Compare Commercial Property Loans from 50+ Australian Lenders

Finance the purchase, development or refinancing of offices, warehouses, retail or industrial properties with tailored loan options.

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Commercial Property Loan Australia
Emu Money Commercial Property Loan

Commercial Property Loans Made Simple

Tailored finance solutions for purchasing, developing or refinancing commercial property. Suitable for investors and businesses looking to secure long-term growth.

Borrow Big

Loans from $100,000 up to $50 million+

Flexible Terms

1 year to 30 year repayment options

Investment Ready

Designed for property investors and business owners

Lower Rates

Competitive pricing for secured commercial property loans

Range of Uses

Purchase, refinance, develop or upgrade properties

Tailored Structures

Term loans, interest-only or lines of credit

How it works

We match your application with commercial property lenders suited to your project or investment goals.

1.

Apply online

Submit property details, loan purpose and financial information.

2.

Get matched

Our Lender Match technology connects you with offers from Australia’s top lenders.

3.

Provide documentation

Financial statements, tax returns and property valuations help finalise approval.

4.

Settle and invest

On approval, funds are released to purchase, refinance or develop your property.

How Commercial Property Loans Work

Backed by over 50+ lenders

Giving you the best chance of being approved.

Affordable Car Loans
Alex Bank
Angle Finance
ANZ
Australian Motorcycle & Marine Finance
Australian Premier Finance
Automotive Financial Services
Azora
Bank of Melbourne
Bizcap
BOQ
Branded Financial Services
Capify
Capital Finance
CarStart Finance
CFI
Dynamoney
EarlyPay
Equity Tap
Finance One
Finstro
Firstmac
Flexi Commercial
Green Light Auto
Grenke
Latitude
Liberty
Lumi
Metro
Money3
MoneyMe
MoneyPlace
Morris Finance
Moula
Multipli
Now Finance
Pepper Money
Plenti
Prospa
Resimac
ScotPac
Selfco
Shift
SocietyOne
UME Loans
Vestone
Westpac
Wisr
Yellow Gate

Ready to get started?

Compare commercial property loans from over 50+ lenders and secure funding for your next property purchase or development.

A quick guide to commercial property loans

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.

Types of commercial property loans

Choose from different loan structures depending on your property plans:

Secured Fixed Term Loan

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.

Loan Amount$5,000 - $15,000,000
Term1 - 60 months
Interest RateFrom 7.95%
Time to Fund24 - 48 hours
EligibilityABN registered, GST registered (if applicable), Australian Citizen or PR
Pros
  • Fixed interest rate provides payment certainty
  • Lower rates due to asset security
  • Predictable budgeting with set repayment schedule
  • Tax deductible interest payments
Cons
  • Asset required as security - risk of loss
  • Less flexibility than variable rate loans
  • Early repayment fees may apply
  • Comprehensive asset insurance required
Best For

Established businesses with valuable assets seeking predictable repayments for expansion, equipment purchases, or working capital needs.

Commercial Property Loan

Financing for purchasing, refinancing, or developing commercial real estate. Secured against the property with competitive rates and flexible terms for business property investments.

Loan Amount$5,000 - $15,000,000
Term1 - 60 months
Interest RateFrom 7.95%
Time to Fund24 - 48 hours
EligibilityABN registered, GST registered (if applicable), Australian Citizen or PR
Pros
  • Competitive rates secured against property
  • Longer repayment terms available
  • Tax benefits including depreciation claims
  • Build equity in commercial real estate
Cons
  • Property serves as security - risk of loss
  • Large deposit requirements typically needed
  • Longer approval process due to property valuations
  • Market value fluctuations affect equity
Best For

Businesses looking to purchase premises, investors seeking commercial property opportunities, or companies wanting to refinance existing commercial property debt.

What can I use a commercial property loan for?

Commercial property loans provide flexibility for business and investment purposes:

Purchasing Commercial Real Estate

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.

Property Development

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.

Refinancing Existing Loans

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.

Expanding Business Premises

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.

Investment Purposes

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.

Equity Release

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.

Property Portfolio Diversification

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.

Upgrades and Improvements

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.

Land Acquisition

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.

Business Relocation

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.

Case Study

Commercial Property Loan Case Study

Sarah Lin, LogiFast Freight Solutions

Investing in a New Warehouse


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.

How much can I borrow with a commercial property loan?

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.

Commercial Property Loan Repayment Calculator

Estimate repayments and total cost. Adjust the amount, term and interest rate to plan cash flow before you apply.

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Interest Rate
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Am I eligible for a commercial property loan?

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

How to apply for a commercial property loan?

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)

How to save money on a commercial property loan

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.

Understanding commercial property loan options

Lenders provide different structures depending on your strategy and needs:

Standard Commercial Loan

A traditional term loan secured against the property with principal and interest repayments. Suitable for long-term investments with predictable cash flow.

Interest-Only Loan

Repay only interest for a set period before principal begins, easing short-term cash flow—commonly used for development or initial investment stages.

Low-Doc Commercial Loan

Designed for self-employed or businesses without full financials. Usually capped at lower LVRs and higher rates to offset lender risk.

Line of Credit

Ongoing access to funds secured against property equity. Draw and repay as needed for working capital, expansions or opportunistic investments.

Testimonials

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I had an outstanding experience working with Eugin to get my car finance sorted! From the very beginning, Eugin was professional, knowledgeable, and incredibly helpful. He made what can often be a complicated process feel smooth and stress-free. His attention to detail ensured everything was handled efficiently, and he guided me through each step with clear explanations. Thanks to Eugin's support, I secured the financing I needed to buy my car, and I couldn't be happier. If you're looking for someone reliable and dedicated to help you with car finance, I highly recommend Eugin at Emu money. He truly goes above and beyond!

Pabasara G.

Review posted on 2023-11-01

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Eujin made the process of securing a personal loan and car finance quick and hassle-free. He was efficient, easy to deal with, and provided excellent service. Highly recommend!

Nisal M.

Review posted on 2024-01-31

VerifiedVerified Review

Brad was great quick and simple no headaches. just simple process and was done in quick time frame. cant thank him enough.

Danny D.

Review posted on 2024-01-24

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I was so lucky to have had Evette as my broker through emu money, from the very first phone call Evette was amazing, so prompt and professional keeping me updated on the whole process of the application for finance for my new car, I highly recommend Evette!!!

Kaila B.

Review posted on 2024-03-19

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Great to work with good communication and made things nice and easy

Benjamin B.

Review posted on 2023-09-27

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We highly recommend Brad, he went above and beyond to assist us and kept us informed all the way through the process. 5 stars all the way!! loooking forward to working with you again when we need to purchance our next hooist or other workshop equipment!! cheers

Gregory S.

Review posted on 2023-11-01

Frequently Asked Questions

Commercial Property Loan FAQs

These helpful FAQs will help you find the answers you need. If you can't find what you're looking for, you can request a callback below.

What can I use a commercial property loan for?
How much can I borrow?
What is the typical interest rate?
How long are loan terms?
Do I need a deposit?
Can I qualify with bad credit?
Are repayments tax-deductible?
Can I hold multiple loans?
What documentation is required?
Can I make extra repayments?