Yes, new businesses can get finance, although approval may be more challenging without an established trading history. Lenders may place more emphasis on your business plan and personal financials or offer smaller loans initially. Some options include start-up loans, equipment financing, or working capital finance.
About Commercial Finance
Stratton Finance is your trusted finance broker partner when it comes to securing commercial finance solutions tailored to your business needs. Whether you're a start-up looking to invest in equipment or an established company seeking general business loans, we've got you covered. Our team of experienced Australian-based brokers are backed by our extensive panel of 40+ lenders, guaranteeing a wide range of secured and unsecured loan options that will match your specific financing requirements.
At Stratton Finance, we understand that every business has unique funding needs. That’s why we offer diverse loan options for businesses like yours - from equipment finance to general business loans.
Try our easy commercial loan calculator to estimate the finance repayments for your potential investment, or use our quoting tool to explore the various rates and repayment plans offered by our panel of lenders.
When partnering with Stratton Finance, you’re accessing a team with seasoned financial experts across all major cities including Melbourne, Sydney, Brisbane as well as across our regional network around Australia, who prioritise understanding your situation above all else. Our dedicated brokers are committed to supporting and guiding you through every step of your commercial finance journey – from initial enquiry right through until funds have been transferred.
You’ll be matched with a dedicated broker who will be your single point of contact throughout the process. They’ll take the time to understand your commercial purchase plans, personal details, work history, income, and expenses, helping to create a tailored preliminary assessment for your finance needs. Your broker will then present options tailored to your budget and financial goals.
Not only will Stratton help you secure a commercial finance package that fits your needs, but could also offer comprehensive commercial insurance solutions for your purchase if relevant. Start your loan process with Stratton today and enjoy a seamless process that lets you embark on your next business adventure.
Am I Eligible?
Eligibility criteria vary depending on your circumstances and lender requirements. Working with Stratton gives you access to a broad range of lenders, each with flexible terms. Your broker will work closely with you to secure the best commercial finance rate and repayment options tailored to your needs. Some criteria that will be evaluated include:
- Your business status
- How long you’ve been operating or holding an ABN
- Your credit history – We handle this
- Your residency status
- Your financial history
- Your assets, liabilities, expenses and savings
Benefits of Commercial Finance with Stratton
Anytime, Anywhere, Anyhow
Stratton Finance provides you with the convenience to decide how you want to proceed with your commercial finance application process. You can choose to speak with our dedicated local team members or apply online.
Financial Flexibility
Our lenders provide a range of flexible options, such as no fees for early termination, varying loan terms, and the option to include a residual/balloon payment.
Lifetime Support
Stratton Finance is here to assist you throughout the duration of your loan. Whether you need help determining your outstanding balance, updating your details, or evaluating your changeover options, we're always ready to help.
Why Choose Stratton For Commercial Finance?
Award-Winning Brokers
Best Car Loans by ProductReview 2021–2024 and Best Large-Size Brokerage by WeMoney 2023 & 2024!
We Have Unmatched Experience
With over 25 years of experience helping more than 150,000 people access $8 billion in finance, we have the knowledge you need.
Real People Delivering Exceptional Service
With a 4.8 out of 5 customer rating, we are focused on providing outstanding service to keep you informed at every step, ensuring the best outcome for you.
Commercial Finance Options
We can assist with a variety of commercial finance options:
The Awards
A leading Australian Finance Broker with proven experience you can trust
Our Lenders
We have done the hard work building relationships with lenders so you get the best rates! Some of the lenders on our curated panel include:
Our Process: Simple and Transparent Commercial Financing
From start to finish, we’re with you every step of the way, helping you get the keys or funds in your hands!
How it all works
Understanding Your Needs
We don’t treat you like just another number. Our brokers take the time to understand your specific needs to find the best commercial finance options from our panel of over 40 lenders.
Apply for the Right Deal
Once you are happy with an option that fits for you, your broker will take you through the application. Approvals can occur within 24 to 48 hours.
Get the Keys in Your Hands
If approved, we guide you through the settlement process to finalise the paperwork and payment. Once everything is settled, you’re ready to collect the funds you need and grow your business with confidence.
Providing Ongoing Support
Stratton Finance supports you throughout the life of your loan, ensuring you always have the assistance you need.
Frequently Asked Questions
Repayment options for business finance can vary by lender, but they typically include fixed or variable interest rates with terms ranging from short to long-term. Some lenders offer flexible repayment schedules, such as monthly, quarterly, or seasonal payments, to align with your business cash flow.
Choosing the right finance option depends on your business needs, goals, and financial situation. Factors like the amount of funding required, the purpose of the loan, and your ability to repay should be considered. A broker can help assess your situation and present tailored options based on your requirements.
To improve your chances of getting business finance, ensure you have a strong business plan, up-to-date financial records, and a clear understanding of your cash flow. Maintaining a good credit score and demonstrating stable revenue or future profitability can also enhance your application.