Tailored secured term finance for business growth, acquisition, refinance and working capital.
Commercial is the facility for larger or structured needs: an acquisition, a refinance, a growth plan with a defined payback. Security and structure are tailored to the purpose, and every facility passes a human credit decision before anything is advanced.
Security tiers, amounts, terms, fees and product-specific documentation are to be confirmed by Velonda before this page is published to a live domain.
Commercial is built for larger, structured transactions with a clear repayment source. Common uses of a Velonda commercial loan include:
Commercial
Commercial is a secured business loan, backed by property. We tailor the security to the transaction:
Owner-occupied commercial property
Commercial investment property
Residential property, in some cases
First or second mortgage, or a caveat
Lending up to 100% of property value (LVR)
Drive is built for businesses financing the vehicles and equipment they run on — not consumer credit. Every application is assessed against the same core criteria before it moves to verification.
Your ABN pre-fills your business details from the Australian Business Register at application.
A minimum trading history so the business has an operating track record to assess.
A signed declaration that the finance is wholly or predominantly for business or commercial use.
Registration status and any minimum turnover threshold to be confirmed before this page goes live.
To be confirmed with Velonda before launch: minimum trading period, GST registration requirement and any turnover minimum.
Every application follows the same five-stage journey — apply, verify, connect, outcome, then offer and settlement after human credit and AML sign-off.
Rates on application. Indicative only — subject to identity verification, credit assessment and a formal offer; not an approval or an offer of finance.
Security is structured to the transaction and confirmed during assessment. The application asks what security is available; our credit team structures against it.
Yes — refinance of existing business obligations is a common use, assessed on the same business-purpose basis as any other application.
The online journey targets an indicative outcome in less than one hour, formal assessment follows with human credit and AML sign-off. Indicative only — subject to identity verification, credit assessment and a formal offer; not an approval or an offer of finance.
Rates on application.
Velonda commercial loan ranges from $1000 to $1,000,000 , depending on the security and transaction.
Terms typically run 1 to 10 years, set against the purpose and repayment source.
Owner-occupied or investment commercial property, and residential in some cases. Confirmed during assessment.
Yes, in some cases. The security is structured to the transaction, and a second mortgage or caveat may be considered
Yes. Structured working capital for a defined purpose is a common use, alongside acquisition, refinance and growth.
We make human credit decisions, structure around the transaction rather than a template, and you deal with people you can reach. As a non-bank commercial lender, we focus only on business-purpose finance.
Important. Velonda Capital provides finance for business and commercial purposes only and does not provide consumer credit. Velonda is not a bank or authorised deposit-taking institution. Every application requires a signed declaration that the finance is wholly or predominantly for business or commercial purposes.
Start an application and move through a clear, secure process toward an indicative outcome.
