Looking to buy commercial property, fund business operations or buy business equipment? We compare commercial loans from a range of lenders and help you choose the right one for your goals, whether you’re buying your own premises, investing or refinancing.
Find the Right Commercial Loan for Your Business.
Finding the right commercial loan starts with making the right choices, but when you’re busy running a business, it’s never that easy. That’s where we come in.
Whether you need to upgrade your warehouse space, expand stores or find a bigger office, we will help you navigate the commercial loan minefield, ultimately finding one that works for you.
How We Can Help Unlock Your Business Boom.
Financing Features
Achieving your business objectives starts with knowing exactly what you want. With our expertise, you can take advantage of cashflow finance, term loans, overdrafts and leasing finance.
Business Plan
I can help you gain a solid understanding of your business strategies and objectives. We’ll then start scouring the market to find you competitive rates and flexible long-term payment plans that are most suited to you.
Long-Term Loans
We’ll look at your long-term loan options so you can stay focused on your business, while setting yourself up for future success.
Loan Types and Features
Here are eight different loan types and features to be aware of. Once we’ve had a chat we can discuss which option might be best suited to your circumstances. We are here to help answer your questions when you’re ready.
As the name suggests, the interest rate can change over the life of the loan. This gives you flexibility but can also leave you open to interest rate rises. These loans usually offer more flexible features like unlimited additional repayments, redraw and offset accounts.
Basically, this is the opposite of a variable rate loan. Your interest rate and repayments will stay the same during the fixed term, no matter what. So no surprises.
A principal and interest loan is the most common type of loan, and it works exactly like it sounds: each repayment chips away at two things at once. Part of your payment reduces the actual amount you borrowed (the principal), while the rest covers the interest the lender charges for lending you the money. Early on, interest takes the lion’s share of each repayment, but as the loan balance shrinks over time, more of your money starts working on the principal instead. Stick with it for the full loan term and you’ll own the place outright, with no lump sum owing at the end, unlike an interest-only loan.
For a set period of time (often five to ten years) you only need to pay the interest on the loan, rather than the principal (base loan amount). This reduces the size of your repayments in the short term, but it might mean that it takes longer to pay off your total loan amount vs a principal and interest loan.
Your lender will agree to provide you with a credit limit and you can borrow up to that limit. Typically the interest rate will be higher than other alternatives due to the increased risk to the lender. You cannot get an overdraft with a fixed interest rate.
You can purchase commercial property through your SMSF. Trusts can also purchase a property. This is appealing to some people as separating ownership from your business provides asset protection.
If you are seeking to finance the purchase of new machinery, equipment or vehicles to support your business you’ll require an asset finance loan. We’ve helped finance everything from kitchen equipment to combine harvesters over the years.
If you haven’t quite saved up enough of a deposit then a commercial property guarantor loan could help you. This means a relative, your parents or a friend would use their property as security for your commercial property purchase.
Types of Commercial Loans for Property
Owner-Occupied Premises
This is where your business buys the building it operates from, such as a warehouse, workshop, office or clinic. Lenders mainly look at the strength of your business, because its profits will service the loan.
Commercial Investment Property
Here you buy a property to lease to someone else. In this case the lender focuses on the rent, the lease terms and the quality of the tenant, as well as your own income and assets. A long lease to an established tenant is usually viewed more favourably than a short lease or a vacant property.
Refinancing a Commercial Loan
Many commercial loans have shorter terms or periodic reviews, so refinancing is common. You might refinance when a term expires, to release equity or to get a sharper deal. We compare what’s available and manage the switch for you. See our refinancing page for how the process works.
What Lenders Look At
Every lender has its own policy, but in general terms most will assess:
- Loan-to-value ratio (LVR): commercial lenders usually want a bigger deposit than for a home loan, and the maximum LVR depends on the property and the lender.
- The lease and the tenant: the length of the lease, the rent, the tenant’s track record and any vacancy risk.
- Serviceability: whether business profits or rental income comfortably cover repayments, often tested with a buffer.
- The property itself: its location, zoning, condition and how easily it could be re-let or sold. Specialised properties can be harder to finance.
- Your financials: business and personal tax returns, financial statements, BAS and existing debts. Some lenders offer options with alternative documentation.
- Loan structure: the term, any review dates and conditions (covenants) the lender attaches to the loan.
Because policies vary, comparing commercial loans through a broker can save time and widen your options.
Costs to Budget For
On top of the deposit, buying commercial property usually involves:
- Stamp duty on the purchase (see Revenue NSW for NSW)
- A commercial valuation, which usually costs more than a residential one
- Lender establishment or application fees, and sometimes ongoing fees
- Legal fees for the purchase, the loan documents and any lease review
- Possible GST on the purchase price, depending on the property and the sale terms
GST, depreciation and the right ownership structure can make a real difference, so speak to your accountant early. Buying through a company, trust or SMSF each has different consequences.
Commercial Loans for Sutherland Shire Businesses
The Sutherland Shire has busy business precincts, and many local owners eventually want to stop renting. For instance, a trade or light industrial business might buy a unit in Taren Point or Kirrawee, while a medical or allied health practice might buy rooms near Caringbah or Miranda. Owning your premises can give you certainty about your location and let you build equity instead of paying rent.
We’re based in Bangor, NSW, so we know the local precincts. However, we also help business owners Australia-wide by phone and video. If you’d like to buy premises through super, see our SMSF loans page. For working capital or equipment, see business loans and asset finance. You can also read about our Sutherland Shire mortgage broker service.
Commercial Loans FAQs
Deposits and Approval
Usually more than for a home loan. The deposit depends on the lender, the property type, the lease and your financial position. We can tell you what current lenders are likely to require once we know the details.
Yes. Most commercial borrowers are business owners. Lenders usually want tax returns and financial statements, although some offer options with alternative documentation.
Structure and Refinancing
They often are, and some commercial loans have review dates where the lender reassesses the facility. We explain the term, reviews and any conditions before you sign.
In some cases, yes. Since 10 August 2026, new SMSF borrowing can no longer be used to buy residential property, but business real property can still be bought with a loan and leased to your business at market rent. Get advice from your financial adviser and accountant first.
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Lending criteria, fees and charges apply. Consider whether it is appropriate for you and speak to us for advice specific to your situation. Speak to your accountant or tax adviser about tax.
Need Some Help?
Not sure where to start? That’s exactly what we’re here for. Drop us a message and we will get back to you within one business day with clear, honest advice tailored to your situation.