Commercial property
Acquire or refinance eligible offices, retail, industrial, mixed-use and other acceptable assets.
Commercial loans Australia · evidence-led structures
Commercial loans in Australia for property and business transactions.
Funding pathways for eligible commercial property, business acquisition, refinance, expansion and working capital, mapped to accepted value, cash flow, security position, term and repayment strategy.
Evidence-led assessmentQualified optionsAustralia-wide enquiries
A clearer credit story
A commercial loan must make sense at asset, borrower and exit level.
Eligible uses
Capital for a defined commercial outcome.
The predominant use of funds must be genuine, documented and compatible with lender policy.
Business acquisition
Fund an eligible going-concern purchase with due diligence, contribution and transition evidence.
Expansion capital
Support premises, equipment, fit-out, inventory or another costed commercial program.
Debt restructure
Replace maturing or unsuitable debt where the proposed facility produces a defensible improvement.
Assessment framework
Purpose, evidence, capacity and exit must agree.
- Commercial purpose and complete use-of-funds schedule
- Borrower entity, ownership, experience and financial position
- Accepted security value, property type and marketability
- Lease profile, trading cash flow or other serviceability evidence
- Existing debt, ranking, guarantees and payout position
- Term, total cost, primary exit and contingency
A lender-ready processStep 01 Step 02 Step 03 Step 04
Four disciplined steps from enquiry to settlement.
Triage
Purpose, amount, timing, borrower, cash flow, security and repayment source.
Evidence map
Identify documents, gaps, risks and the facts a lender must verify.
Structure
Compare term, security, repayment profile, total cost and lender fit.
Conditions
Coordinate approval, due diligence, documents and settlement conditions.
Prepare once
Documents commonly requested.
- Entity and ownership documents
- Business financials and bank statements
- Property or asset details
- Lease and tenancy schedule
- Purchase contract or valuation
- Existing debt and payouts
- Use-of-funds budget
- Refinance, sale or business-proceeds exit
Frequently asked questions
Commercial Loans Australia FAQs.
What can a commercial loan fund?
Eligible uses may include commercial property, business acquisition, expansion, equipment, working capital or refinance, subject to lender policy and evidence.
Can commercial loans reach 80% LVR?
Up to 80% LVR may be considered for selected qualifying first-mortgage property scenarios. Specialised assets, weaker locations, second ranking, capitalised interest and riskier exits commonly require lower leverage.
How are commercial loans assessed?
Lenders assess purpose, borrower, cash flow, security, accepted value, lease or trading position, existing debts, term, total cost and repayment strategy.
Are interest-only terms available?
Some lenders may offer interest-only periods where the structure, serviceability and exit justify them. Availability and cost vary.
Can lease income support the loan?
Lease income can be material, but lenders also assess tenant quality, lease term, incentives, vacancy, outgoings, property marketability and borrower strength.
How quickly can commercial finance settle?
Timing depends on a complete file, valuation, due diligence, credit approval, legal documents and cleared conditions. No timeframe is guaranteed.
Discuss the numbers
Purpose. Amount. Timing. Evidence. Security. Repayment.
Share those facts so we can identify the information required for a meaningful assessment.
Call: 0439 462 664
Email: info@basicfinanceloans.com.au