Business loans for warehousing and distribution businesses

Ardent Capital Group brings the same method to every client: execution and strategy, clear advice for smart lending, and long-term growth. That means the right lender, structure and timing, straight advice so you borrow with confidence, and today's deal built toward where you want to be tomorrow. We are specialists in helping business owners secure finance to purchase their own property, and we understand the complex structures that often sit around it, including multiple trusts, holding companies and self-managed super funds. Through that work we also understand what the business needs from its cash flow, and where an overdraft or line of credit fits for working capital. For a warehousing and distribution business, where value sits in stock and a debtor ledger, that means the lenders among our 60-plus panel who read that profile on its own merits rather than looking only for property. We stay with you well beyond drawdown. Every figure is subject to serviceability, lender appetite and approval.

It depends on how quickly you need it and what you are willing to offer as security. Unsecured facilities are assessed mainly on trading strength and can be arranged in days, which suits a limit of $100K to $500K. Secured facilities, backed by property or plant, support larger amounts and price better, and make sense once you are funding a major purchase or an acquisition. Most established operators end up with a mix, and we shape which sits where.

It depends on your trading, your structure and the purpose, but lending here commonly runs from $100K to well into seven figures, and our range extends to $100M for larger operators. Stock and the debtor ledger can both support a facility, which often means more capacity than an owner assumes from the property position alone. The binding constraint is usually serviceability rather than security, and we shape the funding early so you know your number before you commit.

Yes, and the equipment itself is normally the security rather than your home. Forklifts, reach trucks, racking, conveyors and dock equipment can all be funded new or used, and racking can usually be funded with the install. Terms are typically matched to the life of the asset, and established businesses can often be assessed on bank statements and BAS rather than full financials. Dealer and manufacturer finance programs are available too, and we compare them against a bank facility.

Yes, and this is exactly what a revolving line is for. A seasonal build means paying suppliers months before the stock sells, and funding it from your own cash leaves nothing for the rest of the operation. A line sized to your stock turn lets you build the holding and repay as it moves, with interest charged only on the drawn balance. Where the stock is imported, trade finance can sit alongside it, subject to lender appetite and approval.

No. Plenty of operators fund growth without touching the family home, either through unsecured facilities assessed on trading, or by securing against the equipment being purchased. Property security widens the range of lenders and structures open to you, so it is worth considering once you are borrowing well into seven figures. The choice is yours, and we will show you what each option costs before you commit.

An unsecured facility can often be approved within 48 hours and funded inside a week where the business is established and the BAS and bank statements are current. Secured facilities take longer, typically two to four weeks, because a valuation is involved. The practical advice is to open the limit before you need it, ideally when you are planning the spend rather than when the invoice is already due. Timeframes are indicative and subject to lender appetite and approval.

Yes. Many lenders assess established businesses on 6 to 12 months of bank statements and recent BAS rather than full year-end financials, which suits operators whose accounts lag the current run rate. It works best where the trading account shows regular receipts and the ATO position is current. If you have a payment plan in place, say so early, because several lenders will still proceed when it is disclosed and being met.

Yes, and it is a commercial property deal rather than a working capital one. Warehouses turn on clearance, floor loading, dock access and hardstand, so a business that has racked out a site to suit its operation is often better off owning it than leasing it. Owner-occupiers can generally borrow a higher proportion of the purchase price than an investor would. Our commercial property team handles these end to end through our warehouse and industrial commercial mortgages service.

Yes. Imported stock means paying a supplier deposit, a balance at shipment, and then waiting weeks on the water before anything can be sold. Trade finance covers the supplier payments and can roll into a receivables facility once the goods land and are invoiced, so one facility hands over to the next rather than leaving a gap. It works best where your supplier relationships are established, subject to lender appetite and approval.

Most of the time, no. We are paid a commission by the lender once your facility settles. Where a deal requires significant preparation or involves unusual complexity, a small mandate fee may apply. We will always be upfront about this before any work begins.

Although we are based in Sydney, we service clients across all major Australian cities, including Melbourne, Perth, Brisbane, the Gold Coast, Adelaide, Canberra and Hobart, along with their surrounding regional areas. Wherever your business is located, we can arrange your finance.

Although our main speciality is property loans for business owners, such as a property loan for your warehouse, we also assist with forklift and warehouse equipment finance and working capital. On asset finance, that covers forklifts, racking, plant and commercial vehicles. On working capital, we arrange business overdrafts, lines of credit, receivables and trade facilities. We also arrange commercial mortgages if you are buying or refinancing a warehouse.