Best for
Where this fits.
- Business owners buying the premises they operate from
- Commercial property investors acquiring income-producing assets
- Businesses refinancing commercial loans with terms that no longer suit
Commercial Loans
Commercial property finance done properly
We understand the covenant requirements, valuation processes, and longer timelines that come with commercial lending.
- We understand commercial lending covenants and conditions
- We compare lenders on their treatment of different property types
- We manage the full transaction including valuations and legal work
How it moves
What happens next.
- 1 Assess the property and business
We review the property type, lease income, your business financials, and the deal structure.
- 2 Compare commercial lenders
Commercial lending policy varies widely. We find lenders who understand your property type and business profile.
- 3 Manage the transaction
Commercial deals involve valuations, legal work, and more moving parts. We coordinate it all.
FAQ
Quick answers.
How is a commercial loan different from a residential loan?
Commercial loans are assessed on business cash flow and property income rather than personal salary. Terms are shorter, pricing structures differ, and covenant conditions can significantly affect your flexibility.
How much deposit do I need for a commercial loan?
Typically 20-30% depending on the property type, your business financials, and the lender. Some lenders may accept less with additional security.
How long does a commercial loan take?
Typically 4-8 weeks. Commercial valuations and legal work take longer than residential, so we recommend planning accordingly.
Can I buy commercial property through my SMSF?
Yes, through a Limited Recourse Borrowing Arrangement. We can help coordinate this - see our SMSF loans service for more details.
Start enquiry
Tell us the scenario. We will map the next step.
One enquiry. Human direction. No duplicated paperwork before the fit is clear.
Start Enquiry