Commercial and business lending advice tailored to you.
Whether you're purchasing commercial property, growing your business or reviewing existing finance, we can help you explore your lending options with practical, personalised advice.
WHAT WE CAN HELP WITH
Lending solutions for your business plans
From purchasing commercial property to funding your next stage of growth, access to suitable finance can play an important role in achieving your business goals.
At Time Vision, we help business owners and property professionals understand their lending options, consider different loan structures and explore finance arrangements suited to their circumstances.
Commercial property lending
Purchasing or refinancing a commercial property can involve different lending requirements from a residential mortgage. Whether you're looking to purchase premises for your own business or invest in commercial property, there are several factors to consider.
Lenders may assess the property's value, intended use, lease arrangements, financial position and the structure of the borrowing.
We can help you explore commercial property finance options, understand lender requirements and consider how different loan arrangements may fit your plans.
Business acquisition finance
Buying an existing business can be an exciting opportunity, but arranging finance involves more than simply securing a loan.
Lenders may consider the business's financial performance, assets, cash flow and the buyer's experience, alongside any available security.
Whether you're purchasing your first business or expanding through an acquisition, we can help you understand the funding options available and navigate the lending process.
Business growth and expansion funding
As your business grows, you may need additional funding to support new opportunities. This could include purchasing equipment, expanding your premises, increasing capacity or investing in new operations.
Different finance arrangements may be available depending on your funding needs, business performance and financial circumstances.
We can help you explore suitable lending options, understand the costs and repayment commitments involved, and consider how additional finance could support your business plans.
Business loan refinancing
The finance arrangements that suited your business when they were first established may not always remain appropriate as your circumstances change.
Refinancing or restructuring existing business lending may provide an opportunity to review repayment arrangements, loan terms or how your borrowing is structured.
We can help you assess your current lending, explore available alternatives and consider the potential costs and benefits of making changes.
FREQUENTLY ASKED QUESTIONS
Common questions about commercial and business lending
What's the difference between commercial and residential lending?
Residential lending generally relates to properties used as homes or residential investments, while commercial lending can involve properties used for business or investment purposes, such as offices, retail premises and industrial buildings.
Commercial lending often involves different assessment criteria, loan structures, interest rates and deposit requirements.
A lending adviser can help you understand the differences and explore options suited to your circumstances.
How much can my business borrow?
The amount your business may be able to borrow depends on factors such as its financial performance, cash flow, existing commitments, available security and the purpose of the loan.
Lenders may also consider your business history, industry and ability to meet repayments.
We can help you understand the information lenders typically require and explore finance options based on your business's circumstances.
Do I need property security to obtain business finance?
Not necessarily. Some business lending arrangements are secured against residential or commercial property, while others may be secured against business assets or supported by different forms of security.
The options available depend on the lender, loan purpose, amount required and financial position of the business.
Different security arrangements carry different obligations and risks, so it's important to understand the terms before proceeding.
Can I borrow money to purchase an existing business?
Finance may be available to help purchase an established business, depending on the circumstances and lender requirements.
Lenders typically assess the financial performance and value of the business, the buyer's experience, available deposit or equity and any security offered.
We can help you explore potential lending arrangements and understand what's involved in preparing a finance application.
Is it worth refinancing an existing business loan?
Refinancing may be worth exploring if your business's financial position, funding requirements or priorities have changed.
However, moving or restructuring a loan can involve establishment costs, early repayment charges, changes to security arrangements or other fees.
It's important to consider the overall costs and terms, rather than focusing solely on the interest rate. We can help you review your current arrangements and explore potential alternatives.
OUR PROVIDERS
We work with a range of insurance and lending providers
Let's talk about your needs
Whether you're reviewing your insurance or exploring lending options, the Time Vision team is here to help.
PO Box 84-237
Level 1, T88 - Northwest Shopping Centre, Fred Taylor Drive, Westgate, Auckland, New Zealand
Our services
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Residential mortgages
Commercial & business lending
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Disclosure statement
Important information
All Time Vision advisers are members of AdviceQual Financial Advice Provider. Financial advice is provided under the licence held by AdviceQual.
For more information about our financial advice services, including the scope of our advice, how we are remunerated and how complaints are handled, please read our Financial Advice Disclosure Statement.
