Commercial property, business loans, and equipment finance work differently to a home loan — the right structure depends on your industry, your cash flow, and what the asset is actually for. We'll match the finance to the business, not the other way around.
Buying the premises your business operates from, or a commercial property as an investment, generally involves lower maximum LVRs and shorter loan terms than residential lending — often 15–20 years rather than 30. We'll compare bank and non-bank lenders who specialise in the property type, whether that's an office, warehouse, retail space, or a specialised asset like a medical practice.
Short-term working capital, a line of credit, or a term loan to fund growth, stock, or a cash flow gap. Lenders assess these differently to a mortgage — often looking at business trading history and cash flow more than personal income — and approval can be considerably faster than property lending.
Vehicles, machinery, medical equipment, or industrial gear can usually be financed through a chattel mortgage, finance lease, or rental agreement. The right structure depends on how you want to treat the asset for tax and balance sheet purposes — something worth discussing with your accountant alongside us.
If timing doesn't line up — settling on a new commercial property before an existing asset sells, for instance — short-term bridging finance can cover the gap, usually at a higher rate that reflects the shorter, more flexible term.
Commercial lending is assessed differently to a home loan, and it helps to have these ready before we talk.
Typically 1–2 years of financials or BAS statements, though some lenders offer low-doc options for newer or cash-based businesses.
For equipment and property finance, the age, type, and resale value of the asset affects both the rate and the loan term available.
Sole trader, company, or trust — and whether directors are willing to provide a personal guarantee, which many commercial lenders require.
Commercial lending typically has lower maximum LVRs (often 65–75% rather than 90%+), shorter loan terms, and pricing that reflects the specific property or business risk rather than a standard rate card. Approval also weighs the business's financials more heavily than personal income alone.
Often not — many equipment and vehicle finance products lend up to 100% of the asset value, particularly for newer equipment with strong resale value. Older or specialised equipment may require a deposit or a larger balloon payment structure.
It's harder without trading history, but not impossible. Some lenders offer low-doc options based on bank statements rather than full financials, and asset finance is often more accessible than property lending for a newer business, since the asset itself secures the loan.
Property, equipment, or working capital — we'll help you work out the right structure.
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