Whether you’re expanding, refinancing or just starting out, we could find the right commercial property loan1 to suit your circumstances.
To get started, complete the short form or speak with one of our business loan specialists today on 1300 467 274.
1 - Approval is subject to an applicant's overall profile.
2 - A 'hard' credit check may be run by your selected lender.
A commercial property loan is a type of financing used to purchase, develop, or refinance real estate intended for business or investment purposes. This can include office buildings, retail spaces, warehouses, and industrial properties. Unlike residential loans; loans for commercial property are often larger, with more complex terms and generally higher interest rates, reflecting the increased risk and potential for return.
Business property loans are typically secured by the property itself, and lenders assess factors like the property’s value, the borrower’s financial position, and the income the property is expected to generate. Finance could provide businesses with the means to expand their operations or investors with opportunities to build wealth through real estate.
At Rapid Finance, we know that getting a loan for business purposes isn’t always easy. Especially if you're a new company, small business, a sole trader, or dealing with bad credit issues. That’s where we step in.
Our job is to connect you with lenders who understand your situation and could offer solutions tailored to your needs1. Whether you're expanding your business, investing in a new property, or refinancing. We’re here to make the process smoother and simpler.
We’ve spent over 20 years building relationships with lenders who think outside the box. Even if the banks have said no, we can often find a lender who says “yes”. Our team will guide you through each step, helping you present your application in the best light and working hard to match you with the right property loan for your goals.
We work with a wide range of clients, from growing startups and sole traders to established businesses looking to expand. Even if your income is irregular, or you’re still building your credit, we could explore options1 that reflect your business potential – not just your past.
Rapid Finance could help finance various commercial properties, including:
The amount you could borrow will depend on factors like the property’s value, your business income, and the deposit you can offer. We could help you access property loans up to $10,000,000+, depending on your needs1 and the lender’s terms.
We’ll work with you to gather all the necessary documents, including financial statements, tax returns, and business plans. If needed, we could help you improve areas of your application to increase your chances of approval. Our goal is to make sure you’re presenting the strongest case possible.
We’ll assist in preparing alternative documentation such as BAS (Business Activity Statements), bank statements, or accountant declarations to verify your income. This streamlined process is ideal for self-employed individuals or small business owners with irregular income or limited access to full financial records.
One of the advantages of working with Rapid Finance is that we could help you avoid unnecessary loan rejections that could harm your credit score. We carefully assess your situation before applying, ensuring we focus on the right lenders from the start.
When you’re ready, we’ll submit your application and handle the process with the lender. Our team keeps you informed at every stage, working to secure approval quickly and efficiently. If there are any roadblocks, we’re here to help navigate them and find the right solution.
Ready to take the next step? Complete the short form above to get started.
1 - Approval is subject to an applicant's overall profile.
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Please note: This is an estimate provided for illustrative purposes only, and is based on the accuracy of information provided. It does not constitute a quote. Additional fees and charges may apply dependent on your individual circumstances. Fees such as early repayment costs and establishment fees are not accounted for in the examples of weekly repayments. Interest rates may be subject to change throughout the term of the loan.
Each type of business car loan has its own unique benefits, suited to different sets of business requirements. Deciding on the most suitable car loan for your business is as simple as weighing your requirements against the different benefits each type of loan offered.
Also known as a Hire Purchase or an Offer to Hire – is a common type of fixed rate car loan for businesses. As part of a CHP, a financial lender will agree to purchase the GST-inclusive amount of a vehicle, which will then be lent back to their client over a pre-determined period of time.
Maximise returns and minimise risk. Read our easy guide to find out how to get the right advice before purchasing your investment property.
Lenders evaluate:
Rapid Finance has access to a wide network of business property lenders, including those who specialise in helping clients with bad credit, low documentation, or non-standard income. We work with you to strengthen your application, present it effectively to lenders, and negotiate terms that suit your needs. Our expertise in property finance could help unlock loan options that may not be available through traditional banks.
Every application is different, but from our experience, to improve your chances:
Yes, property loans could be refinanced to secure better rates, release equity, or restructure debt. Refinancing could help reduce repayments, fund additional property investments, or access working capital for your business.
Yes, it is possible to secure an SMSF commercial property loan. A Self-Managed Super Fund can borrow money to purchase property under a limited recourse borrowing arrangement (LRBA). This means that if the loan defaults, the lender’s recourse is limited to the property itself, protecting other assets in the fund.
Commercial properties purchased through an SMSF can be leased to third parties or even to a business owned by the SMSF members, provided it is done at market rates. This can be an effective way to grow retirement savings while investing in commercial real estate. However, SMSF lending has strict compliance requirements, so it’s important to seek professional advice to ensure the arrangement aligns with superannuation laws.
The approval process for a commercial property loan can take anywhere from 2 to 8 weeks, depending on the complexity of the application and the lender’s requirements. Fast-tracked approvals may be available through non-bank lenders or for straightforward purchases.
Commercial property finance terms typically range from 5 to 30 years, depending on the lender and the borrower’s needs. Shorter terms may apply for development or construction loans, while longer terms are common for income-generating properties.
Commercial property finance allows businesses and investors to secure funding to purchase, develop, or refinance commercial real estate. The loan is typically secured against the property, and lenders assess the potential income, value of the property, and the borrower’s financial situation. Loan terms can vary, and the amount borrowed usually depends on the size and type of the property.
Yes, most lenders require a deposit. This is typically between 20% and 30% of the property's value, although this can vary based on the lender and the borrower’s profile. In some cases, a larger deposit may be needed if the borrower has credit issues.
Alternatively, some lenders may allow you to cross-secure the loan with an existing property, such as your home, reducing the need for an upfront deposit. This can be a valuable option for borrowers looking to leverage their current assets.
Every application is different, and eligibility criteria can vary, but lenders generally consider:
Yes, Rapid Finance could assist with low doc business loans. These loans are designed for businesses or self-employed individuals who may not have the full financial documentation typically required by traditional lenders. Instead, lenders may accept alternative proof of income, such as an accountant's declaration, business activity statements (BAS) or bank statements.
Yes, it’s possible to get a business property loan with bad credit. Some lenders specialise in working with clients who have credit issues, focusing on the value of the property and the potential income it can generate. Offering a larger deposit or additional security could also improve your chances of approval.
Yes, sole traders and small businesses may qualify. Lenders may assess the business’s cash flow, financial stability, and the potential of the property. While the process may involve stricter criteria, there are alternative lenders and low doc options available for businesses with non-traditional financial profiles.
Business property loans could be used to finance a wide range of properties, including: