Commercial & Investment

Commercial Property Loans

PFS will assist commercial property purchasers to navigate the challenges of commercial finance.  If you are an owner occupier it is important to leverage equity to the most efficient and appropriate level.  A PFS broker will be able to advise you of the different features of each lenders offerings and help you select a suitable mortgage produce, taking into account the features you require.

Loan products are available from a selection of lenders to account for individual requirements.  Some property investors will seek short to medium term funding, say 2 to 5 years, while others will require a longer term "set and forget" facility for 25 years, where the intention is to hold the property indefinitely.  Competitive and flexible funding solutions can be delivered to our clients, tailored to individual circumstances.



Commercial Investment Loans

As it does for owner occupiers, PFS will tailor investment loans to suit the requirements of individual investors.  As a result of excellent working relationships with a broad range of lenders, PFS is able to secure suitable loan products for its investor clients from small loans for single premises to significant size commercial and industrial properties.  While many lenders will offer a facility up to 65% of purchase price or valuation, whichever the lower, PFS brokers have access to several lenders who will offer a higher LVR, up to 75% in some circumstances.

Whatever your investment finance needs we can offer solutions to suit the circumstances.  We can arrange funding for:

  • Shops
  • Offices
  • Factories
  • Hotels & Motels
  • Metropolitan & Regional investments


Commercial Low Doc Loans

Low documentation loans are available for businesses and investors.  If you are unable to provide the usual tax returns, group certificates or tax assessments then a range of option is available to establish your ability to repay the loan.  Some lenders will assess your service capacity using "alternative documentation" which could include BAS statements, bank account statements, rental income statements or other evidence, sometimes supported by an Accountant's declaration.



Business Finance

Seeking finance to purchase a business?  Speak to a PFS broker to discover how we might be able to assist.  Generally real estate security is required but in some cases the business may be considered to be adequate security, for example Licensed hotel leaseholds.  A variety of loan products are available which may be useful to your requirements, including:

  • Term loans
  • Bank Bills
  • Chattel Mortgages and Leasing
  • Overdraft facilities
  • Franchise finance


Line of Credit

Lines of credit facilities are often used to cover seasonal fluctuations in business capital requirements.  A line of credit can be a facility secured against real property, which will attract the most attractive rates, or in some cases secured against debtors invoices or inventory.  A line of credit, either secured by mortgage of debtors invoices, can be a valuable tool for business owners, helping to smooth out the peaks and troughs of business cash flow. Funds can be available when required for immediate stock purchases, securing additional contracts or other seasonal needs and taking advantage of short term opportunities.


Asset Finance & Leasing

PFS can arrange finance for all types of assets, from motor vehicles, office fit-out and computers to heavy mining and engineering equipment.  Hire purchase or leasing finance can be structured to suit the needs of the applicant when seasonal factors apply, such as in primary production.  Finance may be available for a wide range or assets, including:

  • Motor Vehicles
  • Heavy Transport & Trailers
  • Earthmoving Equipment
  • Aircraft
  • Restaurant & Catering Equipment
  • Shop fittings
  • Computers, and
  • Many other items