Commercial Property Finance Solutions
Access deal structures that banks often miss
Owner-occupiers need to convert rental expenses into equity, while investors require structures that maximise portfolio yield. We align these goals with the right capital partners, navigating the complexities standard lenders often struggle with.
We look beyond the headline interest rate to structure debt that maximises your leverage (LVR) and prioritises the preservation of your working capital.
Connecting you with institutional-grade private credit and specialist property funds
Tailored capital structuring for owner-occupiers, investors, and developers
Offices, Warehouses
& Retail
From industrial sheds to boutique office suites, we match your specific asset class with the lenders who have the strongest appetite and most favourable valuations.
Lease Doc &
Low Doc
We access specialised lenders who assess your loan based on the strength of the lease income or asset position, removing the need for up-to-date tax returns.
Purchasing &
Refinancing
Whether expanding your footprint or restructuring existing debt to release equity, we ensure your loan structure supports cash flow rather than constraining it.
Management
Rights
We connect you with lenders who understand the multiplier value of Management Rights, ensuring full recognition for this unique asset class.
The leverage advantage
Many banks cap commercial lending at 65% LVR. Through our panel of specialised commercial lenders, we can often source funding up to 80% LVR for commercial assets, and even higher for medical or professional suites.
Higher leverage means less equity required upfront, keeping your cash where it belongs: in your business.
Local Insights. Statewide Reach.
Valuations vary by precinct. We maintain real-time knowledge of lender appetite across Queensland’s key growth corridors.
From Maroochydore’s CBD to the Yatala Enterprise Area, we ensure your asset is presented to the bank that currently wants exposure to that specific region.
Core Markets: Sunshine Coast • Brisbane • Gold Coast • Toowoomba
Case study
Structuring a $2.3M commercial acquisition across 18 entities
Challenge:
A multi-state retail operator spanning 18 entities with interwoven cash flows wanted to purchase a $2.3M commercial investment. Their complex structure, combined with ATO arrears and limited comparable sales, made standard lender assessment impossible.
Strategy:
Rather than submitting 18 disconnected financial statements, we consolidated their entire cash flow into one clear narrative. We structured a 75% LVR facility and provided targeted market research to give the lender total confidence in the property’s long-term rental sustainability.
Outcome:
The $2.3M property was successfully secured and tenanted, with the ATO position managed within lender policy. By isolating the structural hurdles, the client acquired a high-quality commercial asset without causing any disruption to their existing retail operations.
Commercial Property Finance Common Questions
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Standard policy often requires a 35% deposit. However, for a strong commercial building loan, we can often secure funding with as little as a 20% deposit (80% LVR) — or even 10% for medical suites — preserving your cash for business operations.
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It differs from residential finance. A commercial real estate loan assesses the strength of the lease income rather than just personal tax returns. We use 'Lease Doc' solutions to simplify the process, making approval significantly easier for self-employed applicants.
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There is no single "best" bank; it depends on your asset class. One lender might offer the lowest rates for industrial warehouses in Yatala, while another offers better terms for office strata in Maroochydore. We compare over 200 lenders to find the one with the strongest appetite for your specific property type.
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Yes. Purchasing your business premises through a Self-Managed Super Fund (SMSF) is an effective strategy. It allows your business to pay rent directly into your own retirement fund (taxed at just 15%) rather than paying off a landlord’s mortgage.