Whether you're buying commercial property, expanding operations, or refinancing existing business debt — the right structure and lender can make a significant difference to your cash flow and growth.
We help businesses access the right finance across a wide range of commercial lending products.
Buy office, retail, industrial, or warehouse space. Up to 70–80% LVR depending on property type and lender.
Restructure existing commercial debt for improved cash flow or to release equity for growth.
Fund machinery, vehicles, medical equipment, IT infrastructure. Chattel mortgage, hire purchase, lease options.
Fund office or retail fitouts. Can be structured as commercial loan or business line of credit.
Business overdrafts, invoice financing, trade finance. Keep operations running smoothly.
For small-scale property development projects. Construction loans with staged drawdowns.
Commercial finance has unique characteristics compared to residential lending. Understanding these differences is key to a successful outcome.
Commercial loans have different assessment criteria than residential — business financials, trading history, property type all matter significantly in the lender's decision.
LVR is typically 60–80% for commercial (vs 80–95% for residential). This means you'll generally need a larger deposit or additional security.
Interest rates are generally higher than residential due to the increased risk profile. However, rates vary significantly between lenders — comparison is essential.
Loan terms are often shorter — 5–15 years vs 25–30 years for residential. Structuring repayments correctly is critical for cash flow management.
Security requirements may include personal guarantees, directors' guarantees, or additional collateral beyond the commercial property itself.
Different lenders specialise in different commercial sectors — matching your business to the right lender can make the difference between approval and decline.
Our 5-step process ensures your commercial finance is structured for success — from initial conversation to ongoing support.
We review your financials, goals, and existing debt structure to understand the full picture.
Different lenders specialise in different industries and property types. We know who suits your situation.
Loan structuring (P&I vs IO, fixed vs variable, multiple facilities) to optimise cash flow.
We handle the paperwork and liaise with the lender's commercial team on your behalf.
Annual reviews to ensure your commercial facilities still suit your evolving business needs.
Every application is different, but here's a general guide to what most lenders will require.
Last 2–3 years of business tax returns and financials
Business activity statements (BAS) — last 4–6 quarters
Current business plan or projections (for startups or expansions)
Details of the property or asset being financed
Personal financial position statement of directors/guarantors
Evidence of business trading history (minimum 2 years for most lenders; some accept less)
Don't worry if you're unsure — we provide a personalised checklist based on your specific situation and the lender requirements.
Our commercial lending experience spans many sectors. Here are some of the industries we regularly work with.
Clinics, practices, pharmacies
Cafes, restaurants, hotels
Shops, franchises
Law firms, accounting practices
Builders, tradespeople
Factories, distribution centres
Early learning, daycare facilities
Freight, courier, warehousing
This is not an exhaustive list — we've helped businesses across many sectors. Contact us to discuss your industry.
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One of our commercial lending specialists will review your business needs and be in touch within 48 hours. In the meantime, feel free to call us on 0480 03 03 03.
Expert answers to the questions we hear most from business owners and commercial borrowers.