Business finance options
The right finance for the right stage of your business
Business finance covers a wide range of needs - working capital, equipment, commercial property, business acquisition or expansion. The right structure depends on your business type, security position and purpose. Lendology matches your need to the right lender and product across our commercial panel.
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Secured vs unsecured - Commercial loans may be secured against business or personal assets, or unsecured for qualifying businesses. The security position significantly affects the rate and amount available.
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Trading history - Most lenders require at least 2 years of trading history for commercial finance. Some specialist lenders consider shorter histories for strong businesses. Lendology identifies the right lender for your trading period.
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Residential security for commercial debt - Using residential property as security for commercial finance can be appropriate but requires careful structure. Lendology assesses the implications for your personal and business position.
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ATO compliance position - Lenders assess your ATO compliance as part of commercial lending. Outstanding tax obligations can affect approval. Lendology advises on what needs to be in order before lodging.
15 minutes with Jason or Steve. No cost to you, the lender pays us when your loan settles. You pick a time, we call you.
How it works
The Lendology process
1
Business purpose and needs assessment
We understand what the finance is for - equipment, property, working capital or acquisition - and how it fits your business plan.
2
Financial assessment
We review your business financials, trading history and security position to identify which lenders and products are most appropriate.
3
Product comparison
We compare options across our commercial panel - term loans, lines of credit, equipment finance, commercial property loans - and present the best fit.
4
Application and settlement
We prepare the application, manage lender queries and coordinate settlement - liaising with your accountant where relevant.
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Common questions
FAQs
What types of business loans does Lendology arrange?
Lendology arranges a broad range of commercial finance including business term loans, lines of credit, equipment and asset finance, commercial property loans, and business acquisition finance. If you have a specific need not listed, contact Lendology to discuss.
What documents do I typically need for a business loan?
Typically: 2 years of business and personal tax returns, financial statements (profit and loss, balance sheet), 6 months of business bank statements, and details of any existing loans or liabilities. Requirements vary by lender and loan type. Lendology provides a specific document list for your situation.
Can I use my home as security for a business loan?
Yes - using residential property as security for commercial finance is common and can improve the rate and amount available. Lendology assesses the implications for your personal and business position and ensures the structure is appropriate.
How long does a commercial loan approval take?
Commercial loan assessment is typically more complex than residential. Allow 2 to 4 weeks for a standard commercial application. Some lenders offer faster turnaround for simpler applications. Lendology manages the process to minimise delays.