Question 1

How much can my business borrow?

Accepted Answer

Most commercial lenders consider deal sizes from $5K (small unsecured business loans) up to $5M+ for commercial property and larger working capital facilities. Borrowing capacity depends on cash flow, trading history, ABN age, industry, and security offered. We assess your position upfront and match you only with lenders likely to approve your deal.

Question 2

Can I get a business loan without providing collateral?

Accepted Answer

Yes — unsecured business loans are available up to roughly $500K (and sometimes more), though they carry higher rates than secured options. For larger deals or sharper rates, lenders typically want property, equipment, or other business assets as security. We compare both secured and unsecured options across the panel so you can weigh rate vs flexibility.

Question 3

How quickly can commercial finance be approved?

Accepted Answer

Straightforward deals — particularly unsecured business loans, asset finance, and some working capital lines — are often decisioned within a few business days. Commercial property and larger structured deals typically take 1–3 weeks because of valuations and additional due diligence. We always tell you upfront what realistic timing looks like for your specific deal.

Question 4

What documents do I need for a business loan?

Accepted Answer

Standard documents include: 6–12 months of business bank statements, recent BAS, latest financials (P&L + balance sheet), ATO portal printouts (to confirm tax position), and director ID. Asset finance often needs a tax invoice for the asset. Commercial property adds property valuation and contract of sale. We give you a tailored checklist after the initial intake.

Question 5

What is asset finance and how does it work?

Accepted Answer

Asset finance lets you fund equipment, vehicles, or machinery without paying the full amount upfront — the asset itself serves as the lender's security. Common structures: chattel mortgage (you own the asset, lender takes a charge), hire purchase, and operating or finance lease. Rates typically range 5–10% p.a. depending on asset type, term, and your business profile.

Question 6

What's the difference between a chattel mortgage and a finance lease?

Accepted Answer

Chattel mortgage: you own the asset from day one and the lender registers a security interest (PPSR). You can claim depreciation and GST on the purchase. Finance lease: the lender owns the asset and you rent it for a fixed term, with the option to buy at the end. Tax treatment, GST handling, and balance-sheet impact differ — your accountant should weigh in alongside the broker recommendation.

Question 7

Can I finance commercial property through Jokuda?

Accepted Answer

Yes — owner-occupier and investment commercial property up to roughly 80% LVR depending on property type (office, retail, industrial, mixed-use) and tenant quality. We also handle construction and development finance for ground-up builds or significant upgrades. Self-managed super fund (SMSF) property purchases are available under limited-recourse borrowing arrangements.

Question 8

How does invoice financing work?

Accepted Answer

Invoice financing (sometimes called debtor finance or factoring) lets you draw cash against unpaid customer invoices — typically 80–90% of the invoice value upfront, with the remainder paid once the customer settles. It's structured as either a confidential facility (your customer doesn't know) or disclosed factoring. Useful for businesses with long payment terms or seasonal cash flow.

Question 9

What is trade finance?

Accepted Answer

Trade finance funds international or domestic trade transactions — letters of credit, import finance, export finance, supply chain finance. It bridges the gap between paying suppliers and receiving customer payment. Useful for importers, exporters, and wholesalers managing working capital across long shipping cycles.

Question 10

How does Jokuda get paid for commercial finance?

Accepted Answer

We receive a commission from the lender when your facility settles — this is standard practice across commercial broking. Commission rates vary by lender and deal type, and we may also charge a broker fee on more complex deals. All fees are disclosed upfront in writing before you commit, so there are no surprises.

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