Finance question
Can I get finance to pay rent or a lease bond?
Often yes. A commercial lease bond, a bank guarantee or rent in advance, which can run to several months of rent up front, can be funded so you secure the premises without draining working capital. It is usually raised against property equity at single-digit rates, or against assets you already own.
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The short answer
Take the lease without tying up your cash
Landing a good commercial site usually means finding a large lump sum before you have traded a day from it. A retail or industrial lease commonly asks for a bond or bank guarantee worth several months of rent, plus the first month in advance, all due at signing. Paying that out of working capital right when you are also fitting out and hiring can leave the business dangerously thin.
Financing the bond keeps that cash in the business. The funding is normally raised against property equity, which prices in single digits, or against plant and equipment you already own, which is secured and low-doc and can settle quickly across 40-plus lenders. Either way the premises are secured on time and your operating cash stays available for stock, wages and the move-in.
It pays to line this up before you sign. Knowing the bond, the guarantee and the advance are funded means you can commit to the site with confidence and negotiate from a position of readiness rather than scrambling for the deposit. We size the facility to the actual lease costs and your timeline, not a round figure.
Do you qualify?
What makes a lease bond fundable.
A commercial lease
A signed or offered lease with a bond or guarantee due.
Equity or assets
Property equity or owned plant to secure the funding.
An active ABN
New and established businesses can both apply.
A clear bond figure
The advance, bond or bank guarantee amount to fund.
Why financing the bond makes sense
Cash stays free
Working capital funds stock, fit-out and wages instead of a bond.
Secure the site on time
The bond or guarantee is ready when the lease needs signing.
Priced on security
Property-backed funding lands at single-digit rates, not unsecured pricing.
A real example
A cafe operator signs a new lease that asks for a bank guarantee of six months rent, about $54,000, plus a month in advance. Rather than empty the account before opening, the owner funds the bond against home equity at a single-digit rate, keeping cash for the fit-out and first wages. Illustrative only.
Common questions
Frequently asked questions
Can a lease bond or bank guarantee be financed?
Often yes. The bond, guarantee or rent in advance can be funded so you secure the premises without spending your working capital.
How is it usually secured?
Most often against property equity at single-digit rates, or against plant and equipment you already own.
Can a brand new business do this?
It can. Where property equity supports the deal, a new business can fund the bond on its first lease.
Should I arrange it before I sign?
Ideally yes. Having the funding lined up lets you commit to the site with the bond ready to go.