How much can I borrow for a business loan?

Business loan amounts typically range from $20,000 to $5 million or more, depending on the lender, loan type and your business financials. Unsecured loans up to $500k are available for eligible businesses.

What is an unsecured business loan?

An unsecured business loan doesn't require property or assets as security. Approval is based on business revenue, cash flow and credit profile. These are faster to approve but may carry slightly higher rates than secured options.

How fast can I get a business loan?

Same-day and next-day business loan funding is available for eligible businesses. We work with lenders who can approve and settle within hours for urgent cash flow requirements.

Can I get a business loan with bad credit?

Yes. We work with specialist lenders who consider businesses with adverse credit history. Options include secured and unsecured loans with flexible criteria. Contact us to discuss your situation confidentially.

What can I use a business loan for?

Business loans can be used for working capital, stock purchases, equipment, staff wages, marketing, tax obligations, expansion costs, bridging cash flow gaps and more. Most lenders do not restrict the use of funds.

What is the difference between a secured and unsecured business loan?

A secured business loan requires assets such as property, equipment or receivables as collateral — this typically results in lower interest rates and higher borrowing limits. An unsecured business loan is approved based on cash flow, revenue and credit profile, with no collateral required, but rates are usually slightly higher.

Can I get a business loan for a startup or new business?

Yes, subject to lender criteria. Some lenders offer startup and early-stage business loans based on the director's personal credit profile, industry experience, or the strength of contracts and purchase orders in hand. Contact us to discuss what's available for your specific situation.

What is a business line of credit?

A business line of credit gives you access to a pre-approved amount of funds that you can draw on as needed and repay over time. Interest is charged only on the amount drawn, not the full limit — making it a flexible tool for managing cash flow, unexpected costs or short-term working capital needs.

Lowest Rates in Australia

Trusted by 10,000+ Businesses

Commercial Property Loans Australia

Commercial Property Finance

Name: Overdrive Funding
Address: 54 Miller St, North Sydney, NSW, 2060, AU
Telephone: +61417000316
Price range: Free
Rating: 5

Looking to purchase commercial property? Our flexible commercial property loans help businesses and investors secure the funding they need, with loan structures tailored to their property goals and cash flow requirements.

0417 000 316

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Commercial Property Loans For Businesses & Investors

What is a Commercial Property Loan?

A Commercial Property Loan 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, a commercial property loan 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 a Commercial Property Loan Right for You?

A commercial property loan 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 an existing commercial property loan to access better terms or unlock equity for future opportunities.

Whether you're purchasing your first commercial premises or expanding your property portfolio, a commercial property loan can help you secure the right space for your business and future growth.

Commercial Properties We Finance

Commercial Offices

Office Buildings

Retail Shops & Shopfronts

Industrial Properties

Industrial Units

Showroom Offices

Warehouses

Medical Suites

Boarding Houses

Childcare Centres

Factories

Commercial Investment Properties

Our commercial property loan offers:

The ability to borrow up to 100% of the purchase price to buy your own practice premises^

Competitive commercial property loan interest rates

Fixed, variable and line of credit options to choose from

Loan terms up to 30 years

Flexible loan structures including interest-only repayments for up to 10 years

Structure the loan through an SMSF, partnership, company or trust entities

Our Simple Process

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.

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Industries

We've Supported Businesses Across Every Major Industry

Strengthening operations, navigating challenges, and achieving lasting, sustainable growth.

Transport & Logistics

Transportation businesses use finance to manage the high cost of trucks, trailers, fuel, maintenance, and day-to-day operations. Funding helps operators purchase or upgrade vehicles, expand fleets, and cover cash flow gaps caused by delayed payments.

Construction & Civil

Construction and earthmoving businesses rely on finance to manage high upfront costs, heavy machinery purchases, equipment upgrades, maintenance, materials, labour, and ongoing project expenses.

Agriculture & Farming

Agriculture and farming businesses rely on finance to manage high upfront costs and seasonal cash flow demands — tractors, harvesters, irrigation systems, livestock, and other essential equipment.

Forestry & Logging

Forestry and arboriculture businesses rely on finance to manage the high cost of specialist equipment, vehicles, and ongoing operational expenses such as harvesters, chippers and stump grinders.

Mining & Quarrying

Mining and quarrying businesses rely on finance due to the high cost of heavy equipment, long project cycles, and significant upfront capital required for extraction and production.

Manufacturing, Woodworking & Mechanical

Manufacturing, woodworking and mechanical businesses rely on finance to manage the cost of machinery, equipment, materials, and ongoing production expenses.

Professional Services

Professional service businesses across IT, medical, dentistry, hospitality and cleaning businesses rely on finance to manage setup costs, vehicle and equipment purchases, and working capital.

Trades

Tradies across building, plumbing, electrical, carpentry and landscaping rely on finance to fund utes and vans, tools, equipment upgrades and the cash flow gaps that come with progress payments.

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.

Sydney

Melbourne

Perth

Brisbane

Gold Coast

Adelaide

Canberra

Darwin

Tasmania

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