Finance for your
business property
From office spaces and retail shops to industrial warehouses and development sites – we connect you with specialist commercial lenders.
What can commercial lending fund?
Flexible solutions for businesses of all sizes
Office & Retail
Purchase or refinance office spaces, shops, and showrooms.
Industrial & Warehouses
Factories, storage facilities, and distribution centres.
Hotels & Hospitality
Hotels, motels, pubs, and restaurants.
Rural & Agricultural
Farms, orchards, and agribusiness properties.
Development Sites
Land and construction finance for property developers.
Commercial vs residential lending
Key differences to understand
| Feature | Residential | Commercial |
|---|---|---|
| Maximum LVR | Up to 95% (with LMI) | Typically 65% – 80% |
| Interest rates | Lower (e.g., 6‑7%) | Higher (7‑9%+ depending on risk) |
| Loan term | Up to 30 years | 15 – 25 years, often with review clauses |
| Assessment focus | Personal income & credit | Business financials, rental yield, property cash flow |
| Loan structure | Principal & interest or interest-only | Often interest-only with balloon payment |
How we help you secure commercial finance
A structured approach for complex lending
1
Business & property assessment
We review your business financials, property details, and borrowing needs.
2
Lender matching
We tap into our panel of specialist commercial lenders (banks, non‑banks, private).
3
Loan structuring
Advise on interest-only periods, loan terms, and security arrangements.
4
Submission & settlement
We prepare a full application, negotiate terms, and manage settlement.
Real client success
How we helped a client finance an industrial warehouse
📦 Scenario: A manufacturing business needed to purchase a $2.5M warehouse. They had 20% deposit but complex company structure.
✅ Solution: We sourced a non‑bank lender offering 75% LVR at 7.2% with a 20‑year term and interest‑only first 5 years.
🏆 Outcome: Settlement completed in 6 weeks, business now operating from owned premises with improved cash flow.
✅ Solution: We sourced a non‑bank lender offering 75% LVR at 7.2% with a 20‑year term and interest‑only first 5 years.
🏆 Outcome: Settlement completed in 6 weeks, business now operating from owned premises with improved cash flow.
Typical commercial lending parameters
Rates and terms vary based on property type and risk
| Property type | Typical LVR | Interest rate (approx) |
|---|---|---|
| Standard commercial (office/retail) | 70% – 80% | 7.5% – 8.5% |
| Industrial warehouse | 65% – 75% | 7.0% – 8.0% |
| Development site | 60% – 70% | 8.5% – 10%+ |
| Hotels / hospitality | 55% – 65% | 8.0% – 9.5% |
💡 Important: Commercial loans often require a valuation and environmental report. We help coordinate these steps to avoid delays.
Frequently asked questions
What deposit do I need for a commercial loan? +
Typically 20‑35% (LVR 65‑80%). Higher LVRs may be possible with strong business financials or additional security.
Can I use the rental income from the commercial property to qualify? +
Yes, most commercial lenders assess the property's net rental yield. We'll need a current lease agreement.
How long does commercial loan approval take? +
Typically 4‑8 weeks, depending on valuation, legal reviews, and complexity of financials.
Can I refinance a commercial property? +
Absolutely. Refinancing can lower your rate, release equity, or restructure debt – we compare options across our lender panel.