Empower Your Business With Commercial Property Finance

Finance warehouses, retail shopfronts, office suites, or industrial land. Structured lending solutions for owner-occupiers, investors, and SMSF commercial buyers across Australia.

--- Asset Classes ---

Commercial Asset Finance Categories

Financing options tailored to diverse commercial property types and business uses.

High Demand

Industrial & Warehouses

Secure prime industrial units, logistics hubs, factories, and storage facilities with flexible terms.

Corporate

Office Buildings & Suites

Purchase strata office suites or freestanding commercial office spaces for owner-occupation or investment.

Retail

Retail Shops & Strip Centers

Fund retail strip shops, shopping center units, restaurants, and showroom facilities with lease-backed security.

Development

Commercial Land & Sites

Aquire zoned commercial land or fund site acquisition for future commercial construction projects.

--- Owner-Occupier Advantage ---

Stop Paying Rent to a Commercial Landlord

Transition your business from renting to owning its premises. Build equity in your own commercial property while keeping lease payments inside your business balance sheet.

Higher Loan-to-Value Ratios (LVR)

Access up to 80% LVR for owner-occupied business properties.

Longer Loan Terms

Enjoy loan terms up to 25 or 30 years to stabilize monthly cash flow.

Tax Deductible Interest

Potential tax benefits on interest expenses and property depreciation.

--- Expert Broker Support ---

Navigating Complex Commercial Bank Terms

Commercial lending differs significantly from residential mortgages. Lenders evaluate lease terms, tenant quality, weighted average lease expiry (WALE), and property condition. We present your deal to match bank credit criteria.

Access to Specialist Lenders

Tap into major banks, second-tier institutions, and private lenders.

No Annual Review Products

Secure loans without stressful annual bank re-evaluations or covenant checks.

Tailored Debt Structuring

Balance principal and interest with interest-only periods to optimize cash flow.

--- OUR LENDING PANEL ---

Your bank isn't your only option. Compare 40+ lenders for a better deal.

We compare a wide range of lending options to help you find a finance solution that suits your goals and circumstances.

--- 4 Step Process ---

4 Steps To Commercial Settlement

From initial deal review to commercial property settlement.

Initial Strategy Session

We review property details, lease schedules, business financial history, and target funding terms.

Credit Modeling & Pitch

We structure a detailed commercial credit proposal presented directly to specialized credit underwriters.

Commercial Valuation

Instruction of commercial panel valuers to inspect property yield, tenant lease, and market value.

Formal Settlement

Final loan document execution, fund transfer, and successful commercial property settlement.

--- Got Questions? ---

Commercial Property FAQ'S

Answers to common commercial deposit, LVR, valuation, and lease verification questions.

What deposit is required for a commercial property loan?

Most commercial property loans require a 20% to 30% deposit (70%-80% LVR), depending on property asset type, location, and whether it is owner-occupied or investment.

What is WALE and why do commercial lenders care?

WALE stands for Weighted Average Lease Expiry. Lenders use it to measure rental stability and vacancy risk when evaluating commercial investment property income.

Can I buy a commercial property using my SMSF?

Yes, Self-Managed Super Funds can purchase commercial real estate through a Limited Recourse Borrowing Arrangement (LRBA), provided it meets sole-purpose investment test rules.

What is a Low Doc commercial property loan?

A Low Doc commercial loan allows self-employed business owners to verify income using BAS statements or accountant letters instead of full tax returns.

LET'S TALK

Ready To Expand Your Commercial Portfolio?

Talk with our commercial lending brokers today to structure competitive commercial property financing.