Commercial Loans Brisbane
Compare commercial finance options in Brisbane. We help you explore commercial property loans, business loans & equipment finance. Free comparison.
Growing your Brisbane business or investing in commercial property requires the right finance. Compare commercial finance options from specialist lenders and connect with brokers who understand business lending.
Commercial Finance Solutions
Brisbane business owners and investors have access to various commercial finance options:
Commercial Property Loans
Finance for purchasing commercial real estate including:
- Retail shops - Shopping centres, standalone retail
- Office space - CBD and suburban offices
- Industrial - Warehouses, factories, distribution centres
- Mixed-use - Retail with residential above
- Development sites - Land for commercial development
Business Loans
Working capital and growth finance for Brisbane businesses:
- Business expansion - Fund growth initiatives
- Working capital - Improve cash flow
- Stock and inventory - Finance seasonal stock purchases
- Business acquisition - Buy an existing business
Equipment Finance
Fund essential business equipment:
- Vehicles - Fleet cars, trucks, utes
- Machinery - Manufacturing and construction equipment
- Technology - IT equipment and systems
- Medical equipment - For healthcare practices
Commercial Loan Features
Commercial loans differ from residential mortgages. Key features include:
Loan Terms
- Typically 15-25 years (shorter than residential)
- Interest-only periods available
- Balloon payment options for some loans
Interest Rates
- Generally higher than residential rates
- Variable and fixed options
- Rate depends on security, LVR, and business strength
Loan to Value Ratio (LVR)
- Typically 60-70% for commercial property
- Higher LVRs available for strong borrowers
- Additional security can improve terms
Commercial Property Investment in Brisbane
Brisbane’s commercial property market offers opportunities across sectors:
Industrial Property
Strong demand driven by e-commerce growth and logistics needs. Popular areas include Rocklea, Eagle Farm, and Trade Coast.
Office Space
CBD and fringe office markets with competitive yields. Medical and professional suites in high demand.
Retail Property
Neighbourhood shopping centres and food retail performing well. Brisbane’s population growth supports retail investment.
Commercial Lending Requirements
Commercial loan applications require more documentation than residential:
- 2-3 years financial statements (profit & loss, balance sheet)
- Tax returns for the business and directors
- Cash flow projections
- Business plan for new ventures
- Details of existing business assets and liabilities
- Commercial property valuation
Self-Employed Home Loans
Are you a Brisbane business owner looking to buy a home? Self-employed borrowers face additional scrutiny. A qualified broker can help by:
- Finding lenders who understand business income
- Using the right income verification method
- Structuring applications for maximum borrowing
- Low-doc options where financials are limited
SMSF Commercial Property
Purchasing commercial property through your Self-Managed Super Fund can be tax-effective, especially if your business leases the property from your SMSF. SMSF-approved lenders specialise in these transactions.
Commercial Lenders to Compare
Commercial finance is available from various lender types:
- Major Banks: Commonwealth Bank, ANZ, NAB, Westpac
- Commercial Specialists: Macquarie, St.George
- Non-Bank Lenders: Liberty, La Trobe, Thinktank
- Equipment Financiers: Multiple specialised providers
Different lenders suit different scenarios - a commercial broker can help match your needs to the right lender.
Brisbane Industries Served
Commercial finance is available for Brisbane businesses in:
- Healthcare and medical practices
- Professional services (legal, accounting, engineering)
- Retail and hospitality
- Construction and trades
- Manufacturing and distribution
- Transport and logistics
- Technology and startups
Commercial Finance Process
Commercial applications take longer than residential. Typical timeline:
- Initial consultation - Understand your needs and financials
- Document gathering - Compile required documentation
- Lender selection - Identify suitable lenders
- Application submission - Formal application lodged
- Assessment - Lender reviews business and security
- Approval and settlement - 4-8 weeks for most transactions
Free Commercial Finance Comparison
Need commercial finance in Brisbane? Use our free comparison service to explore your options, then connect with commercial lending specialists for personalised advice.
Explore Commercial Finance Options
This is general information only and not financial advice. Connect with a licensed finance broker for advice specific to your business situation.