Business Loans

Fund your property, equipment or business purchase with a Business Loan

At Sum Finance, we understand that every business journey is unique. Whether you're an everyday Australian entrepreneur or a high net worth individual, accessing the right Business Loan options is crucial for achieving your goals. Our mission is to simplify this process and provide you with the best choices from banks and lenders across Australia. Whether you need to bolster cash flow, expand your operations, or purchase a property, we are here to guide you through the lending landscape with expertise and personalised service.

When considering Business Loan options, it's important to understand the variety available and how they can cater to your specific needs. A secured Business Loan might be suitable if you have collateral to offer, potentially resulting in a lower interest rate. On the other hand, an unsecured Business Loan could be the right choice if you prefer not to pledge assets. Each option comes with its own loan structure and interest rate considerations, including variable and fixed interest rates, allowing you to select terms that best fit your financial strategy.

Accessing the right loan amount is vital for managing your working capital effectively. Whether you are looking to purchase equipment, buy a business, or cover unexpected expenses, Sum Finance can help streamline the application process. We provide flexible loan terms and repayment options tailored to your business's cash flow needs. Options like a revolving line of credit or progressive drawdown can offer additional flexibility, ensuring funds are available when necessary without incurring unnecessary interest.

Understanding the nuances of applying for a business loan can significantly impact your success. A thorough grasp of the application process is essential, from preparing necessary documentation to understanding the implications of your chosen loan structure. Our team at Sum Finance is dedicated to supporting you every step of the way, offering insights into flexible repayment options and the benefits of features such as redraw facilities.

For those considering investments, whether buying a business or acquiring property, having access to suitable Business Loan options is essential. The right loan can not only fuel growth but also provide peace of mind with features like a variable interest rate or fixed interest rate, depending on what suits your risk profile. Additionally, knowing whether you could benefit from secured or unsecured loan structures will depend on your current assets and future plans.

Sum Finance is committed to helping you find the best loan solutions tailored to your circumstances. Our experienced advisors are ready to assist you in selecting the most advantageous Business Loan options from banks and lenders across Australia. We believe in offering a personalised service that aligns with your business ambitions and financial realities.

Our goal is to empower you with the knowledge and tools needed to make informed decisions about your financial future. Whether you're looking to improve cash flow, purchase equipment, or explore flexible loan terms, Sum Finance is here to support you. Contact us today to discuss how we can help you access the right Business Loan options and set your business on a path to success.

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Getting a Business Loan

Initial Consult

Have a chat with one of our qualified Brokers who will understand your situation and talk you through the next steps.

Fact Find

We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a Business Loan.

Approval

We'll work to find an appropriate lender for your loan, taking into account your situation and loan type. We'll then handle the paperwork to get your Business Loan approved.

Book Appointment

Our Latest Reviews

Faith Wignall

Richard was very helpful with promptly gathering the options to suit our budget at every step of the purchasing process. From initial discussions, to pre-approval, to purchasing, we were presented with the most competitive lending options that suited our evolving financial needs. This allowed us to feel confident knowing our finances were in order, to focus on the property search. Once we found the property that met our family's needs, we were able to move quickly to purchase. We managed to secure it at a lower price, so due to the lower borrowing requirement, Richard presented an even better loan option more favourable to our situation. Richard offered measured guidance, he listened to our needs and was prompt and efficient, while remaining calm and approachable, which put us at ease through the whole potentially daunting, process. We are grateful for Richards expertise, guidance and swift action to get us set up on our home owning journey.

Sam Horwitz

Richard was professional, efficient, and effective throughout the entire process. From our first conversation, I immediately felt confident in his expertise and trusted his advice. He guided me through every step of purchasing my first property, making even the most complex loan terms easy to understand. I truly couldn't recommend Richard's services more highly.

Charmayne

Richard was fantastic to deal with. He was readily available to answer my questions as they arose and turned around my approval in a matter of days. I would highly recommend Mantis Finance!

Maria K

Richard was very helpful throughout the process. I feel he took so much of the pain out of refinancing, finding and securing a good deal, as well as making the transition feel seamless. Thank you!

Jena Hastie

Great attention to detail in making sure we got the most suitable mortgage for our situation. Richard was extremely efficient and friendly!

Krowie

Financial services guidance generally by experience, is a HIT and MISS scenario ! In Richard we found an absolute HIT. Approachable and patient, learned and wise. A definite 5 star review. Great work Richard.

We work with Australia's biggest lenders

Frequently Asked Questions

Can you help with refinancing an existing Mortgage?

Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.

Can you only help with Home Loans?

We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.

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Level 9, 151 Macquarie Street Sydney 2000

0425260540

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COHEN FINANCE SERVICES PTY LTD ABN: 88 668 072 857. Credit Representative #564385 is authorised under Australian Credit License #389328

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.