Commercial Loans
Finance that moves your business forward
What are Commercial Loans?
Commercial mortgages secure offices, warehouses, retail units or specialised premises. Pricing and structure depend on the asset class, lease profile and borrower strength.
Full-doc: Lender assesses two years’ financials; up to 80 % LVR.
Lease-doc: Debt-service ratio driven by rental income; typically 65–75 % LVR.
Alt-doc: BAS or bank statements accepted; LVR up to 70 % with higher rate.
Terms range 5–25 years; interest-only periods are negotiable. GST funding or SMSF structures can be accommodated.
Your Commercial Loan Options
Eligibility Snapshot
- Australian company, trust, SMSF or individual borrower with an ABN
- Acceptable commercial security (office, warehouse, retail, industrial)
- Net rent or business profit must cover repayments (minimum 1.25× for lease-doc
What We'll Need to Get Started
- Two years' financial statements or latest four BAS
- Signed lease agreement (lease-doc only)
- Contract of sale or independent valuation
- Assets-and-liabilities statement for all directors/guarantors
- Photo ID and ATO portal statement
