Commercial and business
Commercial property and business loans
From a first warehouse unit to buying a business, commercial lending works differently from home loans. We help you understand the deposit, the lease and the lender's view before you commit.
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Who this suits
- You're buying an office, warehouse, shop or factory unit
- Your business is buying its own premises
- You're buying a business or need working capital
- You need equipment or vehicles for the business
How it works
- The property and the leaseLenders look closely at the lease, the tenant and the zoning.
- Deposit and securityCommercial loans usually need larger deposits, though equity in other property can help.
- Business financialsTwo years of financials, or other evidence depending on the lender.
- Terms and reviewsCommercial loans can have shorter terms and periodic reviews, so we plan for those.
Things worth knowing
The lease drives the value
A long lease to a solid tenant supports the valuation. A vacant property is harder to finance.
Expect a bigger deposit
Commercial loans commonly need 30% or more, although using other security can reduce the cash you need.
Terms are often shorter
Some commercial loans are reviewed every few years, so understand what the lender can change.
Documents you'll usually need
- Two years of business financials and tax returns
- Recent BAS statements
- Lease agreements
- The contract of sale
- A business plan, for acquisitions
- Photo ID for all borrowers and guarantors
We'll confirm exactly what your lender needs, so you don't gather anything twice.
Calculators for this
Questions
How much deposit do I need for commercial property?
Often 30% or more, depending on the property, the lease and the lender. Using equity in other property can reduce the cash needed.
Can my SMSF buy commercial property?
Yes, with strict rules. See our SMSF loans page.
Do you arrange equipment finance?
Yes. See car, personal and equipment finance.
General information only. It doesn't consider your objectives, financial situation or needs. Lending criteria, fees and charges apply.
Ready when you are.
Book a 20-minute call. We'll listen first, explain your options in plain English, and tell you what we'd do next.