Understanding Commercial Finance

Commercial finance plays a crucial role in supporting Australian businesses by providing the necessary funds for growth, investment, and cash flow management. Whether you are a startup, SME, or a large corporation, accessing the right type of commercial finance is essential for sustainability and expansion.

Types of Commercial Finance

1. Business Lending & Working Capital Solutions

Strong cash flow is the backbone of every successful business. At Chadwick Finance, we connect you with a range of tailored business lending solutions designed to boost liquidity and support daily operations. Whether you’re seeking short-term working capital, a flexible line of credit, or unsecured funding to cover operational expenses, we work with a network of trusted lenders to structure finance that keeps your business moving forward.

Key benefits:

• Fast access to funds

• Flexible repayment terms

• Solutions for SMEs and larger enterprises

2. Commercial Property Finance

Whether you're purchasing your first commercial premises, refinancing an existing facility, or expanding your property portfolio, Chadwick Finance can help you access commercial property finance aligned with your long-term investment strategy.

We work with both owner-occupiers and investors to source funding for a wide range of property types—from office and retail spaces to industrial and mixed-use developments.

Finance options include:

• Acquisition funding

• Refinance for better terms or equity release

• Tailored structures for complex transactions

3. Development & Construction Funding

Property developers and builders require dependable funding to bring projects to life. Chadwick Finance provides end-to-end development and construction finance solutions—from land acquisition through to project completion.

We understand the intricacies of project staging, cost overruns, and pre-sale requirements, and we work with a network of lenders to deliver structured funding that matches your timeline and project scope.

Solutions include:

• Senior debt and mezzanine finance

• Construction loans for residential, commercial, and mixed-use projects

• Pre-sales and non-recourse funding strategies

4. Business Acquisition Finance

Looking to acquire an existing business or buy out a partner? Chadwick Finance works with a wide network of lenders to help you secure funding for strategic business acquisitions. Whether you’re purchasing a competitor, entering a new market, or taking over a franchise, we can help structure finance solutions that align with your commercial goals and support a smooth transition.

Our team understands the complexity of acquisition deals—from valuations and due diligence to deal structuring and settlement. We work closely with you and your advisors to secure the right mix of funding, so you can move forward with confidence and speed.

Finance options include:

• Full or partial acquisition funding

• Management buyouts (MBOs) and partner buy-ins

• Funding for goodwill, stock, and working capital

• Structured repayments aligned with business cash flow

How Chadwick Finance Can Help

Chadwick Finance is a trusted finance brokerage firm that specializes in commercial finance solutions tailored to Australian businesses. With a deep understanding of the financial landscape, Chadwick Finance assists businesses in finding the most suitable funding options by:

• Providing expert guidance on various commercial finance products

• Comparing loan offers from multiple lenders to secure the best terms

• Streamlining the application process to save time and effort

• Ensuring compliance with Australian financial regulations

• Offering personalized financial solutions that align with business goals

By working with Chadwick Finance, businesses can access a wide range of financial solutions with expert advice, helping them navigate commercial finance challenges effectively.

Choosing the Right Commercial Finance Solution

When selecting a commercial finance option, businesses should consider factors such as:

• Loan amount and repayment terms

• Interest rates and associated fees

• Lender reputation and regulatory compliance

• Business cash flow and financial health

• Purpose of the financing

Navigating commercial finance requires careful planning and a clear understanding of available options. By working with reputable lenders and seeking credit advice, businesses can secure the right funding solutions to drive growth and sustainability. Chadwick Finance is here to help businesses find the best financial solutions, ensuring long-term success and stability.