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Business Loans

Unlock Your Business Potential with Flexible Financing

At Excel Financial Solutions, we understand every business is unique, and so are its financial goals and needs. Therefore, we provide you with personalised business loan solutions that fit your circumstances. As business loan brokers, we have ties with leading financial institutions and offer a wide range of business loan products to choose from.

Manage, Grow, or Diversify Your Business with Our Loan Solutions

We offer tailored business loans to all, be it a start-up or established business entity. We help you secure finance for various business purposes like investment, expansion, cash flow, or purchase of assets. As business loan brokers, we guide you throughout the loan process, ensuring quick application time, best interest rates, and transparent terms.

Types of Business Loans We Offer

We offer our clients strategic direction and tailored accounting services to help them take their businesses to the next level.
Outsourcing your accounting services to us allows you to streamline your financial processes to increase efficiency.
  • Secured Business Loans
    You can get a secured business loan by pledging assets as collateral against the loan. You can keep tangible assets like the property, vehicle, savings fund, inventory, or even the business as collateral. As business loan brokers, we offer higher loan amounts at lower interest rates since the asset acts as a guarantee.
  • Unsecured Business Loans
    Our unsecured loans are a fast and flexible way to meet your short-term fund requirements. They are ideal if you need a smaller amount to cover your short-term needs. Although you don’t require collateral to get these loans, they usually attract higher interest rates. As business loan brokers, we offer unsecured business loans suitable for businesses without significant assets.
  • Line of Credit
    It gives you access to funds when you need them most. As business loan brokers, we offer a line of credit to business borrowers to help them improve cash flow. You repay the loan and can still redraw funds up to your approved limit. Our line of credit greatly benefits businesses as they have to pay only for what they use.
  • Chattel Mortgage
    As business loan brokers, we offer chattel mortgages to help you fund the purchase of a vehicle, asset, or business equipment and accept them as collateral for the loan. You retain the ownership of the asset, but the lender will have the title till the loan is repaid. After you repay the loan, you will be given the title.
  • Commercial Hire Purchase
    Under this agreement, the lender will purchase the asset on your behalf, and you will pay off the debt in instalments. The lender will transfer the ownership of the asset to you at the end of the agreement.
  • Finance Lease In it, the financial institution purchases the asset on your behalf and rents it to your business for an agreed-upon period. The lender also allows you to purchase the asset at the end of the lease tenure.
  • Operating Lease
    Under this agreement, the lender will purchase the asset on your behalf and rent it to your business for an agreed time. However, you can not buy the asset at the end of the lease.

Features of Our Business Loans

Each business loan has a different set of features. However, some of the most common features are given below.
Please contact our business loan brokers to find out what features are available on your chosen type of loan.
  1. Additional Repayments
    You can make extra repayments in addition to your regular scheduled instalments. This helps you save interest over the life of your loan and pay off your debt faster.
  2. Lump Sum Payments
    This feature lets you repay a part of your loan in a lump sum payment. This helps you repay your loan faster and save interest.
  3. Redraw Facility
    As business loan brokers, we offer loans with a redraw facility. It allows you to withdraw any additional repayments you have made in addition to the regular instalment. The redraw facility lets you pay more when you have extra funds and redraw the money later if needed.
  4. Split Loan Facility
    You can split your business loan into two parts, one with a fixed interest rate and the other with a variable interest rate. The splitting of the loan lets you take advantage of the benefits of both fixed and variable business loans.
How Can Excel Financial Solutions Help You?

We are business loan brokers committed to assisting you in getting a business loan swiftly and hassle-free. We ensure you get access to the right loan at the best possible terms and interest rates. We negotiate with lenders on your behalf to help you get affordable business loan products. As business loan brokers, we explain your loan criteria, features, and options to ensure the loan aligns with your financial goals. We help you in borrowing money for all your business needs. Contact us to learn more about our business loan services.

FAQ's

A business loan is a way of securing finance for your business. You can use these funds for various business purposes. You must repay the borrowed money over the loan term along with interest and fees.
Your borrowing capacity depends on various factors. It includes the financial health of your business, creditworthiness, and revenue projections.
The collateral must reflect the value of your loan amount. You can keep property, assets, saving funds, or your business itself as a security against the loan.
There are various types of business loans available to small and medium enterprises. You can access secured and unsecured business loans, equipment finance, lines of credit, chattel mortgages, finance leases, operating leases, and commercial hire purchases.
Fixed interest rates help you manage the cash flow as your interest rate is locked during the fixed period. It gives you the certainty of repayments even if the cash rate increases or decreases. Fixed interest rates make it easier for you to budget. The variable interest rates may change over the life of the loan. If the interest rates decrease, you will have to pay less interest and vice-versa.
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