Business/Commercial

• Retail/Shops
• Industrial
• Business overdrafts/ Equity Lines
• Leasing/Hire Purchase
• Franchises
• Property Developments

With more than 2 million small to medium businesses operating Australia-wide, Australia flourishes in the small business sector. Traditionally, accessing finance options has been difficult however more recently we have seen a move towards a growth sector and lending is becoming more available.

Commercial lending requires a more tailored packaged which directly suits the client and their business, with pricing rarely set in stone. Finding the right lender for your commercial purchase requires a great deal of knowledge and understanding of the commercial lending.

At Milestone Mortgages, we understand that to run a successful daily operation you need an uninterrupted capital supply and flexible lending that allows your business to keep running smoothly and keep it growing. Commercial lending can often be a very viable solution for many small to medium size business owners.

Starting or developing a business will need some form of investment. Whether you need an overdraft or line of credit to improve cash flow to buy an equipment to improve your production, to finance a property development or buy a vehicle for a more efficient transportation, you will need the services of Milestone Mortgages to ensure you end up with the right Business Finance Solutions.

We will liaise closely with you, the business owner, to ensure you understand your business needs goals. Often we ask to see a business plans, personal and business financial statements and obtain information regarding collateral and assets.

Once we’re equipped with a business’s relevant information, we help you prepare a business profile. A business profile provides lenders with relevant information about your business, including information regarding the company’s annual sales, a profit and loss statement, details about recent ownership, the type of business, number of employees etc.

We can help you arrange finance if you are:

• Purchasing an existing business,
• Starting up a new business,
• Expanding your existing business, or
• Providing working capital for your existing business.
• Debtor/inventory funding
• Motor vehicle financing
• Equipment/tool/plant equipment financing
• Business property financing

Milestone Mortgages can provide you with creative solutions for your commercial loans and business needs. We understand the importance of structuring a loan so that the repayment of debt matches the cash flow of the business. We consider your existing repayment obligations to be able to provide you with a pocket-friendly repayment scheme.

If you think that a traditional commercial loan is not right for the business you run, we offer you with a range of other alternatives to be able to finance your business needs. Our loans are tailored according to the desires of our clients.

Equipment Finance
Need equipment to help your business grow? Better equipment financing means better business. At Milestone Mortgageswe can also assist with equipment finance for a wide range of assets including vehicles, farm machinery, and construction industrial and office equipment. We can work with our finance partners so that you can choose to finance these instead of having to eat into your cash flow.

Why finance your business assets?

• Preserve your working capital
• Fixed rental payments
• Tax benefits
• Keep up to date with equipment and technology
• Short term rental options available

We can help you borrow to buy or lease assets for your business. The 4 main products used for equipment finances are:

• Hire purchase. You hire the equipment until you make the final payment, at which point you own the asset.
• Chattel mortgage. You own the asset from the start and the lender takes charge over the asset.
• Operating lease. The lender owns the asset and leases it to you.
• Novated lease. The lender owns the asset and your employer pays rental payments.

Who is eligible to apply?

• Anyone who runs a business with an ABN can apply for funding. The application is is easy and takes just a matter of minutes.

It’s invaluable expertise and sound advice that saves you time, stress and money.