Business Commercial Property Loan
We will help you navigate through the complex commercial property
banking requirements, making it easier to get approvals for your next commercial property.
Accounting software we work with
GET YOUR NEXT COMMERCIAL PROPERTY
We Take Complex Commercial Property Loan Process Out, Helping Small Business Owners to Grow Their Business
Securing a commercial property loan can be a complex and time-consuming process, especially when dealing with banks directly. As experienced small business accountants, we have the expertise to guide you through every step of the way. Our in-depth knowledge of the loan process can help you navigate it with ease and avoid potential pitfalls.
Whether you’re looking to purchase commercial property, invest in new equipment, boost your working capital, or fund other business activities, we can help you navigate the process to secure the funding you need.
Let us help you in determining if a commercial loan aligns with your financial goals.
Why Use Our Commercial Loan Broker for Your Finance
When it comes to navigating the complex seas of finance, our team of Oyster Hub brokers can carefully assess both interest rates and loan features to find the most suitable options for your needs, helping you manage your loan with confidence and sail towards success.
Small Business Accountants
Our Commercial Property Loan Broker have deep understanding of small business financials
Commerical Property Rates
We compare finance options from multiple banks to ensure you get the most favourable rates and loan options.
Our experts will suggest the best business structure after evaluating your circumstances.
Receive expert guidance on your Commercial Property Loan, including borrowing limits and strategies for reducing Tax Liabilities.
Small business owners often make costly mistakes when purchasing an investment property due to due to inadequate tax planning. Oyster Hub can help you avoid these common errors by providing expert guidance on business finance for expansion, investment funding, leasing, and buying.
We know that a simple and flexible commercial loan structure is crucial when growing your business. We are here to guide you through the financing process, whether you’re looking to purchase a commercial property or refinance an existing loan Don’t let common mistakes hold you back from success – let us help you make sound financial decisions.
Commercial Property Loan Process
Our process is built around transparency and speed. Time is precious and often critical to the success of your transaction. We do not waste any time in getting you the answers you need.
It’s essential to have the right business structure in place to ensure the protection of your investment. Contact us today to schedule your FREE consultation and let us provide recommendations based on your unique situation.
It’s important to understand how commercial property loan rates work. The interest rate you’ll pay, including the type of property, loan amount, and credit score can impact your loan rate.
The type of commercial property loan rate you choose should ultimately depend on your individual needs and circumstances.
Let us discuss your options and determine the best financing solution for your commercial property purchase.
Applying for a commercial property loan is similar to that of a residential mortgage: you just need to fill out a loan application, provide documentation, and meet with the lender to discuss loan terms and conditions.
However, it is important to consider having a strong financial history and credit score to increase your chances of being approved. Having a well-defined business plan and being able to show how the loan will benefit your business can also help.
Your financial and human resources processes will be significantly less likely to suffer from errors if you have an automated accounting system in place. These systems store documents and crucial information digitally on the cloud. This makes for an excellent organisation and provides instant access to anyone who needs them at any time.
Purchasing a property outright, securing a commercial property loan, or even pooling resources with other business owners to invest in a shared space can be a smart decision for business owners looking to establish a permanent and secure location for their business.
Contact us to discuss your options and determine the best course of action for your business.
When you invest in commercial property for your business, the property becomes an asset that can help you secure loans for other business purposes as you build equity in it. Investing in commercial property for your business can be a wise financial decision with numerous benefits.
Investing in commercial property can be a wise decision for those looking to generate ongoing rental income as well as long-term capital growth. With the right strategy and guidance, investing in commercial property can provide a steady stream of income and help build long-term wealth.
Safeguard your property in case your business encounters financial challenges through passive assets, such as commercial property.
Structuring options include (but are not limited to):
If you’re considering buying commercial property, owning it in your personal name might seem like the most cost-effective choice since there are no additional fees to establish or maintain a separate structure. However, it’s essential to keep in mind that the property will become part of your personal asset pool and may be vulnerable to legal claims or creditor actions.
Enjoy asset protection for the property, while also having the flexibility to distribute rental income earned among family members. Plus, an eligible individual can benefit from a 50% CGT discount.
You can achieve asset protection and benefit from a capped tax rate of either 25% or 30% by holding property in a company. But keep in mind that selling the property for a capital gain will result in forfeiting the 50% CGT discount.
4. Self-Managed Superannuation Fund (SMSF)
You can consider purchasing your business premises through your SMSF’s Deed and Investment Strategy permit. Funding for the purchase can come from the SMSF’s available cash or through a Limited Recourse Borrowing Arrangement (LRBA) – a loan made to the SMSF. However, it’s important to note that obtaining an LRBA can be challenging as many banks don’t offer this type of loan, and they typically require higher deposits and shorter loan terms compared to other types of loans.
Commercial property financing can be a complex process. As small business owners ourselves, we understand the challenges of commercial finance and can provide valuable insights to help you secure the funding you need. Our experienced Mortgage Choice brokers will work with your accountant to find the right solution for you.
Some of The Common Asked Commerical Property Loan Questions
Automated accounting involves the use of software to automate important finance operations. Accounting operations like accounts reconciliation, updating financial data, and preparing financial statements can be completed without human interaction using accounting software. These are just a few of the automated accounting functions:
Accounting automation is the use of advanced software for automating accounting tasks. Accounting software can automate repetitive tasks without the need for you to enter any data manually. Modern technology and innovative software solutions make it possible to automate accounting processes. This has made it possible to automate the accounting process for small business owners that are able to do it themselves
The Benefits of working with a Finance Broker Who Understands Small Business
At Oyster Hub Finance, we are dedicated to helping small business owners find their pearls and make a meaningful impact on their families. Whether you need a short-term cash flow solution or financing for your dream home, our goal is to ensure that every financial decision you make leads to success.
Our team of lending experts is committed to providing personalized and convenient service, meeting you at a time and place that suits your needs. Let us be your guide through the process, empowering you to turn your financial goals into a vibrant reality. The world is your oyster, and with Oyster Hub Finance, you can discover the pearl that will transform your future.
Our finance brokers, well-versed in small business dynamics, possess comprehensive knowledge of self-employed business owners. With a thorough understanding of your unique circumstances, we delve deep into preparing you for your next property purchase, ensuring you’re well-equipped to make informed financial decisions.
Assessing Financial Needs: We start by understanding your financial requirements and objectives. Our experts will conduct a thorough evaluation of your business and financial statements to determine the amount of funding needed and the best loan options for your specific situation.
Gathering Documentation: We guide you through the process of gathering all the necessary documentation for the loan application. This includes financial statements, tax returns, bank statements, business plans, and any other supporting documents required by the lenders.
Preparing a Strong Application: Our team assists in preparing a strong loan application that highlights your business’s strengths, financial stability, and growth potential. We ensure that all the relevant information is presented in a clear and compelling manner to enhance your chances of approval.
Connecting with Lenders: As experienced finance brokers, we have established relationships with a network of lenders specializing in small business loans. We connect you with the right lenders, matching your needs and increasing your chances of securing favourable loan terms.
Managing the Process: We act as your advocate throughout the loan application process, liaising with lenders, providing necessary updates, and addressing any queries or concerns. Our goal is to make the process as smooth and efficient as possible, saving you time and reducing the stress associated with loan applications.
By following these steps, we help small business owners navigate the loan application process, ensuring that they present a strong case to lenders and improve their chances of obtaining the financing they need to grow and thrive.
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At Oyster Hub, our finance brokers are supported by award-winning accountants, providing you with trustworthy advice you can rely on. When you choose our services, you can have confidence in the expertise and knowledge backing our finance professionals.
Our OysterHub accountants are available to provide your business with the accounting services and strategic direction it needs to grow while staying in compliance with tax laws.
Because all of our Sydney accountants are highly skilled experts with experience working with a number of business types, you can be sure that using our services will lead to the greatest outcomes. An accountant can help you with everything from dealing with the ATO to growing your business.
5-star ratings from clients
Extensive accounting and taxation expertise
Customer service personnel
The right experts for your starting business
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Learn more about our Award Winning Service
Your business is a journey; create an impact and build a business that has a purpose to make a difference to your family, community, and yourself. We have put together everything you need to know about how we create an impact at Oyster Hub with ‘Your Journey with Oyster Hub Guide.’ Download the PDF and learn more about how you can create an impact in your business
Small Business Tax Accounting
What People Love About Us
I have never found a more passionate finance broker than Vik and his team at Oysterhub. We were about to lose our house when our business took a down shift. Vik saved us from getting a finance deal approved when banks shut the door at us. It's great to work with people who actually care about people not just profits.
I have never seen someone more passionate tax accountant than Adarsh about wanting to help people save time on their menial processes - makes me wonder the experiences in business he has gone through but I'm not complaining I am thankful for it. He is the only tax accountant who has helped me save an extra 8-10 hours per week on lazy accountant tasks and facilitate in enabling me to put these tasks to more productive areas.