Commercial Lending

Commercial Lending Solutions

Commercial lending is about structuring the right type of funding to match your business’s cash flow, growth plans, and risk profile.

While commercial property lending is a key component, it’s only part of the picture. We provide guidance across property, equipment, working capital, and trade finance, ensuring your lending aligns with your long-term business strategy.

Why Work with White Willows Finance

At White Willows Finance, we help businesses access a full range of commercial lending solutions—not just for property purchases. We work closely with you and your accountant to ensure the lending solution:

• Matches your business goals and cash flow

• Supports growth and operational needs

• Is tax-effective and structured for long-term flexibility

Whether you’re seeking finance for property, equipment, or day-to-day operations, we help you find the best solution and guide you through the process from start to finish.

Commercial loans are assessed primarily on business performance and risk, not just property value. Lenders typically review:

• Financial statements and tax returns

• Cash flow projections

• Existing debt levels

• Industry risk

• Security offered

Interest rates are generally higher than residential loans and may be structured as variable, fixed, or risk-based pricing. Ongoing financial reporting is often required.

Because commercial lending is highly tailored, there’s no one-size-fits-all solution. The right structure depends on your business stage, industry, growth plans, and risk tolerance.

How Commercial Lending Is Assessed

Commercial Property Loans

Commercial loans can help businesses and investors purchase:

• Offices

• Warehouses

• Retail shops

• Medical suites

• Industrial sites

These properties may be owner-occupied or investment properties with tenants in place.

Lenders generally assess:

• Business financials (profit, cash flow, and trading history)

• Strength of the borrower or guarantors

• Property location and quality

• Lease terms and rental income (if tenanted)

Loan-to-Value Ratios (LVRs) are often more conservative than residential loans, typically 65–70%, requiring deposits of 30–35% plus costs. Loan terms are often 15–25 years.

Businesses often require funding for:

• Vehicles and machinery

• Technology and medical equipment

• Office fit-outs

Equipment finance can be structured through:

• Chattel mortgages

• Finance leases

• Operating leases

• Hire purchase agreements

These facilities are typically secured against the asset, with terms aligned to the asset’s useful life, allowing businesses to preserve cash flow while acquiring income-generating assets.

Equipment & Asset Finance

Business Overdrafts

A business overdraft is a flexible facility linked to your transaction account. It allows you to draw funds up to an approved limit to manage short-term cash flow gaps—such as covering wages, supplier payments, or seasonal fluctuations.

Interest is only charged on the amount used, making it a practical working capital tool. Overdrafts are usually repayable on demand and reviewed annually.

Working Capital & Trade Finance

Some businesses require funding to support key operational needs, such as:

• Purchasing inventory

• Fulfilling large orders

• Managing extended debtor terms

Trade finance and debtor finance (invoice funding) can help maintain smooth cash flow and drive growth, providing flexible alternatives to relying solely on traditional term loans.