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Our commercial broking service costs nothing. A Mates Rates commercial loan is the same loan, from the same lender, at the same rate as going direct.
Compare commercial loans from dozens of lenders and get expert business finance advice at no cost to you.
Whether you need cash flow support, want to fund business expansion, acquire commercial property, fit out premises, purchase stock, or lease fleet vehicles, Mates Rates Mortgage Brokers compares commercial and small business loans from dozens of lenders to find the right finance for your business objectives. Same loan, same lender, same rate as going direct. No broker fees.
$14M+
Cash-back paid to borrowers
45+
Lenders compared
Since 2005
Australia’s original & best cash-back broker
The right commercial loan depends on what you need the funds for, how quickly you need access to them, and what assets or security you can offer. These are the main loan types available to Australian businesses.
Standard business loan
A lump sum with a defined loan term. You choose the loan term, interest rate type (fixed or variable), and security type (secured or unsecured). Suited to business acquisitions, start-up costs, capital investment, and commercial property purchases.
Borrow against assets such as residential or commercial property, inventory, or accounts receivable. Lower interest rates and higher borrowing amounts. Takes longer to approve as assets must be valued.
Uses the strength of your cash flow as security instead of physical assets. Faster approval, smaller loan amounts, and higher interest rates than secured loans.
If you need to invest in vehicles, machinery, or equipment, asset finance may be a better option than a standard business loan. There are three main structures:
Your lender purchases the asset on your behalf, and you rent it over a fixed period. At the end of the lease, you return the asset and pay the residual. May carry business tax advantages.
Your lender purchases the asset, and you repay them over an agreed period. When all repayments are made, your business owns the asset. May carry business tax advantages.
The lender directly lends you the money to purchase the asset. You own the asset from day one and can use the income it generates to service the loan.
Linked to your business transaction account. You access funds only when needed and repay by depositing them back into your account. Interest is charged only on funds drawn, not the full credit limit. Higher rate than a standard business loan, but highly flexible for managing day-to-day cash flow.
Uses your outstanding business invoices as collateral. You can sell invoices that are not yet due to the lender for up to 85% of their value, giving you fast access to cash without waiting for customers to pay.
Our commercial broking service costs nothing. A Mates Rates commercial loan is the same loan, from the same lender, at the same rate as going direct.
Our brokers work with businesses of all sizes across all industries and understand what lenders need to see to approve your application.
We compare commercial loans from dozens of banks and non-bank lenders to find the right loan type and structure for your business.
You get the same interest rate you would receive if you went directly to the bank, with no broker markup.
We handle the paperwork, manage the lender relationship, and guide you through every step of the application process to minimise delays.
We search across our full lender panel, including major banks, regional banks, and specialist commercial lenders.
From first enquiry to settlement, a Mates Rates broker manages every step on your behalf.
1
We start with a call to understand your business, your financing objective, the loan type you need, and your security position. We will tell you upfront which lenders are likely to approve your application.
2
We compare loan types, interest rates, terms, and structures from dozens of lenders to identify the most suitable option for your business needs and financial situation.
3
We prepare and lodge your business loan application with all required documentation, liaise with the lender on your behalf, and manage the process through to formal approval.
4
Your commercial loan settles, and funds are made available. For asset finance, we coordinate with the lender and supplier to ensure a smooth settlement and delivery of the asset.
We arrange commercial finance across every major loan type available to Australian businesses:
Secured business loans use one of your assets as security against the loan amount. Acceptable security typically includes residential property, commercial property, inventory, or accounts receivable. Secured loans offer lower interest rates and higher borrowing amounts than unsecured loans, but take longer to approve because the lender must value your assets first.
Unsecured business loans use your business’s cash flow as security rather than physical assets. Approval is faster than for secured loans, but the loan amounts are typically smaller, and interest rates are higher to reflect the increased lender risk.
If your business does not have sufficient assets to serve as security, your lender may require a guarantor. A guarantor agrees to cover outstanding loan repayments if your business cannot make them. This may be a director’s guarantee or a third-party guarantee from someone willing to provide their own assets as security.
A first-party guarantee is when you guarantee the loan using an asset you personally own, typically your residential property. A third-party guarantee occurs when another person, usually a director, family member, or business partner, provides security using their own assets. If the business cannot make repayments, the guarantor may be required to sell their asset or provide further security to cover the debt.
Requirements vary by lender, but you will generally need:
A Mates Rates broker will confirm the exact documentation requirements for your chosen lender before you apply, reducing the risk of delays.
When a commercial property is purchased in your business name, it immediately becomes a business asset. You can use your business cash flow to service the loan, and as equity builds in the property, you can use it to secure further business borrowing for other purposes.
Purchasing in your personal name or through a self-managed super fund (SMSF) allows you to benefit from both the capital appreciation of the property and the rental income stream you receive from your business leasing the property from you. The property must be leased to the business at the prevailing market rate. A Mates Rates broker can help you assess which structure is most tax-effective for your circumstances.
Talk to a Mates Rates broker about your business financing needs. We compare commercial loans from dozens of lenders, handle the application process, and work in your interests at no cost to you.
Secured business loans use one of your assets as security against the loan amount. Acceptable security typically includes residential property, commercial property, inventory, or accounts receivable. Secured loans offer lower interest rates and higher borrowing amounts than unsecured loans, but take longer to approve because the lender must value your assets first.
Unsecured business loans use your business’s cash flow as security rather than physical assets. Approval is faster than for secured loans, but the loan amounts are typically smaller, and interest rates are higher to reflect the increased lender risk.
If your business does not have sufficient assets to serve as security, your lender may require a guarantor. A guarantor agrees to cover outstanding loan repayments if your business cannot make them. This may be a director’s guarantee or a third-party guarantee from someone willing to provide their own assets as security.
A first-party guarantee is when you guarantee the loan using an asset you personally own, typically your residential property. A third-party guarantee occurs when another person, usually a director, family member, or business partner, provides security using their own assets. If the business cannot make repayments, the guarantor may be required to sell their asset or provide further security to cover the debt.
Requirements vary by lender, but you will generally need:
A Mates Rates broker will confirm the exact documentation requirements for your chosen lender before you apply, reducing the risk of delays.
When a commercial property is purchased in your business name, it immediately becomes a business asset. You can use your business cash flow to service the loan, and as equity builds in the property, you can use it to secure further business borrowing for other purposes.
Purchasing in your personal name or through a self-managed super fund (SMSF) allows you to benefit from both the capital appreciation of the property and the rental income stream you receive from your business leasing the property from you. The property must be leased to the business at the prevailing market rate. A Mates Rates broker can help you assess which structure is most tax-effective for your circumstances.
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