Business lending

Looking to grow your business? We can help you understand the finance options available and do all the legwork in sourcing the right business loan for your needs.

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Business finance - what to consider

Seek help to find the right package

With so many finance providers offering different finance types, with varying structures and repayment options, it can be difficult to find the one that’s best for your business. It pays to seek independent advice before you make your choice, and this is where your Mortgage Choice broker can help.

Finding the right loan

A business overdraft gives you access to cash to cover short term requirements, such as bridging the gap between service delivery and payment. An overdraft is usually unsecured, but is likely to offer a cheaper interest rate than a credit card.

If you need to make a larger purchase, you might consider a business equity line, which is suited to businesses that might need a cash injection on a very occasional basis. This form of business finance is likely to require security.

If you know how much you need to borrow, you might consider a business fixed rate loan, which gives you the certainty of fixed month payments. But if your cash flow is volatile you might opt for a business variable loan, as you may be able to reduce repayments if needed.

What you'll need

To be eligible for business finance, you’ll need to demonstrate a history of financial performance, including evidence of solid cash flow and the ability to manage expenses and liabilities.

The sheer variety of loans can be overwhelming, but your Mortgage Choice expert can help you navigate through the various options to find the one that’s right for you.

Hear from our customers

"Our Mortgage Choice broker was fantastic – absolutely brilliant. He was very creative in solving financial problems and he handled all the paperwork on our behalf. Our broker secured a business purchase loan and short term finance for the equipment we needed. I knew Mortgage Choice were very good when it came to home loans but I was really impressed with the skill and knowledge our broker had when it came to business finance. I would absolutely recommend Mortgage Choice to business owners looking for asset finance options."


Ross Berry - Business owner

"Mortgage Choice was able to secure a discounted rate for my car loan, which matched the rate offered by the dealer, and my broker kept me in the loop at every stage. I do a lot of driving as part of the business, and the new vehicle is both comfortable and very fuel efficient. These days, a day in the car is a pleasant experience and certainly a lot more economical.
My Mortgage Choice broker and I are more like old friends now, and I certainly recommend their asset finance service to anyone running their own business."

Mark Schneider - Car buyer

Things can change quickly in the market.

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