5.0 rating
Loans from $100,000 up to $50 million+
1 year to 30 year repayment options
Designed for property investors and business owners
Competitive pricing for secured commercial property loans
Purchase, refinance, develop or upgrade properties
Term loans, interest-only or lines of credit
Submit property details, loan purpose and financial information.
Our Lender Match technology connects you with offers from Australia’s top lenders.
Financial statements, tax returns and property valuations help finalise approval.
On approval, funds are released to purchase, refinance or develop your property.
Commercial property loans are designed to help Australian businesses and investors purchase, refinance or develop offices, warehouses, retail outlets and industrial facilities. With higher borrowing limits and flexible structures, these loans are secured against the property being purchased or developed.
Banks, credit unions and specialist lenders offer commercial loans in various formats—term loans, lines of credit, and interest-only facilities—tailored to different business needs. They provide the essential capital to expand operations, invest in assets, and build long-term wealth through property ownership.
This guide is broken down into the following sections. Click a link if you want to skip ahead.
Choose from different loan structures depending on your property plans:
A business loan secured against assets with a fixed interest rate and predetermined repayment schedule. Provides certainty and competitive rates for business growth and expansion.
Established businesses with valuable assets seeking predictable repayments for expansion, equipment purchases, or working capital needs.
Financing for purchasing, refinancing, or developing commercial real estate. Secured against the property with competitive rates and flexible terms for business property investments.
Businesses looking to purchase premises, investors seeking commercial property opportunities, or companies wanting to refinance existing commercial property debt.
Commercial property loans provide flexibility for business and investment purposes:
Acquire offices, retail outlets, warehouses or industrial facilities for your business or investment portfolio. A commercial property loan helps you secure prime locations and build long-term equity while spreading the cost over manageable repayments.
Finance the construction of new premises or large-scale renovations to existing properties. Development loans cover costs such as land purchase, building works and fit-outs, helping you bring projects to life and increase property value.
Replace an existing facility with a more competitive one, lowering repayments or extending terms. Refinancing can also unlock equity, reduce interest costs, and consolidate multiple loans into one manageable facility.
Upgrade or extend your current site to meet business growth. Commercial property finance supports extensions, fit-outs, and new facilities to help you service more customers and boost productivity without cash flow strain.
Grow your portfolio by purchasing properties that generate rental income and appreciate in value over time. Commercial property loans give you access to leveraged investment opportunities in high-demand locations and sectors.
Tap into the equity tied up in existing commercial property to fund other ventures. Released funds can be redirected into working capital, acquisitions or further property investments while maintaining ownership of the original asset.
Broaden your exposure across multiple property types such as retail, office and industrial assets. Using finance strategically allows you to balance risk and return across different sectors of the property market.
Fund refurbishments, modernisation or energy-efficient improvements to increase tenant appeal and property value. Commercial property loans can cover fit-outs, technology upgrades and compliance works.
Purchase land for future development or long-term investment. Land loans can provide the capital to secure prime sites before development approval or construction begins.
Move your business to a site that better supports your operations and growth. A commercial property loan provides the financial backing to secure and fit out new premises tailored to your needs.
Sarah Lin, LogiFast Freight Solutions
Industry: Logistics
Challenge: Limited space and rising rental costs were constraining growth.
Solution: A 15-year commercial property loan with interest-only repayments for the first 2 years.
Sarah operates a logistics business that had outgrown its leased warehouse. Rising rents and space limitations were impacting profitability. With a commercial property loan secured through Emu Money, Sarah purchased a larger warehouse with interest-only repayments in the first two years, easing cash flow. The investment increased efficiency, reduced rental expenses, and gave the business a valuable appreciating asset.
Loan sizes typically range from $100,000 to over $50 million in Australia. The amount depends on property type, valuation, loan-to-value ratio (LVR) and your financial position. Standard LVRs range from 60%–80% of property value. Lenders will also assess cash flow, rental income potential, credit history and overall debt position before determining borrowing capacity.
Balance over time
Eligibility varies by property type and lender criteria. Borrowers generally need to provide financials, demonstrate serviceability and offer a deposit or equity contribution. Stronger businesses or prime investment properties may access sharper rates and higher LVRs.
You may be eligible if you are:
An Australian citizen, resident or registered business
Able to provide a 20–40% deposit or existing equity
Trading profitably or with verifiable rental income
Providing financial statements and tax returns
Purchasing, refinancing or developing commercial property
Start with an online application including property and financial details. We’ll match you with lenders and help organise valuations and credit assessment. Approval depends on serviceability, LVR, and property type. Larger facilities may involve more detailed due diligence but can still settle quickly with the right preparation.
Documents you may need:
ABN and GST details
Photo ID (driver’s licence or passport)
Business financial statements and tax returns
Property details and valuation reports
Lease agreements (if investment property)
Business plan or development proposal (if applicable)
Commercial property loans are significant commitments, so structuring them well saves money over time. Compare lenders on both rate and loan-to-value ratio, as small differences impact overall cost. Consider whether fixed or variable rates suit your situation—fixed provides certainty, while variable may be cheaper short term.
Interest-only periods can ease cash flow during development or initial investment, but cost more long term. Making extra repayments or negotiating flexible redraw facilities can reduce interest and improve liquidity. Always review fees—application, valuation, and break fees—to ensure the true cost of borrowing is transparent.
Lenders provide different structures depending on your strategy and needs:
A traditional term loan secured against the property with principal and interest repayments. Suitable for long-term investments with predictable cash flow.
Repay only interest for a set period before principal begins, easing short-term cash flow—commonly used for development or initial investment stages.
Designed for self-employed or businesses without full financials. Usually capped at lower LVRs and higher rates to offset lender risk.
Ongoing access to funds secured against property equity. Draw and repay as needed for working capital, expansions or opportunistic investments.
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