Commercial property finance that moves at business speed.
Commercial finance is a different beast to residential lending. We know the market, the lenders, and how to structure deals that get approved.
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Enquire About Commercial Finance07 4599 4601Who this is for
We help business owners purchasing their commercial premises, investors adding commercial property to their portfolio, and businesses needing asset finance or development funding.
- Business owners buying their business premises (owner-occupied commercial)
- Commercial property investors (offices, retail, industrial)
- Developers funding small-scale commercial projects
- Businesses seeking equipment or asset finance
- Medical, dental, and professional practice buyers
What's included
- Office, retail, industrial, and mixed-use property finance
- Owner-occupied and investment commercial loans
- LVRs up to 70–75% for standard commercial
- Equipment and asset finance
- SMSF commercial property loans
- Short-term and bridging finance options
How it works: step by step
Enquiry & Brief
We discuss the property type, your business structure, the loan amount required, and your timeline. Commercial lending has more variables than residential.
Lender Research
We approach our commercial lending panel (including banks, non-banks, and private lenders) to find the right fit for your transaction.
Term Sheet & Indicative Approval
We secure a term sheet from the preferred lender outlining rate, terms, and conditions before you proceed.
Formal Application & Due Diligence
Full documentation submitted. Commercial lenders conduct their own valuation and due diligence. We manage this process.
Approval & Settlement
Once formally approved, we coordinate settlement with your solicitors and ensure conditions are met on time.
Eligibility at a glance
Eligibility varies by lender. Don't let these criteria put you off: we often find solutions that aren't obvious upfront.
- Registered business entity (company, trust, or sole trader)
- Minimum 30% equity/deposit for standard commercial (varies by lender and property type)
- Strong business financials demonstrating serviceability
- Commercial property in an acceptable location and condition
- Specific requirements vary significantly by property type and lender
Common questions
What interest rates apply to commercial loans?
Commercial rates vary by lender, property type, LVR, and loan term. They are generally 1–2% higher than equivalent residential rates, though well-structured deals with strong business financials can attract competitive pricing. We provide market-rate comparisons across our commercial panel as part of our research: there's significant variance between lenders on the same deal.
Can I use my SMSF to buy commercial property?
Yes. An SMSF can purchase commercial property, including business premises occupied by a related party (your own business). This is specifically allowed under super law, unlike residential property. The SMSF must borrow via a Limited Recourse Borrowing Arrangement (LRBA). We have access to SMSF-specialist lenders who understand the trustee documentation and compliance requirements involved.
What LVR can I get for a commercial property loan?
LVR limits for commercial property are typically 65–75% for standard office, retail, or industrial properties with a strong tenant and lease. Some lenders go to 80% for owner-occupied commercial with strong business financials. Industrial and specialised properties (petrol stations, childcare, hospitality) typically attract lower LVRs of 55–65%. We'll advise on realistic LVR expectations once we understand your specific property and business.
What documents do I need to apply for a commercial loan?
Commercial applications require significantly more documentation than residential: 2 years of business financial statements and tax returns, an accountant's letter confirming business income, business activity statements (BAS), a property description including lease terms (if tenanted), personal financial statements for all directors/guarantors, and details of all existing debts. For owner-occupied commercial, lenders also want to understand the business's ability to service the debt if the property becomes vacant.
How long does commercial loan approval take?
Commercial loan approval typically takes 4–8 weeks from initial application to formal approval, significantly longer than residential lending. The process includes valuation of the commercial property (which can take 2–4 weeks alone for complex or specialised properties), credit committee review, and due diligence on the tenant or business. We'll give you a realistic timeline at the outset so you can plan your transaction accordingly.
Should I buy commercial property in my personal name or a company/trust?
This is primarily a tax and asset protection question. Your accountant and solicitor should drive this decision, not your lender. That said, structure affects lending: lenders are generally more comfortable with established companies or trusts with financials than with a newly incorporated entity. Some lenders also require personal guarantees regardless of structure. We work with whatever structure your advisers recommend and find lenders whose credit policy aligns.
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