Tailored
Commercial Property
Finance Solutions
Secure competitive commercial property finance tailored to your investment goals. From office spaces to industrial warehouses, we'll help you find the perfect loan structure for your commercial real estate.
Accredited and trusted
We're proud members of leading industry bodies, ensuring you receive professional and tailored financial solutions.
FBAA Member
Finance Brokers Association of Australia
AFCA Member
Australian Financial Complaints Authority
FRANdata Partner
Franchise Industry Research & Analytics
Access to 70+ business lenders
We work with Australia's leading bank, non-bank and private lenders to find you competitive rates and terms for your business needs.
What is commercial property finance?
Commercial property finance is specialised lending designed for purchasing, refinancing, or developing commercial real estate. This includes office buildings, retail shops, industrial warehouses, medical centres, and mixed-use developments.
With flexible terms, competitive rates, and loan structures tailored to commercial property investments, these loans help investors and owner-occupiers secure the properties they need to grow their businesses and build wealth.
Key Benefits
Discover the advantages of commercial property finance for your investment and business growth strategy.
Higher Loan Amounts
Access substantial funding up to $20 million or more for large-scale commercial investments.
Competitive Rates
Commercial property loans often offer lower rates than other business finance options.
Longer Loan Terms
Terms up to 30 years available, allowing for manageable repayments and better cash flow.
Asset-Backed Security
The property itself serves as security, often enabling better terms and higher LVRs.
Capital Growth Potential
Build long-term wealth through property appreciation while generating rental income.
Tax Benefits
Potential tax deductions on interest, depreciation, and property-related expenses.
Commercial property finance at a glance
What are the fees & costs?
Understanding commercial property finance costs helps you budget effectively for your investment strategy.
Common Fees
Interest Charges
Who is it for?
Commercial property finance is ideal for investors and businesses looking to acquire income-producing real estate.
Don't just take our word for it.
Read what our clients have to say about Splendid.
Sharni
GM, Online Retailer
"Bhavi was incredibly supportive and knowledgeable throughout the process of securing new funding for our eCommerce business. Always available to discuss any questions or concerns, he explained our options with clarity and patience."
Abhi
Owner, Logistics Company
"We are incredibly supportive and knowledgeable throughout the process of securing our business loan. Their expertise made all the difference, and we couldn't be happier with the outcome."
Helen
Director, Software Company
"Excellent service. The whole experience was seamless, fast and easy. Very impressed with how everything was managed, great communication along the way."
Simon
Owner, Marketing Agency
"Bhavi is fantastic to work with and genuinely cares about getting the best outcome for his clients. I highly recommend Splendid for any small businesses looking for finance solutions."
Byron
Founder, Development Company
"Great experience, spoke to me the whole way, got a great deal and never felt pressured at any time, highly recommend these guys."
Sharni
GM, Online Retailer
"Bhavi was incredibly supportive and knowledgeable throughout the process of securing new funding for our eCommerce business. Always available to discuss any questions or concerns, he explained our options with clarity and patience."
Abhi
Owner, Logistics Company
"We are incredibly supportive and knowledgeable throughout the process of securing our business loan. Their expertise made all the difference, and we couldn't be happier with the outcome."
Helen
Director, Software Company
"Excellent service. The whole experience was seamless, fast and easy. Very impressed with how everything was managed, great communication along the way."
Simon
Owner, Marketing Agency
"Bhavi is fantastic to work with and genuinely cares about getting the best outcome for his clients. I highly recommend Splendid for any small businesses looking for finance solutions."
Byron
Founder, Development Company
"Great experience, spoke to me the whole way, got a great deal and never felt pressured at any time, highly recommend these guys."
Sharni
GM, Online Retailer
"Bhavi was incredibly supportive and knowledgeable throughout the process of securing new funding for our eCommerce business. Always available to discuss any questions or concerns, he explained our options with clarity and patience."
Abhi
Owner, Logistics Company
"We are incredibly supportive and knowledgeable throughout the process of securing our business loan. Their expertise made all the difference, and we couldn't be happier with the outcome."
Helen
Director, Software Company
"Excellent service. The whole experience was seamless, fast and easy. Very impressed with how everything was managed, great communication along the way."
Simon
Owner, Marketing Agency
"Bhavi is fantastic to work with and genuinely cares about getting the best outcome for his clients. I highly recommend Splendid for any small businesses looking for finance solutions."
Byron
Founder, Development Company
"Great experience, spoke to me the whole way, got a great deal and never felt pressured at any time, highly recommend these guys."
Is my business eligible?
Check if your investment meets our commercial property finance requirements for competitive rates.
General Requirements:
Documentation Required:
What are the steps involved?
Property Assessment
We evaluate your target property, location, and investment strategy to structure the optimal financing solution.
Financial Review
We assess your financial position, deposit available, and loan servicing capacity across our lender network.
Lender Selection
We match you with specialized commercial property lenders offering competitive rates and suitable terms.
Application Lodgement
We submit your complete application with all supporting documentation to expedite the approval process.
Settlement Support
We coordinate with solicitors and conveyancers to ensure smooth settlement and timely property acquisition.
Why work with a broker like Splendid?
Access to multiple lenders
Compare offers from ~70 business lenders to find the right deal for your unique needs.
Save time and effort
We handle the application process and negotiate with lenders on your behalf.
Expert guidance
Our experienced team provides personalised advice based on your business needs.
Better outcomes
Higher approval rates and more favourable terms through our lender relationships.
How do I compare commercial property finance offers from different lenders?
When comparing commercial property finance, consider these important factors beyond just the interest rate:
Key Comparison Factors:
Additional Considerations:
FAQs
Commercial property loans typically have higher interest rates, shorter loan terms, lower LVRs (usually 60-80%), and are assessed based on the property's income-generating potential rather than just personal income.
Yes, SMSFs can purchase commercial property through limited recourse borrowing arrangements (LRBAs). This includes properties you can lease back to your own business, subject to strict compliance requirements.
Most lenders require a minimum 20-30% deposit for commercial property. Some may offer up to 80% LVR for strong applications with quality tenants and prime locations. Owner-occupiers often get better terms.
With complete documentation, indicative approval can be obtained within 72 hours. Formal approval typically takes 1-2 weeks, with settlement occurring 2-4 weeks after approval depending on complexity.
Accelerate your business growth.
Get your personalised commercial property finance quote today and discover how we can help your business grow. Join the hundreds of Australian businesses we've helped secure funding.