What is Commercial/Business Finance?

Operating a Commercial business and or owning a Commercial premises will often require financial debt facilities - Core debt, equipment finance & working capital.


With consistent bank staff turnover, ever changing financial products and your evolving business, Worth Finance can help find the best banking fit.


We understand that relationships are important and aim to be your main point of contact, so you have ongoing consistency and someone who already knows your business & future goals.


We deal with all the major Bank lending institutions and some non-bank lending institutions. Through our understanding of your business and the financial institutions we are able to put together a comprehensive Funding proposal that encapsulates your business strengths & potential while also covering off key pressure points the Lenders will look for.


This leads to having multiple competitive options across Lending institutions, better turnaround times and takes the pressure off you as the business owner to let you focus on running your enterprise.

We can help you too...

Commercial Property Purchase

Are you looking to expand with a Commercial investment property or buying a commercial business?


Not sure what the banks require? Want to assess if you have the security capacity or if the rental yield or business profit has the capacity to meet the banks required financial commitment ratios? Maybe analyse different options?


Worth Finance has the ability to conduct detailed analysis of purchase proposals to ensure your business will be moving in the right direction.


If you are going to the trouble of putting all the financial information together for a Commercial property purchase why not also test the lending market to ensure your banking is on the best deal possible.

Get in Touch

Refinance

Have you had consistent Bank Manager turn over, maybe you don’t even know who your current bank manager is?


Are you frustrated with slow turnaround times or having to re explain your business over & over?


Do you want someone invested in the best outcome for you & your business? Worth Finance will aim to place you with the best suited Bank & Manager and then continue to work with you as needed.


If you’re putting together your financial information for your Bank Annual review why not engage Worth Finance to also test the market to ensure your banking is on the best deal possible.

Get in Touch

Commercial Property Purchase

Are you looking to expand with a Commercial investment property or buying a commercial business?


Not sure what the banks require? Want to assess if you have the security capacity or if the rental yield or business profit has the capacity to meet the banks required financial commitment ratios? Maybe analyse different options?


Worth Finance has the ability to conduct detailed analysis of purchase proposals to ensure your business will be moving in the right direction.


If you are going to the trouble of putting all the financial information together for a Commercial property purchase why not also test the lending market to ensure your banking is on the best deal possible.

Get in Touch

Refinance

Have you had consistent Bank Manager turn over, maybe you don’t even know who your current bank manager is?


Are you frustrated with slow turnaround times or having to re explain your business over & over?


Do you want someone invested in the best outcome for you & your business? Worth Finance will aim to place you with the best suited Bank & Manager and then continue to work with you as needed.


If you’re putting together your financial information for your Bank Annual review why not engage Worth Finance to also test the market to ensure your banking is on the best deal possible.

Get in Touch

FAQ

  • How much can I borrow?

    This is not a simple 1 size fits all. It incorporates a number of banking pressure points and not all banks have the same thresholds, a few of these are;

    • What is your post funding Loan to Value ratio (bank security vs loan limits)
    • Post funding Equity position
    • Business ability to show capacity to repay the loans over a specific term
    • Business liquidity or cash flow

    Worth Finance can help analyse these points, alternative options and navigate the lenders.

  • How much Deposit do I need?

    This will vary dependent on your current position and will differ between banks.


    • Generally the banks may range between 30% to 50% deposit required – either as cash or available security in another asset.
    • Not all banks are the same & it will also be dependent on things like;

           - Stamp duty payable on a purchase

           - Any additional lending required for working capital.

           - Your ability to service the loan & capacity to repay the loan

           - Ending overall equity position

           - Are guarantees involved


    Worth Finance can help analyse these points, alternative options and navigate the lenders.

  • On my proposal I can pay the interest, why am I getting resistance from the bank?

    The banks analyse your servicing capacity differently;

    • Banks will build in an additional buffer on top of current rates, to ensure you can sustain rate movement
    • Although you may be only paying interest only, the banks will do calculations based on Principal & Interest over a specific term to ensure the ability to repay the loan if required.
    • The banks will also build in a ratio to be covered by earnings (before interest, tax & depreciation) to ensure the business can withstand some ups & downs.  

    Worth Finance can help analyse these points, alternative options and navigate the lenders.