Commercial Loans
Commercial Loans
We provide bespoke commercial lending solutions for Australian business owners, investors, and developers focused on strategic growth.
Whether you are acquiring commercial property or refinancing an existing asset, we provide independent advice and access to a broad panel of lenders to secure competitive and strategically aligned funding.
Commercial finance is complex — our role is to simplify it, structure it correctly, and negotiate it professionally on your behalf.
Commercial property loans are a key component of long-term wealth creation and portfolio growth. Unlike residential lending, commercial finance requires a more strategic approach, considering income generation, lease structures, tenant strength, and asset performance.
Our role is to ensure your loan is not only approved — but structured correctly to support cash flow, tax efficiency, and future scalability.
Lenders including specialist commercial and non-bank lenders on our panel.
Commercial Loan Features
- LVR up to 70–80% (property dependent)
- Variable and fixed rate options
- Interest-only periods available
- Loan terms typically 10–25 years
- Full doc and low doc options
- Lease income considered in serviceability
Who this benefit.
Business owners buying their own premises, property investors seeking commercial yields, developers funding construction or subdivision projects, and existing commercial property owners looking to refinance.
Types of Commercial Finance We Arrange
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Commercial Property Loans
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Owner-Occupied Commercial Premises
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Commercial Investment Loans
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Development & Construction Finance
How We Help With Your Commercial Lending Process
Strategic Consultation
We start by understanding your business in detail to ensure the funding solution aligns with your operations and growth plans. Every business is different — and so is the right lending strategy.
- Your business structure
- Purpose of funds
- Cash flow position
- Financial performance
- Existing commitments
- Short and long-term business goals
Financial Review
We conduct a detailed financial review to ensure your application is strong, accurate, and aligned with lender expectations.
- Business financials
- Bank statements
- BAS statements (if applicable)
- Cash flow position
- Existing liabilities
- Serviceability
Lender Selection & Structuring
We explore a wide range of funding options and structure your facility to match your business operations, cash flow, and future plans.
- Major bank options
- Second-tier lenders
- Specialist business lenders
- Private funding (if appropriate)
We determine the most suitable structure to ensure flexibility and efficiency for your business.
- Loan vs overdraft suitability
- Fixed vs variable options
- Repayment structure
- Facility limits
- Security requirements (if applicable)
Application & Credit Submission
We prepare a comprehensive and well-structured application to present your business in the strongest possible way to lenders.
We prepare and submit a comprehensive application to the selected lender, ensuring:
- Strong presentation
- Clear financial position
- Alignment with lender policy
Approval & Facility Setup
Once submitted, the lender begins assessing your application. We manage the entire process and ensure smooth communication throughout.
The lender will typically require:
- Financial verification
- Banking conduct review
- Credit assessment
Funding & Activation
Once approved, we coordinate the final steps to ensure your funding is activated smoothly and efficiently.
Once approved:
- Loan funds are released or overdraft facility is activated
- Accounts are established
- Access to funds is provided.
Options Available
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Owner-Occupied Commercial
Buy the premises your business operates from. Interest is generally tax-deductible and ownership builds equity rather than paying rent to a landlord.
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Commercial Investment
Purchase commercial property as an investment — shops, offices, warehouses. Commercial yields are typically higher than residential but assessment criteria is more complex.
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Development Finance
Fund construction of commercial, residential, or mixed-use projects. Drawn down in stages as the build progresses — specialist lenders and structuring required.
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Commercial Refinance
Review your existing commercial loan — better rates, improved terms, or accessing equity for growth. We benchmark your current deal against the full market.
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Industrial & Warehouse
Specialist finance for industrial facilities, logistics hubs, and manufacturing premises. Valuation and LVR criteria differ from standard commercial.
Mixed-Use Property
Properties combining residential and commercial components require careful structuring. We identify lenders who understand and price these correctly.
What You Generally Need
Who Can Apply✦ Eligible
- Australian business owners and companies
- Self-employed applicants
- Property investors (commercial assets)
- Trusts and SMSFs (with restrictions)
- Developers and builders
Documents Required✦ Needed
- 2 years business financials (P&L, balance sheet)
- Business and personal tax returns
- Lease agreements (if investment)
- Property details and valuation
- ATO portal summary or BAS statements
Commercial Loans
Typically, 20–35%, depending on property type, lease profile, tenant strength, and lender policy.
Commercial approvals typically take 3–6 weeks, depending on complexity, lender turnaround times, and valuation requirements.
Commercial loans are generally structured over 15–30 years, often with shorter review periods (e.g. 3–5 years).
Secure the Right Structure
Whether managing cash flow, funding growth, or strengthening your financial position, structured business finance can support your operations when implemented correctly.
Book your complimentary review today to explore your business lending options.
AKA Finance Group — Finance, Structured Around You.
Other Services
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Refinancing
Review and improve your current loan
Investment Loans
Grow your property portfolio
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Commercial Loans
Finance for business premises
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Personal Loans
For purchases, renovations and more
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Asset & Equipment
Finance for business assets
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SMSF Loans
Property via superannuation
Ready to Get Started?
Contact a broker today — obligation free and at no cost to you.
AKA Finance Group -
'Finance Structured Around You'
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