It’s not easy finding the right finance for your commercial investment or business and it can be tricky, time consuming and confusing. And again, you’ll probably be asked to jump through hoops.
There’s a good reason Shore Financial is the fastest growing mortgage brokerage in Australia. We’ll provide you with access to commercial and business loan solutions from leading lenders across Australia.
If you’re ready to consider a commercial or business loan, there are some key questions you need to ask yourself first:
We’ll help you understand the loan criteria and potential risks and liabilities for both your business and you as an individual. And we’ll work with you to navigate, evaluate and understand the many different loan features and options to get the best rates and conditions that suit your circumstances and the requirements of your business.
Criteria vary widely among business loan providers. Here at Shore, our access to over 70 different lenders puts us in a unique position with a high-level perspective – so we’re able to guide you through the process and offer a carefully considered strategy to maximise your opportunities.
As a starting point, you should consider collecting the following documents to assist with your business loan application:
A commercial loan is finance provided to a business or investor to purchase, refinance or develop commercial property. This can include offices, warehouses, retail spaces, or large-scale residential projects.
Commercial loans can be used for a wide range of purposes, including:
Commercial loans are typically used for income-producing or business-related properties. They may have different interest rates, loan terms, and assessment criteria compared to residential loans, and often require a larger deposit and more detailed financials.
This depends on the type of property, your business or investment profile, and the lender’s criteria. Generally, lenders offer up to 70–80% LVR (Loan to Value Ratio), but this can vary based on risk and security.
We can help finance a wide range of properties including:
Not always. We have access to lenders that offer low doc commercial loans for self-employed applicants or investors who don’t have up-to-date tax returns, provided other criteria are met.
Terms typically range from 1 to 30 years, depending on the loan purpose and lender. Interest-only and principal & interest options are available.
Interest rates vary depending on the loan type, risk profile, and security. Fixed and variable options are available, and we’ll compare offers across our panel of over 70 lenders to find the most competitive solution for you.
Full-doc loans usually require:
Financial statements (or BAS for low-doc)
Business or personal tax returns
Property details and lease agreements (if applicable)
Personal ID and asset/liability position
We’ll tailor the documentation checklist to your loan type and lender.
We take the complexity out of commercial finance. Our experienced brokers work with over 70 lenders and understand how to structure your deal to maximise borrowing power, minimise risk, and streamline approvals.
Being Australia’s #1 independent brokerage, we provide you with the scale, strength, and experience to fight for the best deal and acquire it for you.
Excellence recognises excellence. Master real estate agents who know the industry, need timely finance solutions, and five-star service for their clients all recommend the Shore expertise.
Shore takes pride in having the highest customer feedback scores in the industry, based on real customer data.
We appreciate your message and a Shore Financial Adviser will respond to you within a few short days. In the meantime, here’s a few links to keep you occupied.
We appreciate your message and a Shore Financial broker will respond to you within a few short days. In the meantime, here’s a few links to keep you occupied.
