Commercial Loans Australia – Finance for Business and Investment Property
⚡Structured lending solutions to support business growth, asset acquisition, and commercial property investment
Suitable For
✓ Business owners purchasing or refinancing commercial property
✓ Investors seeking to acquire offices, warehouses, retail, or mixed-use assets
✓ Borrowers expanding business operations or funding major equipment
✓ Clients transitioning from residential to commercial investment strategies
Loan Purpose
✓ Purchase or refinance commercial real estate
✓ Fund business expansion, equipment acquisition, or working capital
✓ Support development or fit-out of commercial premises
✓ Consolidate existing business liabilities into a single structured facility
Loan Structure
✓ Options include variable, fixed, or interest-only terms
✓ LVR typically 60–80% depending on asset type and risk profile
✓ Flexible repayment schedules aligned with business cash flow
✓ Security may include the commercial property, business assets, or additional collateral
✓ Loan terms often 1–25 years with refinance pathways available
Success Story
Retail Space Acquisition in Melbourne
A business owner purchased a retail premises with a competitive LVR, securing long-term stability and reducing leasing costs.
Warehouse Refinance in Brisbane
An investor refinanced a warehouse loan to a lower interest rate and extended the term, improving cash flow and enabling future expansion.
Office Purchase in Sydney
A small business moved from rented space to owning their office suite. The commercial loan provided interest-only flexibility during the fit-out stage.
Advantages
HIGHER CAPS
Access larger loan amounts for business or investment growth.
CASH FLOW
Tailored repayment terms aligned with operational income.
ASSET CONTROL
Secure long-term ownership of commercial premises.
INVESTMENT UPSIDE
Potential rental income and capital growth opportunities.
FAQ
Contact QLoans.au for the latest policies, rates, and industry updates.
What is a commercial loan?
Loan amounts depend on LVR, asset quality, financials, and business performance.
Are interest rates higher than home loans?
Yes. Commercial rates are usually higher due to increased risk and shorter terms.
Do I need full financials?
Most lenders require business financials, though some offer low-doc options for eligible borrowers.
Can I buy commercial property as an investor?
Yes. Many commercial loans cater to investors seeking rental income and long-term growth.
What makes QLoans.au different from going directly to a bank?
A conversation with QLoans.au can uncover loan solutions that one lender alone might not offer. Our expert brokers compare competitive options across banks, non-banks, and specialist lenders, keeping you informed on current policies. From pre-assessment to post-settlement, we provide guidance to streamline the entire process and maximise your options.
Pre-qualify for a loan
Check your estimated loan range and compare three rates tailored to your borrowing position.
If a loan isn’t suitable right now, we’ll help you get ready for when it is.
✓ Connect with a broker, not an AI assistant
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