05 / SERVICES
BUSINESS &
COMMERCIAL
Commercial property, business acquisitions and working capital. Finance assessed around the asset, business performance and purpose of the funding.
HOW IT WORKS
LENDERS READ THE BUSINESS, NOT JUST A SCORE.
Buying commercial property, acquiring a business and funding growth each involve different lending considerations. Depending on the purpose, lenders may assess trading performance, cash flow, property security, leases and the people behind the business. We explore suitable finance options across a range of industries.
GOOD TO KNOW
FLEXIBLE SECURITY
Property, business assets, or unsecured.
LARGER DEPOSITS
Usually more than a home loan, depending on the property and tenant.
VARIED TERMS
Terms and reviews vary by facility and lender.
MORE THAN A CREDIT SCORE
Cash flow, financial statements, security and business performance can influence approval.
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FIRST HOME BUYERS
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WHAT WE COVER
FIRST HOME BUYERS
From pre-approval to settlement day, including government schemes.
Selling and buying in the right order.
Upgrading and downsizing
Buying your next home before the current one sells.
Bridging finance
Refinancing
A sharper rate or a better structure, with switching costs weighed first.
SELECT FOR DETAILS
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BUSINESS LOANS & REFINANCING
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WORKING CAPITAL
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BUYING A BUSINESS
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COMMERCIAL PROPERTY
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WHAT WE COVER
THE PROCESS
01
DISCOVERY CALL
Your goals, circumstances and timeframe
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Preliminary review
Position and borrowing options reviewed
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Strategy
Lenders and structure compared
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Application
Prepared and submitted to the chosen lender
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Approval & settlement
Coordinated to settlement
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Ongoing support
Loan reviewed as your needs change
COMMON QUESTIONS
HOW MUCH DEPOSIT DO I NEED FOR COMMERCIAL PROPERTY?
A deposit of around 20–35% is a useful starting point for many commercial property purchases, equivalent to borrowing roughly 65–80% of the accepted value. The required contribution may be higher for specialised properties, short leases or weaker borrower profiles. Higher-leverage specialist finance can exist, but typically has tighter conditions or greater cost. Allow separately for duty, GST where applicable, legal fees and valuation costs.
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CAN MY SMSF BUY MY BUSINESS PREMISES?
An SMSF may be able to purchase eligible business premises, including from a related party in certain circumstances. Strict superannuation rules apply, and related-party leases generally need to be on commercial terms. Borrowing adds further restrictions, so specialist legal, tax and financial advice is essential.
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CAN I BORROW THROUGH A COMPANY OR TRUST?
Yes. Some commercial and business loans are available to companies and trusts, subject to the lender's policy and the borrower's circumstances. Lenders may request financial statements, trust deeds and personal guarantees. Borrowing through an entity does not automatically remove personal liability, and ownership and tax decisions should be discussed with a solicitor and accountant before proceeding.
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DO I NEED PROPERTY TO GET A BUSINESS LOAN?
No. Unsecured business loans may be available without a mortgage over your home or commercial property. Lenders typically assess business revenue, trading history, cash flow and existing debts, and may require a director's personal guarantee.
Unsecured loans generally have higher interest rates, smaller limits and shorter repayment terms than property-secured lending. Equipment finance is another option where the vehicle or machinery itself provides security.
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WHAT DOCUMENTS DO I NEED FOR A BUSINESS LOAN?
For an established business, lenders commonly request the last two years of financial statements and tax returns, recent BAS, business bank statements and details of existing debts. Some lenders accept shorter histories or alternative documentation.
Commercial property purchases may also require the contract, lease details, rental income and a valuation. Business acquisitions can involve the target business's financial records and purchase agreement. The exact requirements depend on the transaction and lender.
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HAVE ANOTHER QUESTION? BROWSE THE FAQ
LET'S TALK.
YOU MIGHT ALSO NEED
SELF-EMPLOYED
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VEHICLES, ASSETS & EQUIPMENT
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CONSTRUCTION & RENOVATION
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