Commercial Property Loans
Finance solutions for commercial property and property development... At Smart Search, we provide flexible and competitive commercial property finance solutions tailored to business owners, investors, and developers. Whether you're purchasing a premises for your own business, investing in retail or industrial property, or funding a new development, our expert team is here to guide you every step of the way.
Commercial Property Loans specialist that has brokers with a network of 100 plus lenders including the major banks We have a variety of commercial loan solutions that include;
- Purchase and refinancing of retail, industrial, residential and commercial property.
- Construction of retail, industrial, residential and commercial property.
- Specialist securities such as child care centers, hotels, motels, caravan parks and petrol stations.
- High LVR where you can borrow up to 80% of the properties value.
- Medical professionals can borrow up to 90 to 100% of the business value.
- True LOW DOC commercial loans up to 80% LVR and up to 25 years.
- True NO DOC commercial loans up to 65% LVR.
- Lease Doc for investment purchases - no financials, just rental income.
- Many more options available.
Owner-Occupied Commercial Property Loans
Secure finance to purchase a commercial premises for your business. We offer owner-occupied commercial loans with competitive rates, flexible terms, and support for a wide range of industries. Enjoy potential tax benefits and equity growth by owning your business space. These loans are ideal for businesses looking to control their long-term occupancy costs and build asset value instead of paying rent.
Learn more about Owner-Occupied Commercial Property Loans
Commercial Investment Property Loans
Looking to invest in income-generating commercial real estate? Our commercial investment property loans help investors purchase office buildings, warehouses, retail premises and more. We work with major lenders and private funders to deliver tailored investment finance. Benefit from rental yield, capital growth, and portfolio diversification while accessing expert lending advice.
Get more information about Commercial Investment Property Loans
Development Finance for Builders and Developers
From residential subdivisions to multi-use commercial projects, we offer construction and development finance that supports your goals. Funding options include land acquisition, construction costs, and progressive drawdowns for qualified developers and builders. We help you secure finance for both small- and large-scale developments with the flexibility required at different stages of the project lifecycle.
Find out more about Commercial Development Finance
Industrial Property Finance (Warehouses, Factories)
We finance warehouses, factories, and logistics facilities across industrial zones. Whether for investment or owner use, we structure loans that suit your cash flow and asset strategy. These loans support manufacturing, storage, and logistics operations that require scalable and purpose-built premises.
See more information about Industrial Property Finance
Retail Property Finance (Shops, Shopping Centres)
Get funding for standalone shops, strip malls, and larger shopping centres. Our retail property loans cater to both investors and business owners in need of premises to operate or lease. Retail properties can provide consistent income with long-term tenants, and our finance options help you maximise these opportunities.
Access more information about Retail Property Finance
Office Building Finance
Purchase or refinance office buildings with tailored lending solutions. Whether it’s a single suite or a multi-storey commercial building, we provide options to fit your structure and investment timeline. We help professionals and investors secure prime office real estate in both metro and regional areas.
Learn more about Office Building Finance
Medical Centre and Health Facility Finance
We specialise in financing medical centres, dental clinics, allied health facilities and day surgeries. We understand the unique lending needs of healthcare professionals and tailor solutions accordingly. Our loans are suitable for both owner-operators and investors looking to expand or modernise healthcare infrastructure.
View details here at Medical Centre and Health Facility Finance
Childcare Centre Finance
Childcare property loans are a niche we understand well. We assist operators and investors to purchase, build or refinance childcare centres with specialised funding and lender partnerships. This includes support for compliance with regulatory requirements and funding for purpose-built facilities.
Access more information about Childcare Centre Finance
Hotel and Hospitality Property Loans
From boutique hotels to large hospitality venues, we offer tailored finance for hospitality business operators and property investors. Get access to competitive loan terms and flexible funding structures. Our funding solutions cover acquisitions, renovations, and cash flow smoothing for seasonal operations.
Learn more about Hotel and Hospitality Property Loans
Lease Doc Loans for Commercial Properties
For self-employed or business owners with lease income, our lease doc commercial loans assess the property’s rental income rather than your full financials—simplifying your approval process. Ideal for investors with stable lease agreements in place, especially those seeking streamlined, document-light applications.
Get more information on Lease Doc Commercial Loans
Low Doc and No Doc Commercial Property Loans
If you have limited documentation, we offer low doc and no doc commercial property finance options. Ideal for self-employed clients, SMSFs, and those with non-traditional income structures. Our solutions allow greater flexibility and access to funding even without traditional financial statements or tax returns.
Get more information on Low Doc and No Doc Commercial Loans
Bridging Finance for Commercial Property Purchases
Need fast funding while you transition between properties? Our bridging loans help cover the gap when buying or refinancing commercial real estate—ensuring a smooth process without delays. These short-term loans provide the liquidity needed for settlement or construction while longer-term financing is arranged.
Learn more about Bridging Finance for Commercial Property
Why Choose Smart Search Finance?
- Access to over 30 lenders including banks, non-banks & private funders.
- Specialist support for investors, developers & business owners
- Tailored solutions for niche and complex property deals
- Fast approvals and streamlined application processes
Ready to Get Started?
Whether you're buying your first commercial property or expanding your portfolio, we’re here to help. Contact us today for a free consultation and personalised commercial loan strategy.
Commercial Property Loan Lenders
| Lender | Type | Description | Enquire |
|---|---|---|---|
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ANZ Business Loans | Full scale Business Banking Products, Relationship Management, Franchise Lending, Accountant's Package, Pharmacy Package, Managements Rights Package (QLD only), Newsagency Lending, Real Estate Package, IGA Supermarkets, Child Care, Taxi Plates. Other businesses on a case by case. No Low Doc | Enquire |
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Commonwealth Bank Business Loans | Full scale Business Banking products and Relationship Management. Most business types will be considered as security on a case by case (including Taxi Plates, Rent Rolls, Pharmacies, Hotels, Motels, Franchise etc). Lending to Self Managed Super Funds | Enquire |
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NAB Business Loans | Full Scale Business Banking Products, All Business Security (non property based) will be considered on a case by case basis, Newsagency funding. Franchise Business also accepted. | Enquire |
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Westpac Business Loans | Full Scale Business Banking Products, All Business Security (non property based) will be considered on a case by case basis, Newsagency funding. Franchise Business also accepted. Full doc commercial loans only. | Enquire |
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Bank West Business Loans | Full scale Business Banking Products, Relationship Management, Franchise Lending, Child Care, Hotels, Motels, Caravan Parks, Clubs, Liquor Stores, Aged Care, Rent Rolls, Independent Supermarkets, Newsagencies, Accounting Practices, Legal Practices, Medical/Dentistry, Vets, Property Management Rights, Pharmacy, Financial Planning | Enquire |
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St George Business Loans | Full Business Banking products and Relationship Management. Industry focus - Professional Business Services, Manufacturing and Wholesaling, Healthcare and Community Services, Accommodation and Hospitality | Enquire |
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Suncorp Business Loan | Small Business area only do deals with a business or commercial component of less than $1M. The only business security accepted is Taxi plate - Max LVR 60% and Rent Rolls on LJ Hooker and First National Real Estate Agents | Enquire |
| PRIVATE LENDING | Hundreds of Providers | Hundreds of private lenders that look at short-term to longer term solutions for business loans. Flexible lending terms compared to main stream lenders. | Enquire |