Find Your Best Commercial Loan from 80+ Lenders
Secure optimal business funding from $50,000 to over $5 million in hours. We assess over 80 providers to find your ideal loan, faster.
How To Apply for a Commercial Loan & Get Quotes
Review Options
Fill out our quick questionnaire to help us understand your situation and goals to get indicative loan quotes. This assessment is free and won't affect your credit score.
Submit Application
Our LendIQ™ technology assesses over 80 providers to find the one best suited to you, increasing your chance of first application approval.
Get Funded In Hours
If the loan suits you, a specialist from our team will finalise the details and present suitable solutions. We handle the paperwork so you can get funded in as little as a few hours.
Why Compare Business Loans with Lend?
Our smart technology and expert team save you time, protect your credit score, and find you a great deal on business finance.
Trusted by Aussies
With over 50,000 loans funded and an 'Excellent' 4.8/5 rating on Reviews.io, we are one of Australia's most trusted platforms for securing business finance.
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Our comparison service is 100% free. Our mission is to help Aussie businesses find their lowest interest rates.
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Our process does not affect your credit score at all. It's safe to compare with us.
The Certainty Advantage
By matching you with the right lender first, we deliver the funding certainty you need to move faster than your competition.
"Business owners are conditioned to focus on the interest rate, but a deal delayed is a deal denied. The real cost isn't an extra 0.1% on your loan; it's the six figures of growth you miss out on because a slow bank lets your perfect property slip away. Speed and certainty are the most valuable assets in a competitive market."
Andrew Beckett, Head of Broker and Third Party Distribution
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Your In-Depth Guide to Commercial Loans
This guide provides the clarity you need to navigate the commercial finance landscape, understand your options, and secure the best funding for any business goal from property and equipment to growth and cash flow.
Updated: 12/18/2025
The Commercial Lending Landscape By the Numbers
Understanding the market is the first step when seeking a commercial property loan. Our data shows a significant shift towards non-bank institutions for speed and flexibility, highlighting the importance of looking beyond your traditional bank.
12%
Formal Approval Rate for Property
20%
Loans to Businesses <2 Years
50%
First-Time Commercial Property Buyers
40%
Industrial Properties Financed
$22.7B
Quarterly Property Loan Commitments
The Lender's Approval Checklist
Many business owners worry about wasting time on a loan application only for it to be rejected. This checklist for commercial lending clarifies what finance providers look for. While every application is assessed individually, successful applicants generally meet these core requirements:
- A Minimum 20% Deposit: You will typically need a deposit of at least 20% of the property's purchase price, or available equity to access.
- Trading History: Providers need to see a record of business activity. While a longer history is preferred, some non bank institutions can work with businesses operating for as little as six months.
- Proven Profitability: Your business must show it has strong serviceability, meaning it earns enough to comfortably cover existing debts plus the new loan repayments.
- A Good Credit History: A perfect credit score isn't always required. Minor past issues can often be accepted by the right provider.
- A Good ATO Position: Your tax filings must be current. If you have a debt with the Australian Taxation Office, providers will require proof of a formal payment plan that is being followed.
How Commercial Loans Work
Business property finance, or a commercial mortgage, helps a business buy a property for its own use or as an investment without paying the full price upfront. A provider gives the funds, which you repay with interest over an agreed period. This type of commercial property loan allows you to acquire a valuable asset while keeping cash available to finance commercial growth.
Key features of business property finance generally include:
- Loan Amounts : Borrowing can range from $50,000 to over $5 Million.
- Loan Terms : Repayment periods typically range from 1 to 30 years.
- Purchase Channels : You can finance properties bought from a dealership, at auction, or via private sale.
- Rates : These are based on the property type and your business's risk profile.
- Repayment Structures : Options include principal and interest repayments or a temporary interest only period, usually up to five years.
- Repayment Frequency : Weekly, bi-weekly, or monthly repayments can be structured to match your business cash flow.
- Deposit : A deposit of 20% to 30% is usually required to secure financing.
- Tax Implications : The interest on your business loan is often tax deductible.
Understanding Commercial Loan Rates
The interest rate you are offered on a commercial loan is tailored to your unique business situation. Lenders assess several key factors to determine risk and calculate your final rate. These include the type of loan (e.g., secured vs. unsecured), your business's trading history and financial health, and your overall credit profile. The tables below provide indicative interest rates based on different business profiles and loan types to help you understand potential costs.
Your Key Questions Answered
While 20-30% is standard, some specialist institutions may consider applications with a 15% deposit for high quality properties in metro areas with a strong applicant. This is known as high Loan to Value Ratio (LVR) financing. A larger deposit strengthens your application, lowers the lender's risk, and can result in a more competitive interest rate.
Once you connect with a specialist, they can work with you and the selected provider to secure a formal pre-approval. This gives you a firm budget and allows you to negotiate with sellers confidently.
Yes. Purchasing a commercial property is a major legal and financial transaction. To make a formal commercial enquiry, you will need a qualified solicitor or conveyancer to review the sale contract, conduct searches, and manage the legal transfer of ownership.
Yes, a Director's Guarantee is a standard requirement for most business funding. This means the company directors personally guarantee the loan's repayment.
A Simple 3-Step Application Guide
Step 1: Complete Your Profile
Answer a few simple questions online about your business and the property you're interested in. This initial step is quick and will not impact your credit score. Accurate information helps our technology find your most suitable financing options from the start.
Step 2: Get Your Best Match
Our LendIQ™ technology assesses your profile against 80+ provider policies to find an optimal match. This approach based on data means we identify the provider most likely to approve your application, avoiding the credit score damage that can come from multiple failed attempts.
Step 3: Settle Your Loan With Confidence
Your matched specialist will contact you to discuss your goals and manage the final steps. They will handle communication with the institution and help you gather the necessary documents, ensuring a smooth path to settlement.
Calculators to Plan Your Finance
Choosing the Right Commercial Loan Type
Understanding the different types of commercial property loans is key to finding the best fit for your situation. Here’s a simple breakdown of the most common structures.
Loan Type & What They're Best For | Pros | Cons |
|---|---|---|
Full Doc LoanEstablished businesses with two or more years of complete financial statements and tax returns. | Secures the most competitive interest rates; wider choice of lenders. | Slower application process; requires extensive documentation. |
Low Doc LoanSelf-employed individuals, new businesses, or those with complex financials that don't reflect their current success. | Faster approval with less paperwork; focuses on recent business performance. | Higher interest rates and fees; may require a larger deposit (lower LVR). |
Fixed Rate LoanBusinesses that require certainty in their repayments for budgeting and long-term planning. | Predictable repayments protect you from interest rate rises; simplifies cash flow management. | Less flexibility; significant break costs may apply if you repay the loan early. |
Variable Rate LoanBusinesses that want flexibility and believe interest rates may decrease over the loan term. | Your repayments will fall if the market rate drops; often comes with more features like offset accounts. | Repayments can increase if rates rise, creating budget uncertainty. |
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Beyond the interest, you should budget for an application fee, a formal property valuation fee, legal fees, and potentially ongoing service fees. Be aware that a formal valuation is a non-negotiable step for every lender to understand the property's value and de-risk the transaction.
Financing a vacant property can be more difficult as there is no rental income to support the loan. However, some lenders may approve the finance if your business can show enough surplus cash flow from its normal operations to comfortably meet the loan repayments.
Yes. Refinancing to access equity is a common strategy. It can be used to secure a lower interest rate, switch to more favourable terms, or access the equity in your property. This equity can then be used as capital for other business investments.
There are four key ways: contribute a larger deposit to improve your loan to value position, have everything lined up (financials, ATO position, credit files, and rationale for the purchase), maintain a clean credit history, and clearly explain the business strategy. Any gaps in your application will lead to a more drawn-out process.
What Happens During The Settlement Timeline?
Receiving formal approval is a major milestone. From this point, the process moves towards settlement, and your finance specialist will help ensure a smooth transition.
- Loan Documents are Issued : The provider will provide the formal loan offer and mortgage documents for your review. It is highly recommended to seek legal advice at this stage.
- Documents are Signed and Returned : Once you are satisfied with the terms, you will sign and return the documents to the provider.
- Settlement is Booked: Your solicitor will coordinate with the provider's and vendor's legal teams to schedule the settlement date.
- Funds are Transferred: On settlement day, the provider provides the funds to finalise the property purchase, and you officially take ownership.
Andrew Beckett is a finance executive with extensive Fintech expertise. As Head of Broker and Third Party Distribution at Lend, he fostered key partnerships, including COG aggregation and CAFBA. With prior sales roles in various fintech and finance companies, Andrew has been instrumental in transforming Australia's financial market, shaping new lending practices in the commercial lending space.
Andrew Beckett, Head of Broker and Third Party Distribution
Phil Druce leads the company’s technology and operations. With 20 years of experience in technology businesses, Phil has consistently driven growth through strategic planning and execution. Since 2016, he has been dedicated to creating technology-driven products and services at Lend, optimising processes, and delivering outstanding client experiences.
Phil Druce, Chief Operations Officer
Stories From Successful Business Loans
Fast Funding to Secure a Competitive Deal
Sarah, a retail business owner in Sydney bidding on a $1.2 million office, faced losing the property due to a 3-4 week approval time from traditional banks. We connected her with a non-bank lender who secured full funding in under a week. This speed allowed her to close the deal ahead of competitors, expanding operations and boosting annual revenue by 25%.
Overcoming Rejection for a Specialised Property
A childcare operator in Melbourne, David, was denied an $800,000 loan by a major bank for a vacant property, citing a lack of immediate income. We focused on the business's strong projections, securing funding in just 5 days through a specialist lender. This enabled David's center to open on schedule, serve over 50 families, and generate $300,000 in its first year
Escaping Bank Delays for Faster Growth
After a three-week delay from his bank for a $500,000 warehouse loan, a Brisbane-based manufacturing firm owner, Mark, faced a production bottleneck. He switched to our service and received multiple tailored options in 24 hours, securing funding in days at a better rate. This allowed him to prevent delays and increase his quarterly output by $150,000.
Why Australia Trusts Lend
Get Your Competitive Commercial Loan Rates Now
Find your best rate from over 80 providers. Apply in minutes with our simple, paper-free process to get a fast decision on loans commercial businesses require.
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