Commercial Property Finance
We're trusted commercial property finance brokers, helping ABN holders, businesses and owner-operators secure commercial property loans with fast approvals up to $500,000. Rather than relying on a single bank or dealership, we compare major banks and non-bank lenders, negotiating low interest rates, fees and repayments. From application to settlement, we manage the entire process for a hassle-free experience.
Free No-Obligation Quote
Compare options with 80+ lenders. No credit impact.
Commercial Property Finance Australia
What is Commercial Property Finance?
Commercial Property Finance is a financing solution that helps businesses purchase, refinance, renovate, or expand commercial premises. Whether you're buying an office, retail shop, warehouse, industrial property, medical suite, or other business premises, commercial property finance can provide the funding needed to secure the right property for your business.
We offer access to a range of commercial property finance options tailored to business owners and self-employed borrowers. With flexible lending solutions available, we can help you purchase owner-occupied premises, rental offices, retail spaces, warehouses, and other commercial properties that support your business goals.
Is Commercial Property Finance Right for You?
Commercial property finance may be suitable if you're looking to:
• Purchase a commercial property such as an office, retail shop, warehouse, or industrial premises.
• Buy business premises rather than continue leasing, giving you greater control over your operating location.
• Purchase a rental commercial property to generate income and build long-term assets.
• Renovate or upgrade a commercial property to improve functionality, efficiency, or value.
• Refinance existing commercial property finance to access better terms or unlock equity for future opportunities.
Whether you're purchasing your first commercial premises or expanding your property portfolio, commercial property finance can help you secure the right space for your business and future growth.
Commercial Properties We Finance
We arrange finance for all major commercial property types:
- Commercial Offices
- Office Buildings
- Retail Shops & Shopfronts
- Industrial Properties
- Industrial Units
- Showroom Offices
- Warehouses
- Medical Suites
- Boarding Houses
- Childcare Centres
- Factories
- Commercial Investment Properties
Same-Day Commercial Property Finance — Fast Approvals
When cash flow can't wait, speed matters. We submit commercial property finance applications in the format each lender's credit team expects, cutting processing time and avoiding unnecessary back-and-forth.
Simple deals with 6+ months of trading history can receive same-day approval. With decisions available in as little as 24 hours and funds released within 1–2 business days, you won't lose an opportunity waiting on a bank. Subject to lender approval.
Send us your details and we'll confirm your borrowing capacity, rate and estimated repayments upfront — at no cost and no obligation.
Why Use a Business Finance Broker?
A broker compares commercial property finance options across major banks, non-bank lenders and specialist funders — so you get a competitive rate without applying to multiple lenders and damaging your credit file.
What can a broker offer that a bank cannot?
New ABN & Low Doc
Commercial Property available from day one of your ABN, with low doc options up to $500k without full financial statements for eligible applicants.
All Credit Profiles
Solutions for businesses with defaults, past credit issues or circumstances that fall outside standard bank lending criteria.
Unsecured Options
Many commercial property finance products require no property or asset security — borrow based on your cash flow and trading history.
Multiple Lenders, One Application
We match your commercial property finance profile to the right lender first time. No scatter-gun applications, no multiple credit enquiries on your file.
Cash Flow–Based Lending
Approval is based on your business revenue and bank statements, not just assets or property equity — which opens doors banks won't.
Speed
Applications submitted in the format a particular credit team expects move faster. Same-day approvals are achievable on straightforward deals.
Protecting Your Credit File
A broker who knows which lender fits submits once. Multiple enquiries in a short window can work against you — we avoid that.
Preserving Your Bank Facilities
Arranging commercial property finance through a non-bank lender keeps your overdraft and other bank lines free for day-to-day operations.
Structuring Options
Loan term, repayment frequency and draw-down structure shaped around your cash flow cycle rather than a standard template.
Why Choose Us?
A selection of options available for this type of finance.
- 100% free service — no hidden fees or costs, ever
- 30+ years experience and industry knowledge
- Australian family-owned and operated
- We save every client hundreds to thousands of dollars
- No wait times, direct access to Simon every time
- We can beat bank, dealer and competitor quotes
- We guarantee clear title transfer
- We protect what matters—your credit score
- We build trust by being honest and transparent
- Established, new and 1 day ABNs
- Expert and strategic negotiation approach
- Solutions for various credit profiles
- Tax benefits (asset depreciation)
- Built a loyal client base due to our rates & service
- Support for the lifetime of your business
Can't Be Beaten On Price Or Service
Looking for the best deal on commercial property finance? We service all major cities and surrounding areas in: NSW, VIC, QLD, WA, SA, TAS, ACT and NT.
What To Expect When Working With Us
Our Simple Process
From your first enquiry to finance approval, settlement and ongoing support — no call centres, no handovers, no unnecessary paperwork.
- 01
Tell Us What You Need
Speak to our team about the commercial property you're looking to purchase, refinance, or develop. We'll assess your needs and identify the most suitable finance options.
- 02
We Compare Lenders
We compare commercial property finance options from 80+ lenders to find the best rates, terms, and loan structures for your property type and business situation.
- 03
Approval & Settlement
Once approved, we manage the documentation and coordinate with all parties to ensure a smooth and timely settlement.
- 04
Ongoing Support
We stay involved after settlement to assist with any future refinancing, equity release, or additional property finance requirements.
Better rates. Smarter finance. Bigger opportunities.
One purchase or a bigger funding plan — start with a free conversation.
Reviews
What Our Clients Say
★★★★★ 5.0 / 5 based on our Google reviews
FAQ
Commercial Property Finance — Frequently Asked Questions
Common questions about this type of finance — answered.
What is a commercial property loan?
A commercial property loan is used to purchase, refinance or develop commercial real estate -- including offices, warehouses, retail premises, industrial properties and mixed-use buildings. Terms, LVRs and rates differ significantly from residential mortgages.
How much deposit do I need for a commercial property loan?
Commercial property loans typically require a 25-35% deposit (LVR of 65-75%). Some lenders offer higher LVRs for owner-occupiers with strong business cash flow.
What are current commercial property loan rates?
As at 2026, indicative owner-occupier commercial rates start from around 6% p.a. for prime assets. Investment and SMSF loans are priced higher. We compare across our full lender panel to find the most competitive rate for your deal.
Can I buy my business premises through my SMSF?
Yes. You may be able to purchase your business premises inside an SMSF and lease it back to your business at market rent. SMSF commercial property lending has specific rules -- speak to your SMSF advisor and contact us to discuss lending options.
How is serviceability assessed for a commercial property loan?
Lenders assess business cash flow, the property's income potential, your trading history, credit profile and the property's location and condition. Owner-occupiers and investors are assessed differently.
Why should I use a broker for a commercial property loan?
Commercial lending is more complex than residential mortgages. A broker compares major banks, regional banks, non-banks and private lenders to match your deal to the right lender -- making a significant difference to both approval and rate.
Is a deposit required?
No deposit is required for eligible ABN holders with a strong credit and trading profile. A deposit can help improve your rate or secure approval if your credit profile is less straightforward.
Can I finance a used asset?
Yes. Finance is available for new and used assets. Age limits vary by lender and asset type. We identify the right lender for your specific asset.
How quickly can I get approved?
Most applications receive a decision within 24–48 hours. Once approved, your pre-approval is valid for 90 days.
Can I get low doc finance?
Yes. Low doc (no financial statements) finance is available up to $500,000 for eligible ABN holders. We typically need your ABN, driver's licence and bank statements.
Can I finance from a private seller?
Yes. We arrange finance for assets purchased from private sellers anywhere in Australia. The lender pays the seller directly on settlement.
Can I finance with bad credit?
Yes. Specialist lenders on our panel consider applicants with a range of credit profiles, including those who have been declined by banks.
What is the typical loan term?
Loan terms typically range from 2 to 7 years depending on the asset type, value and your cash flow requirements.
Can I refinance existing finance?
Yes. Refinancing can reduce your rate, lower repayments or release equity. We compare refinance options across 80+ lenders.
Are repayments tax-deductible?
Interest repayments under a chattel mortgage are tax-deductible. You can also claim depreciation on the asset and GST upfront. Speak with your accountant about your specific situation.
Is insurance required?
Yes. Most lenders require comprehensive insurance before settlement. We can assist with arranging cover.
Can I use a balloon payment?
Yes. A balloon payment reduces monthly repayments by deferring a lump sum to the end of the term. We size it to match the asset's expected resale value.
Does applying affect my credit score?
No. Submitting an enquiry with us doesn't affect your credit score. We only proceed to a formal credit application with your explicit approval.
What is the minimum loan amount?
Most lenders have a minimum of $10,000–$20,000 for asset finance. We'll confirm the minimum for your specific asset type.
Can I get pre-approval?
Yes. Pre-approval locks in your borrowing limit and indicative rate for 90 days — ideal before buying from auction or a private seller.
Lending Panel
Access to 80+ Lenders In One Place
Overdrive Commercial Funding is directly accredited with all major banks, commercial non-bank, specialist and private lenders.
