"Holmes Finance" commercial & asset finance partners offer outstanding competencies in designing and providing business solutions for finance and asset management strategies that create dynamic and innovative value propositions for our clients.

We can help you structure and cater the right commercial facility for you as we have the expertise and ability to provide you with the best funding structure tailored to suit your needs with experienced staff in the area of commercial finance, ranging from commercial property investment funding through to development funding and even asset finance for vehicles and equipment.

Our commercial financial services and products include -

  • Commercial Property Finance (All types, retail, commercial industrial)
  • Property Development Finance
  • General Equipment Finance
  • Motor Vehicle Finance
  • Cash Flow Finance
  • Mezzanine Funding
  • Boat Finance (business & personal use facilities available)
  • Equipment Rental
  • Insurance Premium Finance (business facility)

Commercial Property Funding

Whether your commercial property is owner occupied or investment we have the right commercial facility for you. Is security important to you? Is obtaining maximum leveraging against the property important to you? Or, is it the best rate possible? We can offer commercial property loans to meet all these requirements. .

Business Facilities

Business lending requires the correct level of and right type of funding. "Holmes Finance" can structure the right type of business funding for your business, with competitive security structures and pricing and can assist you with the following products and services:

  • Cashflow finance
  • Debtor Finance / Factoring
  • Overdraft Facilities
  • Term business loans
  • Merchant facilities

Development Funding

Property Development is a specialized field of commercial funding requiring an in depth knowledge of what level of debt is considered acceptable risk not only for the financier but also for the developer. We have a wealth of experience in this area of funding we can structure the right development funding package for your next project taking into consideration of such variables as end value of the project, presales and soft costs. .

Leasing and Asset Finance

Looking at purchasing that new motor vehicle, a recreational boat or do you require that new piece of equipment or machinery for your business? Our dedicated and experienced Asset Finance staff, can set up the right Asset Finance facility for you, whether it be Hire Purchase, Lease or Chattel Mortgage on competitive terms and pricing with residuals/balloons that will give you the flexibility to get on with business or enjoy that new purchase. .

Chattel Mortgage

  • Best suited to business clients on a CASH BASIS in order to claim full GST amount via BAS return
  • Client owns the asset and Lender takes security over goods
  • GST inclusive amount is financed
  • Deposits or trade-in equity allowed
  • Interest and depreciation generally tax deductible
  • Balloon payments may be included in structure
  • Interest rate and payments are fixed for term of loan

Commercial Hire Purchase

  • Best suited to business clients on an ACCRUAL BASIS for GST or clients not registered for GST, but have “business use” of an asset
  • GST inclusive amount is financed
  • Deposits or trade-in equity allowed
  • Interest and depreciation generally tax deductible
  • Clients on accruals method claim FULL GST amount via BAS vs clients on cash method who must claim GST on a prorate basis over term of contract
  • Balloon payments may be included in structure
  • Interest rate and payments are fixed for term of loan

Finance Lease

  • Lender (Lessor) owns the asset
  • Client (Lessee) rents the asset via a fixed payment
  • GST exclusive amount is financed
  • No deposits or trade-in equity allowed
  • Rentals are claimed by the client as a tax expense
  • GST is levied on rentals and claimed via BAS return
  • Residual values must meet ATO guidelines
  • Client indemnifies the lender for residual value
  • Rentals and interest rate are fixed for term of lease

Novated Lease

  • Used by PAYG applicants wishing to salary sacrifice the cost of owning and financing a car of their choice
  • Does NOT have to be used for business or work purposes.
  • Lender enters into finance lease with the client (employee)
  • Client then enters into a novation agreement with their employer
  • Employer makes the rental payments to the lender via the client/employee’s pre-tax salary and claims the deduction
  • Credit decision is based on credit-worthiness of the client/employee
  • If client leaves the employer, responsibility for the lease (including repayments) reverts to the client
  • Residual values set in accordance with ATO guidelines
  • Client indemnifies the lender for the residual value
  • Off balance sheet facility for employer

With "Holmes Finance"

  • We get your money fast!
  • We deal with not just the Big 4!
  • We give you free and fast assessments!

Contact Us

What Can Be Financed?

  • Passenger cars
  • Light commercial vehicles
  • Farm machinery and equipment
  • Manufacturing plant and equipment
  • Medical and dental equipment
  • Office and computer equipment
  • Other income producing plant and equipment
  • Trucks, trailers and special purpose vehicles
  • Machinery, plant and equipment
  • Earthmoving and road construction plant & equipment
  • IT equipment, software and telecommunications
  • Portable buildings
  • Office furniture and fit-outs

We will show you how to

  • Consolidate Debt and improve your business working capital
  • Free up money stuck in fees, charges and interest rates
  • Free up your cash flow and get access to more money
  • Simplify repayments to reduce your cash flow commitment
  • Gain more flexible finance features to meet your business needs
  • Increase your overall borrowing capacity with a new debt facility
  • Release your security over personal assets and/or specific assets.
  • Combine ad-hoc debt finance arrangements into a single product.
  • Get full control and access to your money
  • Have the flexibility in changing your finances to match business needs

We will help you by

  • Taking out all the stress and work from getting a loan
  • Saving you valuable time and money
  • Providing full control and access to your money
  • Provide various finance options and not just the Big 4.
  • Explaining of all the pitfalls, traps and fine prints of your options
  • Changing your finances to match business needs
  • Negotiating a better deal from your current lender

We know you are unique!

"Holmes Finance" has strong relationships with lenders who specialise in lending to clients who don't fit the narrow lending criteria of most banks. Now with ASIC taking full control of the finance industry, bringing in new laws and regulations it has never been easier, safer and simpler in getting a loan.