Commercial & Business Loans

Regal Financial Services has a range of commercial lending options to help with the ongoing finance requirements of your business.

From traditional term loans to revolving lines of credit to smooth out any income fluctuations, we have a variety of products with flexible terms to help meet your financial needs.

  • Business Overdraft
  • Commercial Term Loans
  • Interest Only Loans
  • Business Line of Credit
  • Lo Doc – Commercial Loan
  • Private Mortgages

Business Overdraft

Business Overdraft offers the flexibility of a line of credit attaching to your cheque account, allowing you to draw down funding up to the overdraft limit, as and when the business has a need. The overdraft limit can attach to your Business Cheque Account or Business Management Account, and can be accessed by cheque, card, Bpay or transfer by telephone or Internet. You can repay any amount that you require and still only pay interest on the amount of the debt. It provides a convenient way to help smooth out the fluctuations in cashflow that every business experiences.

Commercial – Term Loans

Term Loans are standard loans, whereby you repay the principal and interest over the term of the loan. Loans are typically secured by residential, commercial or rural property. At Regal Financial Services we can develop a package geared specifically to your needs, taking into account your cash flow, the type of property or equipment purchase, and the term of the loan.

Interest Only Loans

The Interest-only Loan allows you to maximise the amount of capital you maintain in your business by reducing your loan repayments.
You only pay interest on the amount borrowed until the end of the loan, at which time you must repay the principal in full.

Business Line of Credit

A revolving line of credit has often proved to be a vital asset to many businesses. It is a come and go revolving credit facility commonly used for capital and seasonal business requirements. It allows the principal to be repaid and redrawn at any time.
A revolving line of credit is perfect for businesses that require access to funds for inventory, fuel, power, repairs, wages, and other working capital requirements.

Lo Doc – Commercial Loans

Private Mortgages