Finance for equipment, vehicles, cash flow and property. Structured to support your growth and protect your bottom line.
Services
Running a business in Adelaide comes with enough pressure — getting the right finance shouldn’t add more. Whether you’re upgrading equipment, unlocking equity or expanding your premises, our brokers help time‑poor professionals and small‑business owners access smarter lending solutions. At Propel, we broker commercial loans with a long‑term strategy, not just a rate.
Working Capital Loans
Short-term funding to keep your business moving. Whether you’re managing payroll, bridging a slow month or taking on a larger contract, we help Adelaide business owners access working capital without locking up long-term assets.
Equipment and Heavy Vehicle Finance
From shop fit-outs to forklifts, we finance the equipment your business depends on. We work across a panel of lenders to find the right structure, whether that’s a chattel mortgage, finance lease or commercial hire purchase, matched to your cash flow and tax position.
Commercial Property Loans
Buying your premises, investing in commercial real estate or expanding your footprint? We broker commercial property loans across Adelaide, from inner-city offices and retail sites through to industrial and warehouse properties.
Refinance and Debt Restructure
If your existing business loans are costing too much or sitting in the wrong structure, we can review and renegotiate. We regularly help Adelaide businesses reduce interest costs and improve cash flow through commercial refinancing.
Cash Flow and Invoice Financing
Outstanding invoices can lock up the capital you need to keep operating. Invoice finance lets you access funds tied up in receivables so your business keeps moving while clients settle their accounts.
Equity Release for Business Use
If you own property, residential or commercial, there may be equity available to fund your next move. We help business owners use existing assets purposefully without disrupting day-to-day operations.
We work with business owners across Adelaide’s eastern, southern and coastal suburbs. From Norwood and the CBD through to Seacliff, Glenelg, Brighton and the Hills, our team understand the local lending landscape and know which lenders are most likely to approve your type of deal.
Qualification depends on several factors including your business trading history, credit profile, financial performance, and use of security. Typically, lenders expect:
An active ABN and GST‑registered business (six to 12 months trading history, longer for major banks),
Consistent revenue and manageable debt levels,
A clean credit record, and
In many cases, suitable collateral (e.g. property, equipment or invoice finance).
Using a broker helps match your circumstances to the lender most likely to approve your loan
Yes — tapping into home equity through a secured loan, line of credit or cash-out refinance is a common and effective way to access capital in Australia. It can unlock lower interest rates, quicker access to funds and larger loan amounts than many unsecured options
But the real question is: “Should I use it?”
If you’re using equity to fund strategic growth—like buying business assets or expansion—it can make sense.
However like any major financial decision, it comes with risk. Your home becomes collateral, so consider whether you’ve built in a buffer to manage repayments if your business has delays or cash flow bumps.
A broker provides access to multiple lenders—including banks, non-bank, and specialist lenders—and advises on the best fit based on your goals and financial position. Banks offer limited products and stricter criteria. Brokers can often secure faster decisions, personalised structures, and may lower the rate via lender partnerships.
Approval timelines vary:
Online/non‑bank or equipment/invoice finance: often granted in 24–72 hours,
Traditional bank loans: may take several weeks, sometimes 1–4 weeks, depending on credit review and documentation.
Preparation (complete paperwork and clear financials) can significantly speed up the process
Usually: ABN/ACN details, BAS or financials, bank statements, and ID.
Some lenders accept alternative paperwork for smaller limits.
The terms are often used interchangeably. “Commercial loan” typically refers to larger, asset-backed lending such as commercial property, major equipment or business acquisition finance. “Business loan” tends to cover shorter-term or unsecured working capital products. In practice, both come from the same panel of lenders, and we work with them.
Yes, though lenders apply more scrutiny to newer businesses. Some non-bank lenders will consider businesses with six to twelve months of trading history, particularly where there is strong cash flow or security available. We know which lenders are most approachable for early-stage businesses and can structure an application accordingly.
Most commercial lenders require a 30 to 35 percent deposit, though some will lend up to 80 to 85 percent LVR depending on the property type and your business profile. Industrial and specialist-use properties may attract lower LVRs. We will review your position and identify the lender most likely to offer the right structure for your situation.
Book a free 15-min strategy call with a Propel commercial broker. Let’s make your next move possible.
“We were looking to expand our business and Deon made it all happen very easily and quickly. The loan structure met our needs perfectly.”
— Jodie B., small business client
