Commercial lending
Commercial finance negotiated on your terms
Buying premises, investing in commercial property or funding growth - we negotiate rates, terms and covenants across bank and specialist lenders.
How we help
Commercial lending is a negotiation, not a menu. Rates, loan terms, interest-only periods, covenants and review clauses are all in play - and the difference between a well-negotiated facility and an off-the-shelf one compounds every year you hold it.
We arrange finance for owner-occupied premises, commercial investment property, industrial units, retail, offices, and mixed-use assets - plus working capital and development funding through bank, mutual and private lenders.
Bank and non-bank access
Major banks for sharp pricing, specialist lenders for speed and flexibility - we run genuine competition for your deal.
Lease-doc & low-doc options
For investors, some lenders will assess servicing on the property's lease income alone - no full financials required.
Terms, not just rates
Longer loan terms, longer interest-only, fewer covenants, no annual reviews - we negotiate the clauses that matter at 2am.
SMSF & entity structures
Commercial property in super, trusts and companies - structured with your accountant and financed correctly.
The process
From first call to settled, step by step
Scope the deal
Asset, entity, income and timeline. We identify the lender categories that genuinely fit before anyone sees paperwork.
Terms comparison
Indicative terms from multiple lenders, compared on rate, term, IO period, covenants and fees - in one document.
Credit approval
We package financials, leases and valuations the way commercial credit teams want to see them.
Settlement & reviews
Facility settles; we track review dates and re-negotiate before the lender's annual repricing letter arrives.
Commercial lending
Put your commercial deal out to tender
We'll bring back comparable terms from multiple lenders - you choose.
- Takes about 60 seconds
- No credit check, no obligation
- A licensed broker reviews every enquiry personally
Common questions
Commercial Lending FAQs
Typically 20-35% depending on the asset type and lender - standard commercial property usually sits around 65-80% LVR. Owner-occupiers buying their business premises can sometimes borrow more, and SMSF purchases are usually capped near 60-70% LVR.
Put your commercial deal out to tender
We'll bring back comparable terms from multiple lenders - you choose.