Commercial Loans
Are you looking to purchase or refinance a commercial property, needing more working space for your business to grow, upgrading your current work equipment or just needing access to additional working capital. I can help you find the right commercial lending solution for your business needs.
Borrower Types
Commercial Loan Purposes
What Commercial Loans Are There?
Commercial Full Doc
A Commercial Full Doc Application is a standard commercial loan application where the borrower provides complete financial documentation to verify income, serviceability, and financial position. It’s the most traditional and lowest-risk loan type for lenders, which usually means better rates and higher LVRs (up to 80%)
Full Doc is ideal for:
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Established businesses with stable income
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Applicants wanting the lowest rates
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Those looking to maximise borrowing capacity (up to 80% LVR)
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Borrowers happy to provide full financials
Benefits
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Lowest interest rates
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More lender options
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Longer terms and better features (offset, IO options, etc.)
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Higher LVR approved compared to Low Doc
Considerations
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Requires full financial disclosure
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Longer processing times due to credit assessment
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Not suitable for applicants with complex or irregular income
Commercial Low Doc
A Commercial Low Doc Application is a type of commercial loan designed for self-employed borrowers or businesses that can’t provide full financials, such as full tax returns or complete financial statements. Instead, lenders accept alternative forms of income verification, making the process faster and less paperwork-heavy than a Full Doc loan.
Low Doc is ideal for:
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Self-employed / SME owners without up-to-date tax returns
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Borrowers in growth phase reinvesting profits
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Businesses with strong cash flow but limited formal financials
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**Applicants wanting faster approvals with less paperwork
Benefits
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Less paperwork than Full Doc
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Faster assessment and approvals
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More flexible assessment on income
Considerations
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Interest rates higher than Full Doc
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LVR typically capped around 65–70%
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Fewer lender options (specialist lenders)
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Some lenders may require personal guarantees or additional security
Commercial Lease Doc
A Commercial Lease Doc Application is a specialised type of commercial loan where the rental income from the property lease is used as the primary income for servicing the loan, rather than traditional business or personal income documents.
This product is popular among property investors where a strong tenant lease agreement can justify the repayment capacity even if the borrower cannot provide full financials.
Lease Doc is ideal for:
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Commercial property investors
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Borrowers wanting a low-doc pathway but with a leased asset
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Those prioritising speed and simplicity over rate
Benefits
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No need for full tax returns or financials
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Rental income is used for servicing — easier qualification
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Faster approval for already leased properties
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Good for SMSFs with long-term tenant lease arrangements
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Considerations
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LVR usually capped at 70–75%
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Tenant quality and lease term significantly affect approval
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Vacant properties typically don't qualify
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Rates slightly higher than Full Doc but often similar to Low Doc
Commercial Private Lending
A Commercial Private Lending Application is a finance solution provided by private or non-bank lenders rather than traditional banks. These loans are designed for fast, flexible funding where traditional lending criteria (like full income verification or credit scoring) may not be met often used for time-sensitive, complex, or non-standard scenarios.
Private lenders focus more on the security property and exit strategy rather than detailed financial documents.
Private Lending is ideal for:
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Urgent settlement or bridging finance
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Borrowers declined by banks due to credit history or insufficient docs
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Developers or investors needing quick capital release
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Businesses with ATO debt, arrears or short trading history
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Short-term strategy with clear exit/refinance plan
Benefits
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Fast approvals — sometimes within 24–48 hours
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Minimal documentation or income verification
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Flexible loan structures — interest-only, prepaid interest, capitalised interest available
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Suitable for complex deals banks won’t consider
Considerations
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Interest rates are higher than bank and low-doc loans
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Loans are usually short-term (6–24 months)
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Clear exit strategy is essential
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Lower maximum LVR compared to banks