COMMERCIAL LOANS

A commercial loan is used to buy or develop property for business purposes such as offices, warehouses, or retail spaces, or to refinance existing commercial mortgages.

Owner-occupied loans may require little or no deposit, while investment property loans typically need 35–60% upfront. Loan terms usually range from 5 to 15 years, with options for interest-only or principal and interest repayments, tailored to your business’s cash flow and goals.

Plant and Equipment FINANCE

We tailor loans to your financial situation, with flexible repayment schedules to match your cash flow. From construction machinery and manufacturing equipment to specialized tools and technology, we’ve got you covered.

Property DEVELOPMENT FINANCE

Property development finance can make your commercial or residential project more achievable by providing short-term funding - typically up to three years, to convert land or existing properties into apartments, housing developments, or commercial builds. These loans are usually secured against the land or property and may require pre-sales as part of the lending conditions.

From small unit conversions to large-scale developments, Vega is here to help you navigate the process and bring your property vision to life with confidence and clarity.

Working Capital

Working capital loans help cover the day-to-day costs of running a business, such as payroll, inventory, operations, and marketing, especially when cash flow is delayed. Whether you're managing seasonal fluctuations, navigating growth, or waiting on international payments, a working capital loan can bridge the gap.

Working capital is a key indicator of business health, but even thriving businesses can face short-term cash flow challenges. Things like rapid growth or delayed customer payments, especially in global markets can strain resources. 

COMMERCIAL VEHICLE Finance

Managing a fleet, whether it is handful of essental assets or a large scale operation, requires reliable and flexible financing. We can provide tailored fleet finance solutions designed to meet the unique needs of your business-helping you grow while managing cashflow effectively.