Commercial Property Loans
Dark Horse Financial arranges commercial property loans through a large panel of bank, non-bank and private lenders, helping business owners and investors purchase, refinance or release equity from commercial real estate. As a credit-licensed broker we match your deal to the lender whose loan-to-value ratio (LVR), loan term and documentation requirements actually suit your income profile, which means you apply once and you apply with the right lender.
Quick Enquiry
Get a free, obligation-free assessment. Usually responds within 2 hours.
How Commercial Property Loans Work
Four steps from your first conversation with a broker through to settlement on your commercial property.
Speak to a Broker
Tell us about the property and how it'll be used and how your business earns its income, and we'll outline the lenders on our panel that suit the deal.
Contact Us →Match to the Right Lender
We put your application to the one lender whose credit policy actually fits your income, your structure and the LVR you need, rather than lodging with several and waiting to see who approves.
Start Application →Valuation and Approval
The lender orders a valuation on the property and works through its own assessment, and once that's done you receive formal approval.
Ask a Question →Sign and Settle
Loan documents get signed, the purchase or refinance settles and then you either move in or hand the keys over to your tenants.
Get Started →Rated by Our Clients on Google
Commercial Property Loans for Australian Businesses
Commercial property finance is used to purchase, refinance or draw equity from commercial real estate, whether that's office, retail, industrial and warehouse or mixed-use property. It isn't assessed like a residential mortgage, lenders test serviceability differently and set different loan terms and criteria, and eligibility also depends on whether your business will occupy the premises itself or the property is an investment leased to tenants.
Planning to build or develop rather than buy? See our construction finance and property development finance options.
What Can a Commercial Property Loan Be Used For?
Most commercial property loans are used for one of the following purposes.
Buying owner-occupied premises for your business, such as an office, shopfront or warehouse
Purchasing an investment commercial property to lease to tenants
Refinancing an existing commercial property loan to improve its structure or term
Releasing equity from property you already own to fund growth, another purchase or working capital
Purchasing mixed-use property that combines commercial and residential space
Buying your business premises through a self-managed super fund (SMSF), a specialist structure best discussed with a broker and your accountant
Who Is a Commercial Property Loan Suitable For?
A commercial property loan may suit you if you are:
- A business ready to buy its own premises instead of continuing to lease
- An established business with a trading history, looking to turn rent into an owned asset
- A property investor building or expanding a commercial portfolio
- A property owner wanting to refinance for better structuring or to release equity
- Self-employed, or earning complex income that doesn't fit standard bank serviceability tests
- A business considering a commercial property purchase through its SMSF
Am I Eligible for a Commercial Property Loan?
Lenders look at the whole deal, not just the property. The main factors they assess are:
- Your business trading history and financial statements
- The property type and whether it will be owner-occupied or leased
- Your deposit or available equity
- Your capacity to service repayments from business or rental income
Banks, non-bank lenders and private financiers each treat LVR, loan term and documentation in their own way and the gap between them is wider with property than with most other finance, so getting your application in front of the right lender first really matters.
Check Your Eligibility
Tell us about the property and your business, and we'll outline your options before you apply.
Quick Enquiry →Commercial Property Loan Success Story
A Manufacturer's $1.9M Industrial Site Purchase at a 95% LVR
Challenge: A successful manufacturing business wanted to buy its own industrial site, but the director was an ex-bankrupt after a previous business went under in the 2011 Brisbane floods.
Solution: Dark Horse gathered evidence from the insolvency firm and flood maps, and argued the past insolvency was a force majeure event, not the result of poor management.
Outcome: The bank approved the purchase at a 95% LVR, and a $300,000 unsecured overdraft followed a few days after settlement.
Why Choose Dark Horse Financial for Commercial Property Finance?
As a commercial property finance broker, we arrange finance through a panel of lenders. We don't lend ourselves.
Licensed and Accountable
Credit Representative No. 465325 of Buyers Choice Licencing Pty Ltd (Australian Credit Licence 509484), part of the Money Quest Group network of 600+ brokers.
Bank, Non-Bank and Private
A large panel of banks, non-bank lenders and private financiers, and in property finance that matters more than most because lender criteria can differ sharply from one to the next.
One Application, Right Lender
Your application is shaped around the lender whose LVR, term and documentation requirements fit from the start, so you're not guessing which lender to approach and then reapplying when it doesn't work out.
Established Since 2013
More than 10 years in business and 1,000+ Australian businesses funded.
Complex Income Welcome
Self-employed and complex-income borrowers are assessed against non-bank and private criteria, not just bank policy.
No-Obligation Assessment
A free initial assessment, with no obligation to proceed.
Frequently Asked Questions
Common questions about commercial property loans, answered directly.