Judge Lending · Commercial and asset finance
Commercial property and asset finance for your business
Finance for business premises, vehicles, equipment and fit-outs, arranged with lenders who understand small business. Because Judge Lending works alongside your accountant, the structure, the GST and the tax treatment are sorted before you sign.
Commercial property
Offices, factories, warehouses and shops
Lenders who understand small business premises and how they’re valued, compared on rate, term, processing time and security.
The right structure first
Buy through the operating business, a family trust or your SMSF, following advice from your accountant about which suits you.
Business financials presented properly
Commercial lenders assess the business as much as the property. Your accountant can prepare the financials and forecasts they need.
Asset finance
Vehicles and trucks
Utes, vans, cars, trucks and trailers for the business.
Equipment and machinery
Plant, tools, medical and technical equipment, and technology upgrades.
Fit-outs
Shop, clinic and office fit-outs.
Short-term finance
Short-term business funding over 6 to 24 months for stock, cash flow or opportunities that won’t wait.
Chattel mortgages and leases, with terms from one to seven years for new purchases and a range of balloon options.
Important information
Judge Lending brokers are credit representatives of Mortgageport Management Pty Ltd, Australian Credit Licence 386360, through MAB Broker Services Pty Ltd ACN 616 236 527 trading as Mortgage Advice Bureau. [check: confirm licensee and ACL are current, and add Judge Lending’s entity name and each broker’s credit representative number]
The information on this page is general and doesn’t take into account your objectives, financial situation or needs. All loans are subject to the lender’s terms, conditions and lending criteria. Fees and charges apply. Judge Lending works alongside Judge Accountants; tax advice is provided by Judge Accountants, registered tax agent 24767487.
Frequently asked questions
Chattel mortgage or lease?
With a chattel mortgage your business owns the asset from day one, and if you’re registered for GST you can generally claim the GST on the purchase price in your next BAS, plus depreciation and interest. With a lease the financier owns the asset and the lease payments are generally deductible. Which is better depends on your cash flow and tax position, and your accountant can tell you.
What terms are available?
Asset finance for new purchases is typically available over one to seven years, with a range of balloon options to lower the regular repayments. Short-term business finance is available over 6 to 24 months.
How much deposit do I need for a commercial property?
Commercial lenders generally lend a lower percentage of the property’s value than residential lenders, so expect to contribute more. The amount depends on the property type, your business’s financials and the lender.
Should the business, a trust or my SMSF buy the premises?
Each has different tax, asset protection and succession consequences. Your accountant can advise on the right structure, and we arrange the finance once it’s decided.
Ready to talk?
Book a free consultation of up to an hour, in the office or by video, or just call.