Commercial Loans | DJ Mortgage

Whether you are running an established business, a small startup, or preparing to expand your operations, DJ Mortgage can tailor the most suitable business financing solution for you.


We understand the Australian business environment and are familiar with the business loan policies of different banks and non-bank institutions. We can provide fast, professional, and customized business loan services based on the company's size, cash flow, and financial structure.

Why choose Daji Credit for your business loan?

Fast approval: Commercial loans can also be highly efficient.

With numerous commercial lending institutions and complex policies, we can help you find the most suitable lender in the shortest possible time, ensuring your project is not stalled by funding issues.

Commercial loan service scope

(01)

Commercial Property Loans

Commercial real estate includes:


  • Office
  • Warehouse
  • Retail Shop
  • Medical Clinic
  • Industrial Real Estate
  • Hotels, cafes, and restaurants


We can help you:


  • Comparing commercial real estate interest rates from different banks
  • Assess loan amount
  • Review rental income and cash flow structure
  • Provide appropriate loan terms and cost analysis



Commercial real estate typically requires more documentation and more complex financial assessments; our role is to make the entire process simpler and more efficient.

(02)

Business Cash Flow Loans

Suitable:


  • Need short-term cash flow
  • Plans to expand company size
  • Purchase inventory
  • Resolving temporary cash flow pressure


Business operating loans typically do not require collateral and the amount can be assessed based on cash flow and turnover.



Daji Credit can assist with:

  • Analyze your company's cash flow
  • Match the most suitable lender
  • Method for determining loan amount and interest rate
  • Discuss repayment schedule (weekly / monthly)


(03)

Equipment & Vehicle Finance

Suitable for purchase:


  • truck
  • truck
  • Commercial vehicles
  • Tools and Equipment
  • Machinery
  • agricultural equipment


We partner with multiple equipment financing institutions and can provide:

  • Approval (Quick)
  • Simple file
  • Flexible repayment methods


Suitable for business owners who need to update or expand their business equipment.

(04)

SMSF Commercial Loans

Purchasing commercial real estate through an SMSF (Self-Managed Pension Fund) requires strict adherence to regulatory requirements.

We can provide you with:

  • Compliance Structure Recommendations
  • Loan ratio assessment
  • Choose the right SMSF commercial lender
  • Full document assistance



Ideal for: ✔ Those who want to use their retirement savings to purchase an office ✔ Those who want to own their own commercial property ✔ Those who want to reduce long-term rental costs for their businesses

(05)

Business loans for overseas individuals/companies (optional service)

For overseas companies or investors looking to purchase commercial properties in Australia, we can provide assistance:



  • Non-resident commercial loans
  • Overseas companies purchase commercial real estate
  • FIRB requires explanation
  • Loan Structure Planning


Commercial Loan FAQ

  • 1. What is the difference between commercial loans and residential loans?

    Commercial loans place more emphasis on:


  • Corporate cash flow

  • Rental income

  • Corporate Financial Structure

  • Commercial property type


    • Interest rates are typically slightly higher, but the structure is more flexible.


  • 2. In what situations is it appropriate to use a Non-Bank (non-bank institution)?

  • Unstable corporate cash flow

  • Startups

  • Banks are unable to meet loan demand

  • Faster approval is needed.


    • Non-bank options are often more flexible and are a popular choice for Chinese businesses.