Business and Commercial Loans

Fuel your business growth with our specialised commercial loans!


At Must Home, we understand that securing finance for your business can be a daunting task. That’s why we’re here to simplify the process and offer easy and quick access to business and commercial loans. Whether you’re a small start-up or a well-established corporation, our experienced brokers are dedicated to helping you find the perfect financial solution tailored to your needs.

With Must Home, you can expect personalised guidance and support throughout the loan application process. Our experts leverage their industry knowledge and extensive network of 65+ lenders to secure the best possible terms for your business. Whether you require funding for expansion, equipment purchases, or working capital, our brokers are equipped to handle your unique requirements with precision and efficiency. With us by your side, you’ll have peace of mind knowing that your financial needs are in capable hands.

Experienced business loan & commercial finance brokers just a phone call away

Our business loan brokers and commercial finance experts at Must Home are just a phone call away. With years of industry experience under their belt, our brokers have the knowledge and expertise needed to guide you through the complex world of business and commercial finance. From initial consultation to loan approval, we’ll be by your side every step of the way.

At Must Home, we pride ourselves on our personalised approach to business and commercial finance. Our dedicated business loan brokers understand the unique challenges faced by businesses of all sizes and industries. Whether you’re seeking a startup loan or finance for a large-scale project, our brokers are here to provide tailored solutions that align with your goals. We believe in building lasting relationships with our clients, offering ongoing support and guidance beyond the loan approval process. Trust Must Home to be your partner in achieving financial success.

Explore the wide range of business loan and commercial finance solutions we can help you with

Discover a range of business loan and commercial finance solutions tailored to your needs at Must Home. Whether you require funding for expansion, equipment purchases, or operational expenses, our experienced brokers are here to assist you. We can help with various business and commercial loan options, such as:

  • Business vehicle finance: Our experienced brokers can assist you in navigating the intricacies of securing finance for company vehicles, ensuring you get the best terms and rates available.
  • Business expansion loans: Let our knowledgeable brokers guide you through the process of obtaining funding to fuel the growth and expansion of your business ventures.
  • Small business loans: Our brokers specialise in helping small businesses access capital tailored to their needs, providing personalised assistance throughout the application process.
  • Line of credit: A line of credit allows businesses to access a predetermined fund amount as needed, with interest applied solely on the borrowed sum. This option offers flexibility in handling cash flow fluctuations and covering short-term expenses. Our expert brokers at Must Home are here to guide you through obtaining and managing a line of credit, ensuring you leverage this flexible finance option effectively for your short-term financial needs.
  • Cash flow finance: Address short-term cash flow gaps and maintain liquidity with flexible finance solutions. Rely on our experts to tailor cash flow finance solutions to your specific business needs, ensuring you maintain financial stability.
  • Term loans: Acquire long-term funding with fixed or variable interest rates for various business purposes. Our brokers will work with you to secure term loans with favourable terms and repayment structures aligned with your business goals.
  • Business overdraft facility: Access extra funds beyond your account balance for managing cash flow fluctuations. Our brokers at Must Home can assist in setting up and optimising your overdraft for smooth financial operations.
  • Low doc loans: Benefit from our guidance in navigating the low documentation loan process, making it easier for you to access the funding you need.
  • Equipment finance: Invest in essential equipment and machinery without compromising cash flow. Let us assist you in securing equipment finance options that align with your business objectives and budgetary constraints.
  • Chattel mortgages: Secure asset-based finance using existing business assets as collateral. Our experienced brokers can help you leverage your existing business assets to secure chattel mortgages, unlocking valuable finance opportunities.
  • Invoice finance: This type of loan allows businesses to receive immediate cash by selling their accounts receivable to a lender at a discount. It helps improve cash flow by converting unpaid invoices into working capital. Count on our expertise to help you streamline your cash flow by converting outstanding invoices into immediate funds through invoice finance solutions.
  • Working capital loans: Working capital loans are short-term loans designed to cover day-to-day operational expenses, such as payroll, rent, utilities, and inventory purchases. Our brokers can assist you in obtaining working capital loans tailored to your business’s unique requirements, ensuring smooth day-to-day operations.
  • Commercial hire purchase: It is an arrangement where the business hires an asset until the last payment is made, and then owns the asset. With our guidance, you can explore commercial hire purchase options and secure finance for essential business assets with ease.
  • Unsecured business loans: Our brokers can help you navigate unsecured business loans, providing support and guidance to secure funding without collateral.
  • Secured business loans: Trust our experienced brokers to help you secure finance with collateral, obtaining favourable loan terms and competitive interest rates for secured business loans.
  • Commercial mortgages: These loans are used to purchase or refinance commercial properties, such as office buildings, retail spaces, or industrial warehouses. Let us assist you in securing commercial mortgages for your real estate investments or commercial properties, ensuring you get the best finance options available.
  • Construction loans: Construction loans provide finance for property development projects, including the construction of new buildings or the renovation of existing ones. Rely on our expertise to help you secure construction loans with flexible terms and drawdown options tailored to your project needs.
  • Finance lease: It is a form of lease where the lender buys the asset and rents it to the business. Lease essential equipment or vehicles with the option to purchase or upgrade at the end of the term. Allow us to guide you through the finance lease process, helping you acquire necessary equipment or vehicles while preserving your cash flow.
  • Commercial real estate development loans: These loans are specifically tailored for large-scale real estate development projects, such as residential subdivisions or commercial complexes. Our experienced brokers can guide you through the process of securing finance for real estate development projects, from land acquisition to construction.
  • Asset-based loans: Asset-based lending involves using business assets, such as inventory, equipment, or accounts receivable, as collateral for a loan. Count on our experts to help you leverage your business assets to secure asset-based loans, providing the funding you need for expansion or operational needs.

Top deals on business and commercial loans: Best rates and terms guaranteed!

With Must Home, you can access a vast network of 65+ trusted lenders offering competitive rates and flexible repayment options. Our commitment to finding you the best deals ensures you receive favourable terms tailored to your specific requirements. At Must Home, we understand that every business has unique financial needs. That’s why our experienced commercial loan brokers go above and beyond to tailor loan packages that suit your specific circumstances. Whether you’re a small startup or a large corporation, we’re dedicated to finding the perfect finance solution that aligns with your goals and helps your business thrive.

Business and commercial loan features explained

Understanding the important features of business and commercial loans is crucial for informed decisions. At Must Home, we aim to empower you with the knowledge to navigate the loan landscape confidently. We are here to ensure you have clarity on these key features before proceeding with your loan application.

  • Principal and interest loans: We can help you secure finance where payments cover both the loan amount and interest, ensuring gradual debt reduction while maintaining steady interest payments.
  • Interest-only loans: You can opt for loans where payments only cover the interest, providing flexibility in managing cash flow while preserving capital for other investments.
  • Fixed and variable interest rates: Choose between stable fixed rates for predictability or variable rates for potential cost savings tailored to your risk tolerance and financial strategy.
  • Split loans: Split loans offer borrowers flexibility by splitting the loan into different components, such as fixed-rate and variable-rate or principal and interest repayments versus interest-only repayments. This strategy helps hedge against interest rate fluctuations and aligns with business cash flow needs.
  • Repayment frequency: Select repayment schedules aligned with your cash flow, whether monthly, quarterly, half-yearly, or annually, ensuring manageable loan payments tailored to your business cycles.
  • Redraw facility: With support from Must Home’s expert brokers, you can access additional funds from your loan account beyond scheduled repayments, offering you more financial flexibility for unexpected expenses or investment opportunities.
  • Collateral requirements: Many business loans need security, like real estate or equipment, to protect the lender if the borrower defaults.
  • Loan fees and charges: Business and commercial loans often have additional fees beyond interest rates, such as origination, application, appraisal, legal, and ongoing servicing fees.

We have access to an extensive panel of trusted lenders

Must Home maintains partnerships with 65+ trusted lenders, giving you access to a diverse range of finance options. With our extensive panel, we can match you with the perfect lender that meets your unique needs. Our commitment to excellence extends beyond mere numbers. At Must Home, we prioritise quality over quantity, ensuring that each lender in our extensive panel meets rigorous standards of reliability, transparency, and customer service. With us, you can rest assured that you’re not just getting access to lenders, but to trusted partners dedicated to your financial success.

Eligibility criteria for business and commercial loans

The requirements for business and commercial loans in Australia typically include:

  • Active ABN/ACN: Your business needs to have a valid Australian Business Number (ABN) or Australian Company Number (ACN).
  • Australian citizenship or permanent residency: You must be an Australian citizen or have permanent residency.
  • Trade record: Your business should have a trading history of at least six to twelve months.
  • Monthly earnings: There’s usually a minimum monthly revenue requirement, and the precise figure can differ based on the type of loan and the lender involved.
  • Financial records: You’ll need to provide financial documents or bank statements to show your business’s financial status.
  • Credit score: Having a good credit score is important for business loans and can differ based on the lender and the type of loan you’re applying for.

At Must Home, our experienced business loan brokers can assist you every step of the way. We are here to guide you through the entire process, ensuring you find the right loan for your needs.

How our expert brokers streamline the business & commercial loan process

Our expert brokers at Must Home streamline the business and corporate loan process to ensure a seamless experience for our clients. From initial consultation to settlement, our process includes:

  • Initial consultation: We start by understanding your financial needs and goals through an initial discussion.
  • Collecting information and documents: Next, we gather all necessary information to assess your financial situation thoroughly.
  • Strategy discussion: We collaborate with you to develop a strategic plan tailored to your business objectives.
  • Choosing a lender: Our brokers leverage their extensive network to find the right lender that offers the best terms for your loan.
  • Submitting and getting approved: We handle the entire application process, submitting your documents and negotiating with lenders to secure approval.
  • Finalising the deal: Once approved, we finalise the deal, ensuring all details are in place for a smooth settlement process.

Unlock growth with our tailored business loan and commercial finance solutions to fit your needs

At Must Home, we believe in unlocking growth opportunities for your business with our tailored loan and finance solutions to meet your needs. Our personalised approach ensures you receive the support and guidance necessary to achieve your financial goals. We know that each business is different and has its own hurdles and goals. That’s why we offer tailored business loan and commercial finance solutions designed to address your specific needs and propel your growth forward. With our tailored approach and dedicated support, we’re committed to helping you unlock the full potential of your business.

Why Must Home stands out as your top pick for business and commercial loans

With our exceptional expertise and wide network of 65+ trusted lenders, we provide unmatched support to help you secure the ideal finance solution tailored to your specific business requirements. Here are some strong reasons to pick Must Home for your business or commercial loan:

  • Skilled commercial finance brokers: Our expert brokers offer unparalleled knowledge and expertise to effectively guide you through the loan process.
  • Wide network of lenders: With our extensive network of trusted lenders, we can connect you with the best finance options available in the market.
  • Quick response: You can count on Must Home for prompt and efficient service and timely responses to all your inquiries and applications.
  • Goal-oriented approach: We are committed to helping you achieve your business objectives, providing solutions tailored to your specific needs.
  • Quick process – from applying to getting approved: Experience a speedy process with Must Home, from submitting your application to receiving approval. We streamline the entire process to ensure you get the finance you need swiftly and efficiently.
  • Clear communication: We believe in transparent and straightforward communication, keeping you informed at every step of the process.
  • Proven success: You can rely on us to get results supported by our history of successful deals.
  • Continuous assistance: Our support doesn’t end with loan approval. We remain dedicated to assisting you throughout the entire loan journey and beyond.

Common queries regarding business and commercial loans

At Must Home, we believe in being clear and ensuring you understand everything during the loan process. Here are some common questions people often ask about business and commercial loans:

Options include term loans, lines of credit, equipment finance, working capital loans, and commercial mortgages, among others.

A: Approval times vary depending on factors such as the complexity of the loan and the completeness of your application. However, our streamlined process ensures quick approvals whenever possible.

A: Required documents may include financial statements, tax returns, business plans, and proof of identity. Our experienced brokers will guide you through the documentation process.

A:Yes, Must Home offers finance solutions for start-up businesses, finding the right lender to help turn your business idea into reality.

A: Typically, business loan funds can be used for various purposes, such as expansion, equipment purchases, inventory, or operational expenses, depending on your business needs.

A: Interest rates vary depending on factors such as loan type, term, and market conditions. Our brokers work to secure competitive rates from our network of lenders.

A: Collateral requirements may vary depending on the loan type and amount. Must Home offer both secured and unsecured business loan options to suit different circumstances.

A: Loan amounts are determined based on factors such as your business’s financial health, creditworthiness, and the purpose of the loan. Our brokers will assess your situation and recommend suitable options.

A: Yes, many loans allow early repayment, but you have to check if there are any penalties for doing so. Our brokers can help you understand the terms and conditions associated with early repayment.

A: Absolutely, Must Home offers refinancing options to help businesses secure better terms, lower interest rates, or consolidate debt. Our brokers can assess your current loans and recommend refinancing solutions if beneficial.

A:Secured loans require collateral, while unsecured loans do not but may have higher interest rates due to increased risk.

A: Must Home prioritises the confidentiality and security of your information. We adhere to strict privacy policies and utilise secure communication and document exchange channels throughout the loan process.

Contact us for expert business and commercial loan assistance

Are you geared up to take your business to the next stage? Contact Must Home today for all your business and commercial loan needs. Whether you’re a start-up or a seasoned entrepreneur, we’re here to help you succeed.