Commercial Property Loans
Whether you're purchasing a retail space, office, warehouse, or industrial property, commercial loans have different structures and requirements compared to residential lending. Deposits are typically higher (20–30%), and lenders assess the property's rental yield alongside your business financials. BAMA Loans works with commercial-specialist lenders to find terms that suit your business strategy.
Business Finance
Growing a business often requires capital. We can help with:
- Business term loans — Lump sum finance for expansion, fit-outs, or major purchases
- Business overdrafts — Flexible working capital to manage cash-flow fluctuations
- Equipment finance — Fund machinery, tools, technology, or fit-outs with structured repayments
- Invoice financing — Unlock cash tied up in outstanding invoices
Car and Vehicle Loans
Whether it's a personal car, a work vehicle, or a fleet for your business, we compare vehicle finance options across our lender panel. Options include:
- Car loan (secured) — Competitive rates with the vehicle as security
- Chattel mortgage — Popular for business use, with potential tax benefits including GST and depreciation claims
- Finance lease — The lender owns the vehicle and you make regular lease payments, with a residual at the end
- Novated lease — Salary packaging arrangement through your employer, using pre-tax income
Why Use a Broker for Commercial and Car Finance?
Dealer finance and bank-direct options often come with higher rates and limited flexibility. As a broker, we compare across multiple lenders — including specialist commercial and asset financiers — to find the most competitive deal. We handle the application and negotiation, saving you time and money.