Every business needs capital at different points in its lifecycle – whether you are starting out, expanding, acquiring another business, buying premises, or managing cash flow through a slow period. The difference between businesses that grow and those that stall is often simply access to the right funding at the right time.
At Providence Finance Hub, commercial and business finance is at the core of what we do. With 20+ years of banking and commercial lending experience and access to 50+ lenders on our standard panel – plus 120+ private and international lenders for complex or larger transactions – we match Australian businesses with the right funding structure for their specific needs.
Commercial Finance Products We Arrange
Business Term Loans
A lump-sum loan repaid over an agreed term (typically 1 to 7 years) with fixed or variable interest. Suited to businesses with a specific capital expenditure need such as a fit-out, acquisition, equipment purchase, or expansion. Can be secured against business assets or property, or structured as an unsecured facility for eligible businesses.
Business Lines of Credit and Overdrafts
A revolving credit facility that allows your business to draw and repay funds as needed, up to an approved limit. Interest is only charged on the amount drawn. Suited to businesses with variable or seasonal cash flow – you access funds when you need them and repay when your cash position improves.
Commercial Property Finance
Finance for the purchase of commercial real estate including offices, warehouses, retail premises, industrial sites, and mixed-use properties. Commercial property loans typically require a 30 to 40% deposit, though some lenders and structures allow higher LVRs with appropriate security. We arrange commercial property finance for both owner-occupiers and investors.
Business Acquisition Finance
Funding to purchase an existing business – either outright or in partnership with equity from the buyer. Business acquisition finance requires careful structuring around business valuation, goodwill, asset backing, and cash flow serviceability. We work with buyers and their accountants to structure acquisitions that are fundable and financially sound.
Invoice Finance and Debtor Finance
If your business carries outstanding invoices, invoice finance allows you to unlock the value of those unpaid invoices immediately – typically receiving 70 to 90% of the invoice value within 24 hours of issue. Debtor finance eliminates the cash flow gap between invoicing and payment without taking on traditional debt.
Working Capital Finance
Short-term facilities designed to fund day-to-day operating costs including stock, wages, trade creditors, and operational expenses. Products include invoice finance, trade finance, supply chain finance, and short-term business loans.
SMSF Commercial Property Loans
For business owners wanting to purchase their premises through their self-managed superannuation fund. The SMSF borrows funds to buy the property and your business pays rent to the SMSF at market rates – effectively paying your own superannuation. We work with SMSF-specialist lenders who understand the regulatory requirements around limited recourse borrowing arrangements.
Full-Doc, Low-Doc, and No-Doc Commercial Finance
We arrange commercial finance across all documentation categories. Full-doc requires full financial statements and tax returns for the last 2 years. Low-doc uses BAS statements, bank statements, or an accountant’s letter. No-doc is available for GST-registered businesses for asset finance up to $500,000 without any financial statements – with approvals typically within 3 to 24 business hours.
Why Use a Broker Instead of Going Directly to Your Bank?
Your bank offers one set of products. We access 50+ lenders, each with different policies, risk appetites, and rates. What your bank won’t fund, another lender often will – and frequently at a better rate. Bank commercial lending typically takes 4 to 12 weeks. Through our panel, we regularly achieve approvals in days. We have no allegiance to any lender, so our recommendation is always driven by your best outcome.
Frequently Asked Questions
How much can my business borrow?
Borrowing capacity depends on your business income, the security available (assets, property, or both), your credit profile, and the lender’s policy. For asset finance, no-doc facilities are available up to $500,000. For property-secured business loans, borrowing is primarily constrained by the property value and LVR policy. For cash flow-based lending, we assess the business’s ability to service the debt from trading income.
Do I need property security for a business loan?
Not necessarily. Unsecured business loans are available through specialist lenders on our panel, typically based on business cash flow and credit profile. However, unsecured business loans generally carry higher rates and shorter terms than property-secured facilities. If property security is available, using it typically results in better rates and more flexible terms.
Can I get business finance with less-than-perfect credit history?
It depends on the nature and age of the credit issue. Minor blemishes may be acceptable to certain lenders. More serious issues significantly limit options but don’t necessarily eliminate them. Specialist and private lenders on our panel can sometimes assist where mainstream lenders cannot. We give you an honest assessment of your options before you apply.
How long does it take to get a commercial loan approved?
Timeframes vary by product and lender. Asset finance no-doc applications can be approved in 3 to 24 business hours. Unsecured business loans from non-bank lenders can often be approved in 24 to 72 hours. Commercial property finance typically takes 5 to 15 business days for formal approval.
Can you help if my bank has declined my application?
Yes, frequently. A bank decline does not mean you are unbankable – it means that particular bank could not approve your application at that time. Non-bank lenders, specialist lenders, and private capital providers often have different risk appetites. We review your situation and advise whether a non-bank option is realistic.
Is business loan interest tax-deductible?
Generally yes – interest on loans used for business purposes is tax-deductible as a business expense. Depreciation on financed assets is also deductible. For chattel mortgages and asset finance, you may also claim the GST upfront on your next BAS. Tax treatment varies by structure – confirm specifics with your accountant.
Why Choose Providence Finance Hub?
- 20+ years of banking and commercial lending experience across all major business finance categories
- 50+ lenders on our standard panel including banks, non-banks, and specialist commercial lenders
- 120+ private and international lenders for complex, large, or non-standard transactions
- Full-doc, low-doc, and no-doc options across most product categories
- Fast approvals – same-day for simple asset finance to 5 to 15 days for property-secured facilities
- Independent advice – no allegiance to any lender
- Australia-wide service across all states and territories
Why Choose Providence Finance Hub for Commercial Finance
Providence Finance Hub brings more than 20 years of banking and commercial lending experience to every client engagement. We hold an Australian Credit Licence and work with business owners across Australia to structure commercial finance that is fit for purpose – not just what a single bank will approve.
As members of the MFAA (Mortgage and Finance Association of Australia) and CAFBA (Commercial Asset Finance Brokers Association, member 296331), we are committed to transparent, client-first advice.
In a recent transaction, we structured a $1.2 million commercial facility for an Australian professional services firm – combining a business acquisition loan and a fit-out facility across two lenders. The deal settled within four weeks of the initial application.
When you work with Providence Finance Hub, you deal directly with your dedicated broker – not a call centre or junior staff. Learn more about our team. Call 1300 776 433 to discuss your commercial finance requirements, or submit an enquiry online for a same-business-day response.
