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Commercial Loans
Commercial finance solutions tailored to your business and property goals
What is Commercial Lending?
Commercial lending refers to finance used to purchase, refinance or develop income-producing or business-related property. This includes assets such as warehouses, office buildings, retail premises and industrial sites.
Unlike residential home loans, commercial lending is assessed on a wider range of factors, including the strength of the underlying asset, projected rental income, lease arrangements and the overall structure of the transaction.
Lender requirements can vary significantly, and loan terms are often tailored to the specific deal rather than standardised products.
Common Commercial Lending Scenarios
Every lending scenario is unique, but these are some of the more common reasons borrowers seek Commercial Finance
Buying Business Premises
Funding to purchase premises for your own business operations. Lenders will consider trading history, cash flow and business strength.
Purchasing a Warehouse
Finance for industrial or storage facilities used for business operations or investment purposes. Lending is typically assessed on property value, lease strength and income potential.
Refinancing a Commercial Property
Restructuring existing commercial debt to improve cash flow, adjust loan terms or release equity for further investment, business growth or other commercial purposes.
Expanding an Investment Portfolio
Financing additional commercial properties as part of a broader investment strategy, including expanding into new property types, locations or higher-value commercial assets.
Expanding an Investment Portfolio
Financing additional commercial properties as part of a broader investment strategy, often requiring portfolio-level assessment.
Purchasing a Warehouse
Finance for industrial or storage facilities used for business operations or investment purposes. Lending is typically assessed on property value, lease strength and income potential.
Refinancing a Commercial Property
Restructuring existing commercial debt to improve cash flow, adjust loan terms or release equity for further investment.
Buying a Business Premises
Funding to purchase premises for your own business operations. Lenders will consider trading history, cash flow and business strength.
Factors Lenders May Consider
Commercial lending assessments are more complex than residential loans and vary between lenders. Key factors typically include:
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The underlying property type, value, and income potential
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Lease arrangements, tenant quality, and rental stability (if applicable)
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Borrower experience, trading history, and financial strength
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Overall deal structure and proposed loan purpose
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Exit strategy and long-term investment viability
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Lender-specific policies, which differ significantly across the market
Because each lender assesses commercial risk differently, selecting the right lender is critical. Structuring the loan correctly from the outset can impact approval outcomes, borrowing capacity, and long-term flexibility.
If you'd like to explore tailored commercial lending solutions aligned with your business and investment goals, obligation free, please get in touch.
Related Lending Solutions
Depending on your strategy, commercial lending can often overlap with other finance solutions, including:
For funding vehicles, equipment and business assets that support operations
Development & Construction Finance
For property development projects and staged construction funding
For time-sensitive or non-standard lending scenarios requiring flexible funding solutions
Lending criteria, fees, charges and eligibility requirements vary between lenders. All applications are subject to individual assessment and lender approval.