Commercial Loans on the Gold Coast

Where on your side

  • Are you looking to purchase a commercial building?
  • Or do you need ​help getting a better deal? 
  • Are you tired of having to present financials every 12 months and renegotiate your commercial loans?

We have a better way!

At Mango we understand the pitfalls around commercial finance. No need to come cap in hand. We know what the banks are looking for, what they see as good business and what they just wont accept. We also know, how to present your loan application in the best possible light. We get the banks fighting for your business. But better than all of that where on your side. We work for you, not the bank. Our goal is to protect your business and to help you succeed. When you succeed so do we. So if you want us on your team, give us a call. 

Keshena Riddell

I have dealt with Alex twice now and both times he has exceeded my expectations. He is down to earth, professional and always goes the extra mile to get the job done. His communication is outstanding and the process is so easy. I couldn't recommended a more trustworthy and friendly person to deal with. Thanks again Alex for getting a home loan just right for us.

Authentic, reliable and professional advice from someone you can trust is crucial when it comes to your finances. Alex always goes the extra mile to provide the best outcome and also to carefully explain so that you understand what you are doing and why, that's why I highly recommend him and will continue to use his service.

Ashleigh McMillan

Mango Financial Services made refinancing simple,quick and easy. Highly recommend Alex and his team. They work with you every step of the way and get you the best possible outcome. Thank you! We will continue to use Mango Financial Services and a recoomend to our friends and family.

Tatiana Prado Eddy

Highly recommend Alex Warren from Mango Financial Services. Alex provided some good loan options and communicated with us during the whole process. Our loan was somewhat complex and wasn't your typical home loan. Once again thank you Alex and we hope to deal with again in the near future.

We can help you with all you commercial finance needs

Commercial Buildings

equipment loan

Medical Centres

Hotels / Motels

car loan

Management Rights

Debtor Financing

commercial loan

Rent Rolls

Franchise  Packages 

car loan

Cash Flow Lending

equipment loan

Construction and Development

Accounting / Solicitors Practices

commercial loan

Financial Planning Practices

Mixed Residential and Commercial Security

How to avoid the pitfalls in commercial finance

Getting a loan for a commercial building is an exciting time. But how would you feel if a couple of years down the track your bank calls in your loan (meaning they give you 30 days to repay it in full) and you have never missed a payment?

Unfortunately I have seen all too often commercial borrowers being fed to the wolves as banks look to protect their balance sheet or simply profit from your demise.

Most business owners buying a commercial property have fairly similar expectations to that off purchasing a home. That is you sign up for a mortgage and your belief is that, as long as you maintain your repayments over the term of the loan than everything will work out ok.

Unfortunately small and medium business owners purchasing a commercial property are not afforded the same protections they receive under the National Credit Code when they purchase their home.

Did you know that you can be in default on your loan and never miss a payment!

That’s right you can be in default and never miss a payment!

I have found 3 things that catch most commercial borrowers out and in many cases they can be avoided.

  • Bankers work for the bank not "you"

When you first apply for a loan the banks make you jump through the hoops to ensure you can afford the repayments. Business is going great, you are in growth phase and the bank wants in.

But every business, just like the economy will go through tough patches. Profits might be down or dissapeared and out of no where the bank gives you a call for a review. The banks managers job is to protect the bank balance sheet and after seeing your financials the bank might decide that you can no longer afford the existing loan. You meanwhile are working hard, never missing a payment, in fact your missing out, your doing without to make sure you never miss a payment. But if the bank manager decides that you are looking to much of a risk, that if they call in the debt now they have a great chance of getting everything owed. They might decide it is better to act now instead of waiting for things to get worse.

Unfortunately this is not a scare tactic. Take a look at the following article in the Sydney Morning Herald that putts a spotlight on engineered defaults by the banks. ​

As a business owner we all like to be in charge of our own destiny, if you are with a bank that conducts loan reviews, it is time to give us a call. We work for you, we can help you create a strategy to protect your assets and at the same time choose the right lender for you that puts you back in the drivers seat of your business.