Commercial Loans.
Whether you’re expanding your business, purchasing a commercial property, or investing in new equipment, the right commercial loan can help you take the next step with confidence.
What Are Commercial Loans?
Commercial loans are designed for business purposes rather than personal use. They can be used to purchase a premises, refinance an existing business loan, fund equipment or vehicles, or free up working capital. With a variety of lenders and loan types available, finding the right structure is key to long-term success — and that’s where we come in.
Types of Commercial Loans We Offer.
1. Commercial Property Loans
Perfect for purchasing offices, warehouses, retail spaces, or other commercial real estate — whether for your own business use or as an investment.
Common uses include:
Buying your own business premises
Purchasing investment commercial properties
Refinancing an existing commercial property loan
2. Equipment & Asset Finance
Acquire vehicles, machinery, or technology without tying up your business’s cash flow. We can help you secure competitive asset finance options with flexible repayment terms.
Typical assets financed:
Company vehicles & fleets
Heavy machinery & manufacturing equipment
IT systems, software, and office fit-outs
3. Business Loans & Lines of Credit
For working capital, expansion, or cash flow smoothing, a tailored business loan or line of credit can give you the flexibility you need.
Possible uses:
Stock purchases
Marketing campaigns
Hiring and staffing
Renovations and upgrades
Why choose Valley Finance?
We’re not a big franchise, we’re a local family-run business who genuinely cares. Based on the NSW South Coast, we know the local property market, and we understand the needs of businesses both big and small in our community.
We're here to answer your questions, explain things in clear simple terms, and make sure you feel confident at every stage.
Frequently Asked Questions.
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A commercial loan is a type of finance used for business purposes—whether that’s buying a new premises, expanding operations, purchasing equipment, or covering cash flow. Unlike a residential home loan, commercial loans are assessed with your business in mind.
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Commercial loans are available to a wide range of borrowers, including small business owners, sole traders, partnerships, and companies. If you have an ABN and a business plan for how you’ll use the funds, you could be eligible.
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Typically, you’ll need 20–30% of the property’s value, though some lenders may require more.
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Yes. We work with lenders who cater to self-employed applicants, even if your financials are complex.
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It depends on the lender and loan type, but commercial loans can take longer than residential loans due to the complexity of the deal.
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Absolutely — refinancing can help you secure a better rate, consolidate debts, or access equity for other business investments.
