Business Loan
From $10,000
Financing for working capital, expansion, equipment and other eligible business purposes.
Indicative term
6–84 months
Crestmont Lending
Financing structured around eligibility, affordability and purpose.
Crestmont provides business and commercial lending solutions with structured credit assessment, underwriting and approval controls.
Lending Products
Credit options for different business needs.
Final borrowing limits, pricing, terms and security requirements depend on verified financial information and underwriting.
Commercial Loan
Custom facility size
Larger facilities for established businesses requiring enhanced underwriting and structured repayment.
Approval
Enhanced credit review
Custom Finance
Eligibility-based
Financing structured around the applicant's verified circumstances, purpose, security and repayment capacity.
Facility size
Determined by underwriting
Credit Process
From application to disbursement.
Lending decisions move through defined credit stages rather than being controlled by a single employee.
01
Application
Borrower provides requested amount, purpose and initial financial information.
02
Eligibility & affordability
Crestmont assesses repayment capacity, existing obligations and other applicable risk information.
03
Underwriting
An authorised credit underwriter reviews the application and supporting evidence.
04
Credit decision
The application may be approved, conditionally approved, counteroffered, referred or declined.
05
Agreement & disbursement
Final conditions and contractual requirements must be completed before funds are released.
Credit Governance
Larger facilities can require higher approval authority.
Approval authority can be assigned by role and facility size so larger or exceptional exposures are escalated for senior credit review.
Loan Officer
Application management
Underwriter
Credit assessment
Senior Credit
Higher authorities
Credit Committee
Exceptional exposures