loan interest rates to assist with any commercial property acquisition.

For traditional finance, secured by commercial property we can secure the best interest rates and loan terms at no cost to you; the financier will pay us! This can include lending at up to 80% of valuation amount, where most lenders will only consider lending of up to 70% of valuation amount and loan terms of up to 20-years, as compared to most lenders who will only provide a loan term of up to 15-years.

Depending on your circumstances, we can source the most competitive interest rate for interest only loans, fixed rate loans, fixed rate interest in advance loans.

For non-traditional funding, secured by commercial property we can assist with true lo-doc or limited-doc loan facilities, lease lo-doc facilities for investors, credit impaired solutions and private loans. Universal Finance can provide finance solutions for the self- employed clients without full financials. If you are self-employed and you cannot present company and personal tax returns then a low doc commercial loan may be the right solution for your lending needs.

Whether you’re looking to purchase premises for your business to occupy, purchase an investment or looking for a better interest rate, our experienced team is here to assist you.

Business Loans

If you have business, are looking to expand or are looking to purchase a well-established business, Universal Finance can assist you with all your financing needs and provide solutions for small, medium and large scale business operations.

Universal Finance works with all the major banks and some specialist lenders to source the most appropriate business finance solution for you.

We can source funding on the back of property to secure the loan and if you have sufficient equity in a residential property, we can obtain home loan interest rates to assist with certain business funding purposes. Alternatively if you have sufficient equity in a commercial property we can secure the best interest rates and loan terms at no cost to you; the financier will pay us!

Universal Finance can also assist in leveraged finance transaction, whereby property is not offered as security and on the back of the business cash-flow, we can assist with:

• A major franchise financing;

• Working Capital requirements;

• Real-Estate Rent Roll financing;

• Pharmacy financing;

• Dental Practices;

• Manufacturing plants & stock;

• Legal & Accounting practices;

• Receivables financing

to name a few.

Our experienced team is here to assist you and welcome any enquiry you may have; we are just a phone call away!!