Business and Commercial
Accessing finance for growth and operations is critical for many Kiwi businesses. But it’s not always easy for SMEs to get what they need from banks. We partner with you to help unlock the right types of lending and enable you to grow with confidence.
Secure the capital you need to achieve your goals
There are many reasons why clients come to us for help with business and commercial lending. But at its core, we add value by taking the time to understand your operations and strategies, finding the right lenders to provide you with the best deals for your needs, and providing dedicated support well into the future.
We love to learn how your business functions beyond just the numbers, and what your wider life goals are, to ensure that any borrowing meets not just today’s opportunities and challenges, but also aligns with where you’re going.
Commercial lending takes a different skillset to securing residential mortgages, and we have the skills, experience, and relationships to help you thrive. You can expect professionalism, in-depth knowledge of the options available, confidentiality, and proactiveness.
We take the work of preparing and managing your loan application off your hands so that you can focus on what you do best. If borrowing is an important part of your plans and you want to avoid the hassle of doing it yourself, let’s chat.
Getting business loans is harder than it needs to be
The commercial support and relationship managers that banks provide are well suited to larger enterprises, but they aren’t usually a great fit for everyday Kiwi businesses.
To access a relationship manager, you need to meet minimum turnover criteria. But it also presents a range of other challenges:
Relationship managers are typically very busy, and they don’t always have the time to understand your needs at the level of depth we can provide.
When restructures take place, your relationship manager may be moved to other areas of the bank. When this happens, you’ll be assigned a new manager who doesn’t necessarily understand your operations. We learn about your business and remember what you said in the past so that you don’t need to repeat yourself.
When you work with one bank, you can only access the lending offers that they provide. But when you partner with a broker, you’re able to access many different sources of funding, which are sometimes better suited to your needs.
If your turnover is below the minimum revenue threshold, you will need to work directly with retail staff at the bank. They are not usually trained on reading financial statements, and understanding the intricacies of your business.
By partnering with us for your business and commercial lending needs, it’s much easier to get the finance you need.
Types of commercial lending available
We can arrange almost any type of business finance on your behalf, but we’ll only ever set you up with lending products that make sense for your requirements.
Here are a few of the lending types we can access:
Commercial property purchases
Working capital funding
Asset and equipment finance
Cashflow finance
Invoice factoring
Equity release products
Property development loans
Trade finance
And much more…
Prior to becoming mortgage advisors, we worked in banks for decades. We have an unparalleled depth of knowledge about the commercial lending products available and how they function, so we can almost always find the right fit for your needs.
Set yourself up for success with our services
The structure of your borrowing, and how you go about financing your investments is a key component in generating long-term wealth.
We’re here to help at every stage of the journey, from discussing your strategy to tailoring a finance package that suits your needs, gaining pre-approval, working with your accountant and lawyer, supporting you during settlement, and providing ongoing advice after the purchase is complete.
We can access a wide range of funds from bank and non-bank lenders, our skills are versatile, and we will only process a loan if it’s in your best interests.
Experience The Mortgage Centre Difference
Clients love working with our registered financial advisers because we’re highly experienced, attentive to their needs, and helpful at every step along the way.
Deep expertise
We’ve spent decades working in banks. We know what lenders want to see, and how their processes function internally. We think outside the box to give you the best solution for your needs. And we’ve won a bunch of awards, too.
Focused on structure
Getting your loan approved is the easy part. Fine-tuning the structure to be the best fit for your specific situation is where we excel. We work with all the major banks and many non-bank lenders. And we look beyond just interest rates - we focus on setting you up with the right structure to repay your loan faster.
Personalised solutions
Our approach is tailored, not generic. We take the time to understand your unique scenario and explore the various options available, ensuring our recommendations truly align with your needs. We put your best interests first, and we’ll only set you up with loans that are the right fit for you.
Lifelong support
Our service doesn’t end with getting your loan approved - it’s just the beginning. You can expect annual check-ins, anytime support to help you on your property ownership journey, and advice on property-related matters as required. We're about building lasting relationships and empowering you to succeed.
Clear guidance
Getting a loan and buying property can sometimes be overwhelming. We take a relaxed yet professional approach to help you feel comfortable, confident and supported every step of the way. You’ll receive detailed and up-to-date information to ensure that you’re making the right choices without feeling overloaded.
Keeping it simple
Our services are designed to be straightforward and easy for you. We put in the work and handle the complexities, giving you a hassle-free experience. With our streamlined, honest, and transparent approach, you can enjoy a smooth borrowing process that doesn’t usually cost you a cent.
Steps to success
Step 1
When you get in touch, we’ll arrange a time to meet (in person or online), get to know more about your situation, and provide some initial solutions to consider.
Step 2
When you’re ready to go ahead, we’ll onboard you as a client, collect all the documentation required, prepare your application, and work with lending providers to get your borrowing pre-approved.
Step 3
Once we’ve gained approval and you’re happy to proceed, we will meet to select the best structure for your loan and submit it to the bank. Then we’ll work with the bank to get the deal completed.
Step 4
After your transaction is completed, we’ll keep supporting you as and when you need it. With annual checkups and the ability to contact us any time you need guidance, you can feel comfortable knowing that you’re in good hands.
Contact us
Contact us
When you’re ready to start the conversation, please feel free to contact us by filling out the form below, or reaching out to your local adviser in Auckland, Waikato, or the Bay of Plenty and Taupo. We look forward to helping you!