Commercial property isn't residential property. The asset classes, lenders and timelines are all different - and getting the structure right from the start is what makes the difference.
No obligation. No credit check to enquire. Subject to lender criteria.
What makes commercial property different
Loan-o works with lenders that have genuine appetite across the full commercial property spectrum. The right lender depends on the asset class, location, intended use, and your financial position - all assessed before any approach is made.
Strip shops, convenience centres, showrooms and strata retail units. We weigh up location, lease terms and tenant quality to find the lender suited to the trading operation.
Manufacturing, logistics, storage and distribution facilities draw strong appetite from major banks and specialists - among the most financeable property classes in SEQ.
Owner-occupier deals are assessed on the business as much as the property. Multi-tenanted investments come down to lease quality, rental stability and your financial position.
Assessed on productivity, rainfall zone, water entitlements and farm financials. Rural deals need detailed documentation and longer timelines - starting early is essential.
Strata commercial offers a practical entry to ownership without full freehold title - for owner-occupier or investment, across a range of lenders.
Hotels, motels, service stations and other specialist assets need lenders with appetite for that asset class - assessed on the business as much as the property.
Paying rent stops being the right strategy for many established businesses. Buying your premises removes rental exposure, builds equity and gives you stability to plan ahead - often at rates competitive with investment lending.
Investors are assessed on the property's income potential and their own financial position. Lease terms, yield, tenant quality and location all shape how lenders approach the deal - and how it's priced.
If your loan is nearing expiry, on a dated rate, or no longer fits your position, refinancing can deliver real savings. A review across lenders beats returning to your existing bank.
Construction finance is drawn progressively as building stages complete, with interest charged only on funds drawn. Assessment is based on the end value, building contract, builder and your financial position.
Commercial property finance involves more documentation, more complexity and a longer assessment timeline than most other commercial products. We manage that entire process on your behalf - so nothing is missed and nothing is delayed unnecessarily.
Tell us about the property type, intended purpose and your business or investment structure. We confirm whether the scenario is suitable and identify the most relevant lenders from the outset.
We review your financial position, the property details and the intended use, then identify the most appropriate lenders from our panel of major banks and specialist commercial lenders.
We send a secure SMS upload link so you can upload documents directly from your phone - no email chains, no scanning, no unnecessary back-and-forth.
We prepare your application correctly and submit to the selected lender. A well-structured, complete submission reduces delays and minimises requests for additional information during assessment.
Commercial lenders require an independent valuation in most cases. We coordinate this process, manage communication with the lender and keep you updated throughout the assessment period.
Subject to lender assessment and valuation, your loan is approved and moves to settlement. We manage the process through to completion so nothing falls through at the final stage.
Not every lender looks at every property type or purpose the same way. We build the full picture first - then match you to the lender with genuine appetite for it.
Every scenario is different. Here's how the right lender and structure can solve it.
Buying premises instead of renting
Situation
An established business has paid commercial rent for years and is ready to stop.
What's needed
Owner-occupier finance structured around the business's ability to service the debt, often at sharper rates than investment lending.
How Loan-o helps
We match the business to a lender with genuine appetite for that property type and purpose.
Weighing up a retail investment
Situation
An investor has found a retail property with a long lease and wants to know what finance is realistically available.
What's needed
An honest read on LVR, pricing and lender appetite based on the lease, tenant and location - before making an offer.
How Loan-o helps
We assess the deal against lender criteria and identify the lenders most likely to support it.
Refinancing before a fixed rate expires
Situation
A business's commercial loan is approaching the end of its fixed term, and the rate on offer from their bank no longer reflects the market.
What's needed
A structured review across lenders to find a better rate or structure before the expiry date.
How Loan-o helps
We compare options across the panel and manage the refinance through to settlement.
Got a different question? Ask a specialist →
Commercial property finance refers to loans and credit facilities used to purchase, construct, hold or refinance property used for business or investment purposes - rather than as a primary residence. It covers retail, industrial, office, rural, mixed-use and specialist property types, accessed by both owner-occupying businesses and commercial property investors.
LVR limits for commercial property are more conservative than residential lending and vary considerably by property type, location, lender and borrower strength. Metro retail, industrial and office assets typically attract broader appetite than rural or specialist properties. Loan-o provides a realistic view of available LVR based on your specific scenario before you commit to proceeding.
An owner-occupier commercial loan is for businesses purchasing property they intend to use in their own operations. A commercial investment loan is for buyers purchasing property to lease to tenants for rental income. Assessment criteria, LVR limits and lender appetite differ meaningfully between the two purposes - making correct classification critical from the start.
Yes. Rural and agricultural property finance is available through appropriate lenders for eligible scenarios. Rural transactions are assessed on different criteria to metropolitan commercial property, including productivity, water entitlements, rainfall zone and the financial strength of the farming operation. They require more detailed documentation and a longer assessment timeline. Starting early is strongly recommended - these transactions cannot be rushed.
Commercial construction loans are drawn progressively as building stages are completed, rather than advanced in full at settlement. Interest is charged only on the amount drawn during the construction period, which reduces carrying costs. Assessment is based on the proposed end value of the completed building, the building contract, builder credentials and the strength of the borrower.
Commercial property finance takes significantly longer to assess than most other commercial products. A straightforward owner-occupier purchase with strong financials may move through assessment in two to four weeks. More complex scenarios, rural property transactions and construction finance typically take longer, particularly once valuations are factored in. Starting early and having documentation ready makes a material difference to timeline.
Yes. Commercial property finance can be arranged for borrowers operating through company, trust or other business structures. Your structure affects which lenders are available and how the assessment is conducted - which is why we account for it during lender selection, not as an afterthought during application.
Yes, in some circumstances commercial property can be purchased through a Self-Managed Super Fund using limited recourse borrowing arrangements. This is a specialist area with specific compliance, structuring and trustee requirements. We strongly recommend confirming the structure with your accountant or SMSF adviser before proceeding - the consequences of getting it wrong are significant.
Whether you are buying, building, investing or refinancing commercial property, the first step is an honest assessment of what is genuinely available for your scenario. No obligation, no cost - just clear, practical guidance.