Industrial Factory Finance Loans

Industrial factory finance  is a way for you to get capital for a variety of purposes, from buying real estate to refinancing existing commercial loans.

Industrial factory finance lets your business – whether it be small, mid-sized or large – get access to capital for a range of reasons. This can include buying commercial real estate, constructing industrial property or refinancing an existing property loan. A number of lenders across Australia provide industrial finance or commercial loans, but factors like loan term, interest rate, repayment flexibility, and payment methods vary from one provider to the next.

Business lenders you can compare

Rates last updated May 30th, 2017
Min Loan Amount Max. Loan Amount Loan Term Application Fee
NAB QuickBiz Loan
An unsecured business loan from $5,000 that can be processed in 1 business day.
$5,000 $50,000 1 to 2 years $0 Go to site More
Prospa Business Loan
Apply for a business loan from $5,000 and enjoy a shorter loan term up to 12 months.
$5,000 $250,000 0.25 to 1 years $0 Go to site More
GetCapital Business Line of Credit Loan
A business line of credit that allows you to earn Qantas Aquire Points
$5,000 $300,000 0.25 to 1 years Upfront fee of 1% Go to site More
Moula Business Loan
Small business loans of up $250,000 approved and funded within 24 hours. Transparent fees and rates.
$5,000 $250,000 0.5 to 1 years $0 Go to site More

How does industrial factory finance work?

You, as the owner of industrial premises like a factory or commercial establishment, can apply for industrial factory finance or a commercial loan. You can use the loan for just about any industrial-related expense, which could include buying, leasing, or constructing real estate; building a land bank; or refinancing existing commercial property.

Commercial loans can come with fixed and variable interest rates, but fixed rate terms generally don't exceed five years. Whether or not you can make additional repayments, and if there’s a limit attached, depends on the type of finance you take as well as the finance provider.

What to know when comparing your options

Since there are a number of options when it comes to getting industrial factory finance, comparing the following factors can help:

  • Interest rate type. A fixed rate ensures that your repayments remain the same through the entire term of the loan, so you don’t have to worry about interest rate hikes in the future. With variable rate loans, you can benefit if there’s a drop in rates down the line.
  • Interest rate. No matter how much money you want to borrow, you’ll have to repay the principal along with the interest it attracts. Even seemingly small differences in interest can have a significant impact on the total interest you pay.
  • Minimum and maximum amount. The minimum and maximum you can borrow varies between lenders. Some might require that you borrow a minimum of $5,000 and industrial finance can be available up to a maximum of $5 million.
  • Repayment flexibility. In most instances, you can choose between making weekly, fortnightly, and monthly repayments. With some loans you can make an unlimited number of extra repayments, while with others you can make extra repayments up to a given amount each year.
  • Redraw. With commercial loans that allow extra repayments, find out if they come with redraw facilities and also check if there are any limits attached.

Pros and cons of Industrial Factory Finance


  • A way to purchase real estate. With the right kind of finance you can own your premises, and this comes with tax advantages as well as better control over overhead expenditures, appreciation, and depreciation.
  • Develop and construct. You can get one of these loans if your business needs to construct a commercial building, subdivision, or residence. While some banks don’t provide loans if you won’t generate income until the property is complete, others understand that your project requires finance before it can generate profit.
  • Keep positive cash flow. You can keep working capital in your business while investing more in it at the same time.


  • Take on more debt. Taking on any kind of debt is a risk to your business, and if you don’t plan carefully you could end up in a situation when you can’t keep up with repayments.

Is there anything to avoid?

Don’t take on any kind of finance without going through the applicable fees and charges first. If you want options for your loan, make sure you compare without applying – making multiple credit applications can have an adverse effect on your credit history.

Frequently asked questions about industrial factory finance

Can anyone apply for industrial factory finance?

You can apply for industrial factory finance if you have a business registered in Australia, although approval is subject to you meeting the set lending criteria.

What is the minimum and maximum term I can look at?

You can get terms starting at the one year mark, while some variable rate commercial loans come with terms of up to 20 years.

Can I apply for a loan with bad credit history?

Yes, certain industry factory finance providers accept applications from businesses that have bad credit or no credit history at all.

Picture: Shutterstock

Was this content helpful to you? No  Yes

Related Posts

Ask a Question

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the privacy policy, receive follow up emails related to and to create a user account where further replies to your questions will be sent.

Ask a question