Commercial Lending

With excellent relationships at the major institutions and flexible second tier lenders, Dark Horse Financial offers a full suite of solutions to business clients with commercial lending needs. 

Full Doc and Low Doc Solutions

Full doc and low doc solutions are available to commercial clients as well as Lines of Credit and Overdrafts to ensure fast and easy access to pre-determined levels of credit. We work with you to understand your needs now and into the future to ensure that credit levels are sufficient and support your business plans and operational requirements.

Cash Flow Lending Solutions

With the ability to lend against assets from your balance sheet and invoices, Dark Horse Financial can help you grow your business by providing straight forward cash flow lending. Together we will work with your business to select the right product to implement to support your needs with or without property security.

Funding for ATO Tax Debts and Unsecured Business Loans

Funding for ATO Tax Debts and unsecured business loans are available with funds able to be accessed in as little as 24 hours to approved clients. With easy application processes in some instances you can even get approved without tax returns and financials.

Client For Life Approach

Get in touch

0439 062 771

Full Doc and Low Doc Solutions

Get in touch

0439 062 771

Cash Flow Lending To Suit Your Needs

Get in touch

0439 062 771

Funding for ATO Tax Debts

Get in touch

0439 062 771

Is rate creep a bank's version of a loyalty tax? (And how to get the family home back from the bank and keep your business credit)

Rates have gone down over the last few years, they’ve gone down a lot. As home and business owners come off of fixed loan periods or if they’ve got multiple products with a lender they might find something’s not quite right. 

Case in point, is this case study that comes from one of our clients. The client’s fixed rate period had come to a conclusion for their home and investment properties and their revert rate (the rate the loan reverts to when it converts to a variable loan) was nearly a full 2% higher than what that lender was offering to entice new borrowers. 

Scandalous? 

Nope, pretty run of the mill actually. 

One of the best ways a commercial lending borrower can save over the course of their loan is to check or make sure they’re with a broker who checks in with the lender to see if they’re getting the right deal. Asking for a pricing review, particularly if you have multiple properties, facilities and sizeable loan portfolio can save you plenty over the loan term.

If you’ve been thinking that the above scenario might apply to you but you’ve also got a business overdraft account secured by your family home, you might find your rates have creeped up by even more. 

Unlike phone companies that give you more data, more discounts and more benefits for the more services you have with them, customers of business banks complain that the banks hold on to more security than they need and that rates go up straight away but don’t move down in quite the same way. 

Case in point was a recent customer who came to us with a couple of investment properties financed at a major and the lender had a hold of the family home to cover their business overdraft account. Their rates were much higher than they should have been given the market at the time. Our client thought it wasn’t a hard decision for them to move on. Invoice finance secured a line of credit to support their business without property security and it’s a facility that can grow as their business does, without being limited by the amount of equity they’re holding. 

Long story short, better rate, better business lending facilities and the family home not held by a lender. I don’t care how strong your business is, that seems to make everyone sleep better at night.

If you can’t confidently think of your rate off the top of your head it’s worth grabbing a statement and having a check. If it’s where it should be and you’ve got the services you need, that’s great. If it’s not where it should be, maybe it’s time to do something about that.

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