Commercial & Business Loan

At Oracle Ezy Finance, we help businesses access the right funding to grow, expand or invest in commercial property. Whether you’re a startup, small business, or established company, we can guide you through two main types of business loans:

Secured Business Loans:

A secured business loan is backed by an asset such as property, equipment or other business assets. This security allows lenders to offer lower interest rates and larger borrowing amounts.

Benefits:

Lower interest rates compared to unsecured loans
Higher loan amounts available, based on asset value
Longer repayment terms

Things to consider:

If the loan cannot be repaid, the lender may sell the secured asset to recover their funds
Some lenders may also require a director’s guarantee, making you personally liable if your business defaults

Unsecured Business Loans:

Unsecured business loans don’t require an asset as security. Instead, approval depends largely on your business’s financial health and often includes a director’s guarantee.

Benefits:

No assets required as collateral
Faster approval process
Flexible for smaller, short-term funding needs

Things to consider:

Higher interest rates compared to secured loans
Smaller borrowing limits (usually up to $250,000 for small businesses)
Shorter loan terms

Comparison at a Glance:

Feature	Secured Business Loans	Unsecured Business Loans
Collateral	Business or personal assets required	No asset required (may need director’s guarantee)
Interest Rates	Lower	Higher
Loan Amount	Based on asset value	Generally smaller (up to $250K)
Approval Time	Slower	Faster
Loan Term	Longer	Shorter

Commercial Property Loans:

Beyond business loans, we also help clients purchase commercial properties such as warehouses, retail shops and office spaces. With access to a wide network of lenders, we can customise the loan solutions based on your financial situation and the type of property you wish to buy.

Book a consultation with Oracle Ezy Finance today

Oracle Ezy Finance is your trusted mortgage broker in Epping and nearby suburbs helping individuals, families and businesses secure the right home loans, investment loans, commercial finance and personal loans with ease. We make lending simple, transparent and stress-free