Who it is for
This loan may suit:
- Business owners buying the premises they operate from
- Commercial property investors acquiring income-producing assets
- Businesses refinancing commercial loans with terms that no longer suit
Commercial Loans
Finance for commercial property and larger deals.
Compare lenders, costs and timelines before you commit.
Process
What happens next
- 1Assess the property and business
- 2Compare commercial lenders
- 3Manage the transaction
Questions about commercial loans
How is a commercial loan different from a residential loan?
Commercial loans are assessed on business cash flow and property income rather than personal salary. Terms are shorter, pricing structures differ, and covenant conditions can significantly affect your flexibility.
How much deposit do I need for a commercial loan?
Typically 20-30% depending on the property type, your business financials, and the lender. Some lenders may accept less with additional security.
How long does a commercial loan take?
Typically 4-8 weeks. Commercial valuations and legal work take longer than residential, so we recommend planning accordingly.