Office, retail, warehouse, mixed-use & development — we compare bank and non-bank lenders to structure the right commercial loan for your business. Bilingual English & Mandarin service across Australia.
From shopfronts to warehouses, we structure loans tailored to your commercial property goals. 针对不同商业物业类型，量身定制融资方案。
Purchase or refinance office suites and commercial buildings. Ideal for businesses wanting to own rather than rent their workspace.
Shopfronts, shopping centres, and retail strips. Finance options for both owner-occupiers and investors seeking strong rental yields.
Warehouses, factories, and logistics facilities. Competitive rates for industrial properties in established and growth corridors.
Properties combining residential and commercial — such as shops with apartments above. Specialised structures for dual-income assets.
Land acquisition, construction, and subdivision development. Staged funding solutions for small to medium-scale projects.
We do the heavy lifting — comparing rates, structuring deals, and managing the process from start to settlement. 我们帮您比较利率、设计贷款结构、全程管理申请。
Depending on the property type and lender, we can access LVRs of up to 80%. Standard commercial deals typically sit at 65-70%, but the right structure can unlock more.
Longer terms mean lower repayments and better cash flow for your business. We match the loan term to your strategy — whether you plan to hold long-term or refinance.
We compare major banks (CBA, ANZ, NAB, Westpac) alongside specialist non-bank lenders. More options means a better chance of approval and competitive pricing.
Every step in English and Mandarin — from initial consultation through to settlement. Nothing gets lost in translation when it matters most.
Complex income? ABN less than 2 years? Multiple entities? We know which lenders are flexible and how to present your financials for the best outcome.
No upfront fees. We assess your situation, outline your options, and give you a clear roadmap before you commit to anything. Fully transparent, no surprises.
Whether you're buying your first commercial property or expanding a portfolio, we tailor the loan to your situation. 无论您是首次购买商业物业还是扩展投资组合，我们都能量身定制。
Stop paying rent — own the premises your business operates from. Build equity while running your business, with potential tax advantages.
Commercial property often delivers higher rental yields than residential. We help structure loans to maximise returns and cash flow.
Purchase commercial property through your Self-Managed Super Fund with a Limited Recourse Borrowing Arrangement (LRBA). We know the rules and the right lenders.
A clear, straightforward process from first call to settlement. 从首次咨询到贷款交割的清晰流程。
We discuss your goals, property type, and financial situation. Available in English or Mandarin.
We compare rates and terms across 30+ lenders to find options that match your commercial needs.
We prepare and submit your application, manage valuation, and chase the lender so you don't have to.
We coordinate with solicitors, the lender, and all parties to get you across the line smoothly.
Most lenders offer up to 65-70% LVR for standard commercial properties, with some going up to 80% for strong applications. The LVR depends on the property type, location, and your financial profile. We compare options across 30+ lenders to find the best fit.
大多数贷款机构提供65-70%的最高贷款比例，部分可达80%。具体取决于物业类型、地点及您的财务状况。
Yes. Self-Managed Super Funds can borrow to purchase commercial property under a Limited Recourse Borrowing Arrangement (LRBA). SMSF commercial loans typically have stricter criteria and lower LVRs (up to 65-70%). We specialise in structuring these correctly.
可以。自管养老金可以通过有限追索权借贷安排(LRBA)购买商业物业。我们专精此类贷款结构。
Commercial loan approvals typically take 2-6 weeks depending on the lender and complexity. With proper documentation prepared upfront, we can often fast-track the process. Non-bank lenders are generally faster than major banks.
商业贷款审批通常需要2-6周。提前准备好所需文件可以加快流程。非银行贷款机构通常更快。
You'll typically need: 2 years of business financials (tax returns, profit & loss, balance sheets), 6 months of bank statements, details of the property (lease agreements if tenanted), and personal identification. Self-employed applicants may need additional documentation. We provide a clear checklist.
通常需要：2年企业财务报表、6个月银行对账单、物业详情（如有租约）及个人身份证明。我们会提供清晰的文件清单。
Commercial loans typically have higher interest rates, lower LVRs (65-80% vs 90%+), shorter terms, and require more documentation. They also assess the income-generating potential of the property itself, not just your personal income. However, commercial properties can offer stronger rental yields.
商业贷款利率较高、贷款比例较低（65-80%），需要更多文件。但商业物业通常提供更高的租金收益率。
For most bank commercial loans, our service is free — we're paid by the lender on settlement. For complex or non-bank deals, a small broker fee may apply, which we always disclose upfront before you commit.
大多数银行商业贷款无需支付经纪人费用。对于复杂或非银行贷款，可能会收取少量费用，我们会提前透明告知。
Book a free consultation to discuss your commercial loan options. No obligation, bilingual service — we'll find the right structure for your business. 免费咨询，中英双语服务。