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Commercial Finance

Our team is experienced in this complex field and understand that every business is unique and so requires a tailored solution. As professional finance intermediaries we are able to assist with the purchase or construction of commercial premise enabling your business to grow with the security of owning the premises or so you can benefit from higher rental returns by being a commercial property land lord. For this reason it is important to have the right loan structure for your situation and to work towards achieving your goals.

Options include;

  • Interest-only or Principal & Interest loans
  • Variable or fixed rate loans
  • Split Loans
  • Full documentation loans
  • Lo doc loans (no financials required)
  • Construction loans

This specialised lending normally requires at least 30% deposit (or equity). Funding of this kind of property This specialised lending normally requires 30% deposit (or equity), however, the industry trend is slowly seeing the deposit requirements decreasing. Funding of this kind of property for investment generally requires the property to be securely leased. As lease income is a significant component of commercial lending, the quality of the tenant and lease conditions are of high importance.

Acceptable securities include;

  • Retail Shops and Shopping Centers
  • Wineries/ Vineyards and Farms
  • Factories, Warehouses and Showrooms
  • Medical & Professional Suites
  • Office Blocks & Commercial Suites
  • Restaurants
  • Residential Blocks of 6 or more
  • Freehold Caravan Parks
  • Hotels and Motels
  • Service Stations and Car yards
  • Heritage Buildings
  • CBD High-rise buildings
  • Freehold retirement Villages and Nursing homes

Developer Funding

Our team enjoys working with many property developers and often plays a vital role in the realisation of the developer's vision. Our expertise, contacts and large lender panel may be the difference between a property development being profitable or not.

Funding is available for a wide range of projects including;

  • Vacant land - residential and industrial estates
  • Gated community developments
  • Retail or commercial offices
  • Apartment or unit block
  • House and Land packages
  • Retirement villages and Resorts

The structure of finance will differ with projects and lenders and should take into account the following;

  • Competitive interest rates
  • Interest to be paid; in advance, in arrears, monthly or quarterly ect
  • Interest capitalisation
  • Loan term; 1, 3 or 5 years
  • Establishment fees and ongoing charges
  • Different lenders specialise in different styles of projects and have different criteria such as max LVR, information requirements (for example full documentation), marketing plans and pre sales

Lenders generally calculate the interest rate after careful assessment of the deal and the risk associated with the project, generally the main considerations are;

  • The Developer - Is the developer experienced? What is there overall financial position?
  • The Project - Will this development be profitable? Will the product sell in the current market?
  • Completion - Will the project get completed on time?, who is the contractors?
  • Exit - Will the development be pre sold?

We look forward to having the opportunity to assist with your next project.

Business Finance

Cme 4 Loans are specialists in tailoring financial solutions for business owners. We would welcome the opportunity to discuss your business with you.

Funding the initial purchase of a business is often made up of a client's savings and / or a loan. Lenders specialise in lending to certain types of business for example; Hotels, Real Estate, Agriculture or Franchises ect. Lenders will require security for their loans security is generally achieved by the lender taking a mortgage over a family home or in some cases, may use the business and or its assets for security as well.

Equipment Finance

Equipment Finance often referred to as leasing or asset finance. Prior to determining the most suitable structure for equipment finance, we will discuss the financial requirements of the business requirements with you and often your accountant. With both our client and their accountants to determine which finance structure will suit best. Includes the following products;

Commercial Hire Purchase

  • Title of ownership passes to the client once all payments are made however for asset depreciation and interest deducibility purposes the asset is effectively "owned" by the client
  • Deposits and / or trade-ins can be used to reduce the loan amount
  • Loan can be fully paid out (nil residual or balloon) or a residual balloon payment can be factored in to reduce the repayments
  • Generally doesn't suit clients accounting on a cash basis

Chattel Mortgage

  • Lender take security of the asset and the asset is owned by the client
  • Deposits and / or trade-ins can be used to reduce the loan amount
  • Loan can be fully paid out (nil residual or balloon) or a residual balloon payment can be factored in to reduce the repayments
  • Generally clients running on either accrual or cash accounting basis for GST can claim the full GST component when lodging next BAS

Finance Lease

  • True finance lease is rarely used as it is less flexible
  • The lender rents the asset to the client who has no title but accepts the residual value risk
  • The lender claims the impute deduction for GST. Therefore the loan amount is the GST exclusive price of the asset
  • Generally for asset depreciation and interest deductibility purposes the asset is owned by the lender and the client may treat the monthly rentals as a deductible expense with GST being charged and claimed on each monthly rental.

Novated Lease

  • Enables employees to salary-package their cars which can result in tax benefits
  • A novated lease is a three-way agreement between an employee (the client), their employer and the lender
  • The client signs a finance lease agreement, both the employee and employer sign a novation agreement under which the employer agrees to make the repayments out of the employee's salary
  • The credit risk is assessed on your client, not their employer
  • If the client ceases employment, the lease may be "re-novated" to another employer or the client may simply begin to make repayments directly to the lender
  • The exact benefit to the client must be independently calculated b a qualified financial advisor taking into consideration salary, overall tax position, car value, kilometres to be driven, FBT rates and tax rates.


Pre - approved facilities and large multi-asset facility limits are available Private sales can be accommodated under certain circumstances


Common requirements of all of the above products

  • Loan term of 12 to 60 months
  • Supplier / dealer invoice
  • Generally fixed interest rates for the term of the loan

Equipment finance is typically used to finance new and used:

  • Passenger cars for business use
  • Light and heavy commercial vehicles
  • Earthmoving and construction equipment
  • Manufacturing and industrial plant and machinery
  • Printing presses and graphic technology
  • Computers and office equipment (new is preferred)
  • Medical and dental equipment
  • Agricultural equipment and machinery
  • Mining vehicles and equipment

It is becoming more and more important to use a trustworthy firm to arrange your equipment finance as it is difficult to identify the best deal, without the proper tools. The application process is generally straight forward. You could be taking position on your new equipment within 48 hours. Please feel free to call our team any time to discuss your situation or next time you are looking for finance, to see if we can find you a better deal.

Debtor Finance or Factoring

Need to improve your business cash flow?

Debtor finance is used improve business cash flow and can be a helpful tool in a growing business. If you have a spread of reliable trade debtors your business may be able to access up to 85% of the value of their invoices within 48 hours, allowing your business to operate without the usual highs and lows of cash flow.

Debtor finance is a practical and cost effective alternative to release fund and ensure that your business will run smoothly. Having the funds available as they are needed reduces the impact of expensive overdrafts and creates opportunities to develop your business. Debtor finance is ideal for businesses experiencing high growth and is commonly used in the transport and engineering industries. This product is becoming increasingly popular and now being used in a wide variety of industries.