Commercial Loans

Yes, our relationship with clients extends well beyond loan settlement. ATS Finance Now provides ongoing portfolio reviews to ensure your financing structures continue to serve your evolving business and investment objectives. As your business grows or market conditions change, we assess opportunities for refinancing, restructuring existing loans, or accessing additional funding for new ventures. We monitor market developments and lender policy changes that may create opportunities to improve your financing terms or access new products. Our team maintains regular contact with established clients, providing strategic advice on timing for property acquisitions, business expansion financing, and portfolio optimisation strategies that align with your long-term wealth creation goals.

The timeline for finance approval depends on several factors, including the complexity of your financial structure, the type of financing required, and how quickly documentation can be assembled and verified. For straightforward investment property loans with well-documented income, approval can often be achieved within two to three weeks. More complex commercial transactions or loans involving multiple securities may require four to six weeks for complete approval and settlement. ATS Finance Now maintains strong relationships with lenders' credit departments, enabling us to expedite the assessment process and provide regular updates on application progress. We also pre-qualify clients where possible, identifying suitable lenders before formal application submission to minimise delays and improve approval certainty.

ATS Finance Now specialises in understanding the unique financial profiles of high net worth individuals and established business owners. Unlike traditional banks that often rely on rigid assessment criteria, we take a comprehensive approach to evaluating your financial position, including multiple income streams, business assets, and investment portfolios. Our expertise extends beyond standard lending products to structure sophisticated financing solutions that align with your business growth objectives and investment strategies. We maintain relationships with a diverse panel of lenders, including private funders and specialist commercial lenders, enabling us to present options that banks may not consider suitable for your circumstances.

ATS Finance Now arranges a comprehensive range of commercial lending solutions tailored to the needs of growing and established businesses. Our services include equipment finance for business expansion, commercial property acquisitions, business acquisition funding, and working capital facilities to support operational growth. We also specialise in development finance for clients undertaking property development projects and construction loans for both residential and commercial developments. Our lender relationships extend to private funders and specialist commercial lenders who can accommodate unique business circumstances that may fall outside traditional banking parameters. Each solution is structured to support your specific business objectives while maintaining flexibility for future growth opportunities.

Evaluating borrowing capacity for self-employed clients requires specialist expertise that ATS Finance Now has developed through years of working with business owners and investors. We examine your business financial performance over multiple years, considering seasonal variations and growth trends that may not be immediately apparent to traditional lenders. Our assessment includes your business assets, personal investments, property portfolio, and projected income streams. We understand how to present self-employed income in the most favourable light to lenders, including structuring applications that highlight your financial stability and repayment capacity. This thorough evaluation enables us to maximise your borrowing potential while ensuring the financing remains sustainable for your long-term objectives.

Absolutely. Many of our clients operate complex financial structures involving multiple business entities, investment properties, and diverse income streams. ATS Finance Now excels in coordinating financing across these various ventures while maintaining optimal lending structures. We evaluate how different loans interact with each other, considering cross-collateralisation options, debt consolidation opportunities, and the most effective security arrangements. Our approach ensures that financing one venture doesn't unnecessarily restrict your ability to pursue future opportunities. We work with specialist lenders who understand sophisticated business structures and can accommodate the financing needs of clients with substantial asset bases and multiple investment interests.

The documentation requirements vary depending on your specific circumstances and the type of financing you're seeking. For established business owners, we typically require recent business activity statements, profit and loss statements, and business tax returns for the past two years. Personal financial statements, including details of your investment portfolio and property holdings, help us present a complete picture of your financial position to lenders. For property investments, we'll need purchase contracts, rental appraisals, and property valuations. Our team provides a comprehensive checklist tailored to your situation and works with you throughout the application process to ensure all documentation meets lender requirements efficiently.

ATS Finance Now operates on a commission basis, meaning our fees are typically paid by the successful lender rather than directly by you as the client. This structure ensures our interests align with yours in securing appropriate financing solutions. For complex commercial transactions or specialised financing arrangements, there may be additional fees for extensive structuring work or accessing specialist lenders. We discuss all potential costs upfront during our initial consultation, ensuring complete transparency about any fees that may apply to your specific situation. Our fee structure reflects the sophisticated nature of our services and the substantial value we deliver in securing financing that may not be available through direct lender applications.

Property investment represents a cornerstone wealth-building strategy for many successful business owners, and ATS Finance Now understands the complexities involved in structuring investment loans effectively. We work closely with high net worth clients to evaluate their investment objectives, whether acquiring residential properties, commercial real estate, or development projects. Our team assesses your business income, existing property portfolio, and investment timeline to recommend financing structures that optimise your tax position and cash flow. We coordinate with your accountant and financial advisor to ensure your property investments complement your broader wealth creation strategy while maintaining appropriate debt-to-income ratios.

ATS Finance Now maintains active relationships with over 40 lenders, including major banks, regional lenders, and specialist commercial funders. Our team regularly attends industry conferences, lender briefings, and professional development sessions to stay informed about policy changes, new lending products, and market opportunities. We receive direct updates from lender business development managers about credit policy changes, enabling us to adjust our approach proactively and identify new opportunities for our clients. This market intelligence proves invaluable when structuring applications or advising clients on optimal timing for financing decisions. Our commitment to staying at the forefront of industry developments ensures our clients benefit from the most current market knowledge and lending opportunities available.