Business Finance

We’re the go-to brokers for accommodation, medicos, tradies, farmers & property investors.

When it comes to financing your business needs we have the expertise to find the best solution for you.

We can help you with:

• Cash flow finance
• Overdrafts
• Debtor finance
• Finance to purchase or expand your business
• Finance for commercial property premises to lease out or occupy
• Equipment finance

We’ll help you look past headline rates, avoid over the top debt traps and find you a lender that you’ll be comfortable with.

Dealing with major banks, smaller banks, credit unions & non-banks, we take the time to research the market to find the best solution for you.

With real-world experience in business lending, connections to business lenders across the country and tertiary qualifications in business management, its safe to say that when it comes to business lending, we know how.

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What types of business loans can North Coast Lending help with in Coffs Harbour?

North Coast Lending assists businesses across the Coffs Coast and regional NSW with a wide range of commercial finance solutions. This includes working capital loans to manage cash flow, business acquisition finance for buying an existing business, commercial property loans for purchasing or refinancing a business premises, trade finance, debtor finance and term loans for capital investment. Whether you're a small local business, a growing regional operation or an established company, the team can structure a solution that fits your business stage and goals. Rod Cross and Scott Bohringer lead the commercial finance team with decades of experience in business banking and commercial lending.

How is getting a business loan through a broker different from going to my bank?

When you go directly to your bank, you're assessed solely against that bank's criteria and offered only their products. North Coast Lending, as an independent broker, has access to a broad panel of business lenders including major banks, specialist commercial lenders and non-bank financiers and works exclusively on your behalf. This means the team can match your business's specific financials, industry and goals to the lender most likely to approve your application on the best terms. For business owners with complex structures, variable income or specialised industries like tourism or agribusiness, this access to multiple lenders is particularly valuable.

Can North Coast Lending help me buy a commercial property or business premises on the Coffs Coast?

Yes. Commercial property finance is a core part of North Coast Lending's offering. Whether you're purchasing a retail premises, industrial shed, office space or a mixed-use property in Coffs Harbour or surrounding areas, the team can help you secure the right commercial loan. Commercial lending is more complex than residential — loan-to-value ratios, lease terms and business financials all factor into lender assessments. Having an experienced broker navigate this on your behalf can make a significant difference to your outcome, both in terms of approval and the rate and structure you receive.

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Looking for a better deal on a loan?

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In Rod Cross and Scott Bohringer, you have dedicated and experienced business finance brokers. Connected to bank and non-bank lenders alike, Rod and Scott can access a range of business lending solutions including working capital, trade, debtor finance, term loans and property loans.

Commercial Property

Whether you are buying, building, or refinancing; investing or owner-occupying; doing it through super or in your own right, we love helping with commercial property finance. We’ll help guide you through the pitfalls of ownership structures, costs, and lending options. We’ll negotiate with lenders and find the loan that best suits your needs, not the lenders!

Professionals

Medical, Legal, Accountants, Allied Health professionals! We’ve got you covered with a range of lending options including funding goodwill, practice fit-outs, and buyouts. We’ll help finance premises, plant, and equipment. We’ll work in conjunction with your other advisers to ensure the right loan structures are in place. And we know where to leverage your equity the best.

Accommodation

We are your premier finance brokers for the accommodation sector. Whether you are buying a motel, hotel, caravan park, complex or management rights we can help find the right finance on the right terms.

AgriBusiness

Funding your next acquisition of land; your stock; your plant and property improvement, or just finding a better deal, we are here to help with your agribusiness finance needs. With years of agricultural finance experience and degree studies in agricultural economics behind, Rod has a genuine passion for, and understanding of, agribusiness finance.