Frequently Asked Questions

Interest rates vary depending on the type of loan and your organisation’s financial assessment. We disclose all fees and interest rates upfront; therefore, contact a loan specialist at ALC today to see what interest rates you qualify for.

ALC Commercial currently offers loan products for development, construction, refinancing, leasing, working capital, debtor finance, rural property, self-employed individuals, franchises and tax relief. If your business has a financial need, we have the business funding to help. Contact a loan specialist for more information about our products and services.

Fees vary depending on the type of loan and your organisation’s financial situation. Contact a loan specialist to find out what associated fees there are with your loan.

ALC Commercial’s clientele often finds themselves in arrears on their properties. We understand that life happens and missed or late payments can occur. That is why we offer specialised financial products that help you get on track with your payments and recover financially.

Absolutely. Everyone falls on hard times, but ALC Commercial understands. If your business has struggled to make payments in the past or your credit file is less-than-perfect, we can help. Our specialists analyse every commercial loan on a case-by-case basis, which means you’ll get financial solutions regardless of your credit profile.

ALC Commercial believes that every business owner – including freelancers and contractors – should receive business funding when it’s necessary. Unlike banks, your employment status doesn’t penalise you from receiving funding. Our self-employed loan specialists can even help if you have bad credit.

ALC Commercial approves your loan over the phone. Funds are approved in 24 to 72 hours as long as you meet the prerequisites required for your loan. Once satisfied and you complete the ability-to-pay loan documents, we’ll deposit funds within as little as 24 hours into a nominated account.

ALC Commercial products start at $10,000. Our financial experts can inform you of your maximum qualified amount after we perform a brief business assessment over the phone.

It will all depend on your particular circumstances, financial histories, documentation, etc. Every application is taken care of case by case. We cannot guarantee the approval of every single loan application. However, we promise to help you find the right type of loan for your needs and work our absolute best to get your application approved.