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Commercial Property Loans

COMMERCIAL PROPERTY LOANS

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Overview

Commercial property finance supports a wide range of business and investment goals – from purchasing offices, warehouses, and retail spaces to acquiring specialised commercial assets. These transactions often involve more complex lending requirements, we take the time to understand your objectives, assess your financial position, and structure lending that aligns with your long‑term strategy.

Commercial lending is more complex than standard residential finance. Lenders assess factors such as lease terms, rental income, business performance, asset type, and market conditions. We guide you through these requirements with clarity and confidence, helping you understand how different structures, terms, and lenders can influence your borrowing capacity and overall investment performance.

From preparing financials and supporting documents to liaising with lenders, valuers, and other stakeholders, we manage the process end‑to‑end. Our focus is on transparency, education, and strategic alignment – ensuring your commercial finance solution supports both your immediate goals and your broader business or investment strategy.

Key Features

  • Flexible Loan Options: Access to commercial term loans, lease‑doc loans, and full‑doc or low‑doc structures.
  • Investment & Owner‑Occupied Solutions: Suitable for investors and businesses purchasing their own premises.
  • Cashflow‑Aligned Terms: Options for interest‑only or principal & interest depending on your strategy.
  • Wide Lender Panel: Access to banks and specialist commercial lenders offering competitive terms.

Considerations

  • Documentation Requirements: Lenders may require financials, lease agreements, business performance data, or valuation reports.
  • Asset Type: Different commercial assets carry different risk profiles and lending criteria.
  • Loan Term: Commercial terms vary widely and may impact cashflow and long‑term planning.
  • Market Conditions: Rental demand, vacancy rates, and economic factors influence borrowing outcomes.

Finance used to purchase or refinance warehouses, offices, retail spaces, industrial sites, or mixed‑use properties.

Warehouses, offices, retail shops, industrial units, medical suites, and some specialised commercial assets (subject to lender policy).

Typically 20-30%, depending on the property type, lease structure, and your financial position.

Lenders review lease terms, tenant strength, and net rental income to determine serviceability.

Usually yes – commercial lending carries different risk weightings and pricing structures.

Most lenders require business financials, but some offer low‑doc options for strong assets or long‑term leases.

ID, financial statements, tax returns, bank statements, lease agreements, and property details.

Commercial loans typically take 5-10 business days, depending on complexity and documentation.

Yes – lenders commonly accept company, trust, and SMSF structures, subject to policy and guarantees.

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Capabilities

  • Head office

    Suite 375, Level 2
    66 Victor Crescent
    Narre Warren, VIC 3805
    (By Appointment Only)

  • Contact info

    Phone: +61 439 001 500
    E-mail: team@scwp.com.au
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