QCS is Backing Queensland Business

Secure Funding for Small & Medium Enterprise and Start-ups with QCS

Queensland Capital Solutions, your trusted brokerage firm based on the Sunshine Coast, specialising in business finance for the SME market. Whether you’re a small or medium business owner or an aspiring entrepreneur with a start-up idea, we’re here to help you secure the funding you need to fuel your business’s growth and success. With our expertise in SME business finance, start-up business loans, business financing, and commercial property finance we can guide you through the process and provide you with the tools and resources to make informed decisions.

Business Finance

What is Small Business Finance?

Commercial Property Finance

Financing is crucial for small and medium businesses as it provides the necessary capital for start-up, expansion, and day-to-day operations. It enables businesses to manage cash flow, invest in growth strategies, adopt new technologies, bridge financial gaps, build credit history, and seize opportunities. Small businesses may struggle to grow, complete, or navigate unexpected challenges without suitable financing.

Commercial

Commercial Property Finance

Looking to invest in commercial properties and unlock opportunities in real estate? Queensland Capital Solutions offers a range of commercial loans and commercial property finance options. Whether you are purchasing, refinancing, or developing commercial properties, our team can guide you through the process, providing tailored financing solutions to get the deal done.

Acquiring or refinancing commercial properties requires specialised financing solutions, and our team at QCS are here to assist you. We offer competitive rates, flexible terms, and structured advice on commercial property transactions.

Leverage our extensive network of lenders in-depth market knowledge and industry partners to achieve your goals in this specialised property segment.

Investing in Commercial Property

Investing in commercial property as an investor follows a similar path to residential property, but it comes with some notable distinctions that require investor awareness.

On one hand, a commercial property can yield ongoing rent from the lessee, as well as potential long-term capital growth. However, there are differences to consider.

When purchasing a commercial property, it’s crucial to factor in possible Goods and Services Tax (GST), which constitutes 10% of the purchase price and impacts your buying budget.

On the positive side, commercial leases tend to be lengthier, often lasting a minimum of three to five years and may include additional options to extend. Unlike residential property, commercial property owners will usually pass on the ongoing running costs to the tenant under the lease agreement.

Nevertheless, commercial property carries higher investment risk compared to residential property. While rent returns can be rewarding, longer vacancy periods may occur on some commercial stock making it extremely important you select the right type of commercial property.

Selling commercial properties can be more challenging due to a smaller pool of buyers, especially for specialised properties so it pays to seek advice and do your Due Diligence.

Commercial property’s performance can largely hinge on the local economy’s strength, making it essential to invest in areas with diverse economies and opt for buildings appealing to a broad range of businesses. Assessing cash flow and readiness to handle vacancy periods can also mitigate risks.

To secure a favourable deal, professional support is vital. QCS can discuss various finance options and loan strategies, including owning commercial property through a self-managed super fund. Our team is here to guide you through the complexities of commercial property investment and help you make informed decisions for a successful venture. Contact QCS today to explore your commercial property investment opportunities.

Purchasing Commercial Property for your Business

Purchasing commercial property for your business premises offers numerous benefits, providing your customers with a strong association with your venture and long-term security. While leasing may seem more affordable initially, owning your premises ensures stability and potential for future growth. At QCS, we offer various avenues to achieve this goal.

Ensuring your purchasing Structure is established correctly is an important first step.

Will the purchase be through a newly established holding entity or possibly an SMSF?

Holding the property within a self-managed super fund allows you to benefit from the capital appreciation of the property while your business leases the premises from you. This way, you build personal wealth and offer your business long-term access to the property.

Considering your exit strategy when you sell the business is also important if you’re thinking of holding the property within the SMSF environment.

Navigating the complexities of commercial property finance requires expert advice. Queensland Capital Solutions is here to help. As experienced finance brokers, we understand the intricacies of commercial property financing and can guide you through the various financing options and lender requirements. We work closely with your accountant to find the optimal solution for your unique situation. With first-hand knowledge of running small businesses, we offer valuable insights to ensure a successful loan application process. QCS is your reliable partner in achieving your commercial property ownership goals. Contact us today for expert advice and personalised solutions.

Home Loans2

Commercial Bridging Finance

At QCS, we specialise in providing tailored commercial bridging finance solutions to meet your immediate funding needs. Whether you are acquiring a new commercial property, refinancing existing debt, or require quick access to funds for your business, our team of experts is here to bridge the financial gap.

What is Commercial bridging finance?

Commercial bridging finance is a short-term financing solution designed to bridge the funding gap in commercial transactions. It provides quick access to capital, allowing businesses and investors to secure commercial properties or meet urgent financial needs without waiting for traditional, longer-term financing options.

Commercial bridging finance is often used in situations where speed is crucial, such as:

Property Acquisitions: When purchasing a commercial property, there may be a delay in securing conventional financing. Bridging finance allows buyers to proceed with the acquisition and bridge the gap until long-term funding is obtained.

Auction Purchases: Bridging finance enables buyers to participate confidently in property auctions, providing immediate access to funds for a successful bid.

Refinancing: Businesses or property owners may use bridging finance to refinance existing debt while awaiting permanent financing or to unlock equity in their assets.

Working Capital Needs: Businesses facing short-term cash flow challenges or opportunities may use bridging finance to cover expenses or invest in growth initiatives.

Typical Terms for QCS Business Bridging Loans

At QCS, we offer commercial bridging loans with flexible terms to suit the diverse needs of businesses. While specific terms may vary among lenders, the general features of a commercial bridge loan include:

Loan to Value Ratio (LVR): Borrowers can typically access up to 70% of the property’s value through a commercial bridging loan.

Monthly Interest Payments: Interest is usually Capitalised to the loan or charged monthly, allowing businesses to manage their cash flow efficiently.

Loan Duration: The loan term for commercial bridging finance is usually capped at 12 months, although some lenders may extend it to 24 or 36 months.

Acceptance of Adverse Credit: QCS considers the property or asset used to secure the loan as the primary factor, making adverse credit situations more acceptable.

Early Repayment Flexibility: Borrowers have the option to repay the loan early without incurring any early repayment fees with some lenders.

Nationwide Availability: QCS provides commercial bridging loans throughout Australia, catering to businesses across the country.

Semi-Commercial Property Eligibility: QCS accepts semi-commercial properties as collateral for bridging loans, expanding the scope for borrowers.

Difference Between Commercial Bridge Loans and Commercial Mortgages

Commercial bridge loans differ from commercial mortgages in terms of duration and speed. While a commercial mortgage may extend over a 15 or 30 year term, the loan term for a commercial bridge loan is limited to 12-24 months, ensuring a quicker financing process or 1-5 days.

To qualify for a bridge loan, businesses must present a clear exit strategy and demonstrate the ability to repay the loan within the short term. On the other hand, commercial mortgages require borrowers to show their capacity to repay a smaller amount over a more extended period.

Commercial Bridge Loan for Property Development

For property development projects requiring significant capital, a commercial bridging loan can be an ideal financing solution. Property developers looking to purchase or renovate commercial properties may find it easier to access bridging finance than conventional mortgages, as bridge lenders are more accustomed to taking on risk.

Once the renovation is complete, property developers can switch to a commercial mortgage if they plan to lease or sell the property, using the proceeds to repay the bridge loan.

At QCS, we offer a range of commercial bridging loan solutions to meet the unique financing needs of businesses. Whether you need funds for property development or require quick access to capital, our experienced team is here to guide you through the process and find the right solution for your business. Contact us today to explore the possibilities of QCS commercial bridging finance

Types of Business Loans

Term Loans

A term loan is a type of loan that is borrowed for a specific period, known as the loan term. It involves borrowing a fixed amount of money from a lender, which is then repaid with interest over the agreed-upon term through regular instalments of principal and interest or Interest only options.

The Term can depend on a number of factors such as.

Security

Purpose of funds

Serviceability

Term of lease

Risk factors

Business trading conditions

Marine Finance

Lease Doc Lending

Lease Doc lending is Commercial Properties best kept secret. It allows the purchase of a commercial property to be achieved using only the current lease for servicing. The lease must meet the lenders conditions and specialised servicing to pass. QCS works with a number of funding partners to find our clients solutions in this space.

ALT Doc Commercial Lending

This streamlined process of servicing aids commercial clients when they may not have their most recent financials completed.

Servicing is completed by reviewing the business BAS, account statements or with the assistance from their accountant to confirm current trading figures and expenses.

Talking to QCS will help you assess if this is a viable option for your business finance requirements.

Security

Unsecured Loans:

Unsecured business loan is a type of loan where you obtain money without having to offer collateral or assets as a guarantee. Instead, the loan approval is typically based on the borrower’s creditworthiness, business financials, lease terms and income. Unsecured business loans often have higher interest rates compared to secured loans, as they pose a higher risk to the lender.

Secured Loans:

A secured business loan requires the borrower to provide collateral or assets as security for the loan. The collateral can include various assets such as residential or commercial properties, vehicles, equipment, inventory, or savings.

Standard terms offered based on security.
✔ Residential Property 30 years
✔ Commercial property 15- 30 years
✔ Asset – 5 years

Presenting collateral assures the lender that you will repay the loan. Secured business loans are commonly used by businesses to fund expansions, purchase assets, or meet working capital needs.

Cash Flow

A line of credit is a pool of funds that offers the flexibility to borrow and repay as needed. It allows you to withdraw funds and make repayments based on your requirements. Interest is charged solely on the amount of money you utilise from the available credit, rather than the total credit limit. This means you only pay interest on the actual borrowed amount. A line of credit provides convenience and control, allowing you to access funds when necessary and manage your repayment amounts according to your financial situation.

Security

Lines of credit can be either secured or unsecured. Unsecured lines of credit typically involve smaller credit limits and higher interest rates.

Overdraft

An overdraft is a versatile financial option that allows businesses to access funds on demand. It proves especially beneficial for businesses with fluctuating cash flow needs.

Once approved, an overdraft operates as a revolving line of credit, enabling the business to withdraw funds as required without the need for repeated approval processes. Business overdrafts are available in both secured and unsecured forms.

  • Business Overdrafts
  • Business line of Credit
  • Debtor finance
  • Trade finance
  • Cash flow lending

Development Finance

At QCS, we offer custom-tailored development finance solutions designed to empower your real estate development projects. Whether you’re a seasoned developer or just embarking on your journey in the industry, our team of finance experts is dedicated to transforming your visions into reality.

Our expertise spans across various development types, including residential land subdivisions, commercial office spaces, retail centres, industrial properties, and specialised assets such as childcare facilities, service stations, and medical centres. From the initial land purchase and approval costs to progressive drawdowns during different project stages, our experienced financial experts will be there to support you every step of the way.

At QCS, we understand that each development project is unique, and financing requirements can vary. That’s why we take the time to understand your specific needs, market dynamics, and financial goals to create tailored financing solutions that align with your development vision.

Our vast network of property development finance lenders allows us to find flexible financing options suitable for both straightforward and complex projects. With QCS as your partner, you can rest assured that you’ll have access to the best financing solutions to fuel your property development venture.

Let our expert team guide you through the process of securing the ideal financing solutions for your real estate development projects. Unlock the full potential of your ventures with QCS development finance by your side.

Development Finance

Private Lending

Facing rejections from major banks and even second-tier and specialist lenders for your financing needs? Don’t worry; QCS has a viable solution for you. Private Lending involves borrowing money from non-traditional lenders, often wealthy individuals, or companies with surplus cash from their primary business seeking higher returns on their excess funds. Private lenders can offer flexible financing solutions tailored to your unique requirements when traditional avenues have fallen short.

At QCS, we connect you with private lenders who understand your financial situation and are willing to provide the capital you need for your projects or investments. Our private lending options offer faster access to funds, catering to time-sensitive opportunities or urgent financial needs that may not fit conventional lending criteria. Embrace the power of Private Lending with QCS by your side, where we tailor solutions to match your objectives and secure your financial success.

Our Private Finance Services:

✔ Short-Term Loans: Need funds quickly for a specific project or investment? QCS can connect you with private lenders offering short-term financing solutions.

✔ Real Estate Development: Whether you’re a property developer or investor, our private finance options can help fuel your real estate projects and capitalise on opportunities.

✔ Business Expansion: Access the capital you need to grow your business, fund new ventures, or manage cash flow challenges through our private finance solutions.

Unlock the Power of Private Finance with QCS:

At QCS, we understand that each financial situation is unique, and that’s why we are dedicated to delivering tailored private finance solutions that meet your objectives. Our team of experienced finance experts is here to guide you through the process, ensuring a seamless experience from start to finish.

Discover the possibilities of private finance with QCS by your side. Contact us today for a confidential consultation and let our expertise work for you. Your financial goals are within reach with QCS Private Finance.

How to get a Business Loan?

Contact Us:

Reach out to QCS, the finance broker, to initiate the process. Provide them with information about your business and financing needs.

Consultation & Assessment:

QCS will review your financial situation, business plans, and documents to assess your loan eligibility. You may be asked for additional information or clarification if needed. If we are satisfied that we can assist you with your lending needs a letter of engagement is issued before we proceed.

Loan Options & Recommendations:

Based on our assessment, QCS will present you with suitable loan options from various lenders along with their terms and conditions. They may provide recommendations based on your specific needs and circumstances.

Application Submission:

Once you have chosen a loan option, QCS will prepare and submit the loan application to the selected lender. They will ensure that all required documentation is complete.

Negotiation & Approval:

QCS will communicate and negotiate with the lender on your behalf to secure the most favourable loan terms. They will keep you informed about the progress and any additional requirements from the lender.

Loan Closing:

Once the loan is approved, QCS will guide you through the loan closing process, which involves signing the loan agreement and fulfilling any final conditions set by the lender.

At Queensland Capital Solutions, we specialise in small business finance and are committed to being your trusted brokerage firm Backing Queensland Business. Whether you’re a small or medium business owner or an aspiring entrepreneur, we’re here to help you secure the funding you need for your business’s growth and success. Our range of business loan options, including start-up business loans, commercial property loans, and business financing, can provide the capital you require. With our expertise, personalised service, and network of lenders, we guide you through the loan application process, ensuring you have the tools and resources to make informed decisions. Contact QCS today to get started on your business finance journey.

FAQ

How much can I borrow for an overdraft?

The borrowing range for our overdraft facility extends from $5,000 to $1,000,000, depending on various factors such as property ownership and creditworthiness. These criteria play a significant role in determining the specific borrowing limit available to each customer.

What are the criteria for qualifying for a business loan?

Eligibility requirements for a business loan can vary depending on the lender, loan type, and specific circumstances. While I can provide a general overview, it’s important to note that each lender may have their own specific criteria.

Here are some common eligibility requirements:

Character of the business owner

Capacity to repay

Capital your asset position.

Collateral being offered.

Credit worthiness of the sponsor.

Industry and risk assessment.

How do I apply for a business loan?

Step 1: Talking to our brokers is the first step and discussing your needs and objectives. To book a confidential appointment.

Step 2: Fill Out Application: Complete the online business loan application form provided by QCS. Provide necessary details such as personal and business information including any supporting documents requested.

Step 3: Review Process: QCS will review your application and supporting documents and come back to you with a funding proposal and a letter of engagement to sign before proceeding to application stage.

Step 4: Approval Process: At application stage we prepare applications and finalise supporting documents before submitting to the selected funder.

Step 5: Indictive and Formal approval. Lenders will generally issue a conditional or indictive approval prior to formal approval of your loan. Once the conditions have been met formal approval is granted and loan documents are generated.

Step 6: Fund Disbursement: Upon approval and completion of all required documentation, the lender will arrange for the release of funds or settlement depending on the transaction.

Tips to expedite your business loan approval with QCS:

✔Promptly Respond: Be responsive and timely in providing any requested information or documentation to QCS as this will make the approval process faster.

✔Prepare Documentation: Ensure all necessary business and personal documentation is ready before applying for the loan. This will save time and facilitate a smooth process.

✔Confirm Eligibility: Before applying, carefully review QCS’s eligibility criteria to avoid any unnecessary disappointments and ensure your time is well spent.

At QCS, we specialise in providing business loans to companies of all sizes and across various industries. For more information on how to apply for a business loan, feel free tocontact our team or book an appointment today.

Can a startup qualify for a business loan?

Yes, start-ups can qualify for business loans. While traditional lenders may have stringent criteria, alternative lenders and government-backed programs often offer start-ups friendly financing options. Demonstrating a solid business plan, financial projections, and a clear repayment strategy can enhance a start-up’s eligibility for a business loan.

What types of collateral are accepted for securing a business loan?

Collateral for a business loan can include

  • real estate
  • equipment
  • inventory
  • or, personal assets

However, some lenders also offer unsecured loans, relying on the business’s creditworthiness and financial health.

Can I use a business loan for any purpose?

In many cases, yes. Business loans are versatile and can be used for various purposes such as working capital, expansion, equipment purchase, or debt consolidation. The specific usage often depends on the terms negotiated with the lender.

Get in touch with us

At QCS we understand the importance of being flexible so we give you the power to set your own appointment time. Monday to Saturday from 7am to 7pm.

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