Commercial Loans Australia

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Commercial Property & Business Finance with Brampton Finance

Brampton Finance provides specialist commercial loan solutions across Australia, helping business owners, investors and developers secure funding for commercial property, mixed-use assets, industrial facilities and complex business purposes.

Commercial lending is fundamentally different from residential finance. Every lender has unique policies, risk appetites and pricing models. Brampton Finance compares banks, non-bank lenders and private financiers to structure commercial loans that align with cash flow, asset strength, tenancy profile and long-term strategy.

From owner-occupied commercial properties to investment assets and development projects, we deliver clarity, leverage and speed in a complex lending environment.

 

Why Choose Brampton Finance for Commercial Loans?

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Commercial borrowers choose Brampton Finance because we operate beyond standard bank templates.

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We provide:

• Access to major banks, non-bank lenders and private funders

• Funding solutions for complex and non-standard transactions

• Higher LVR options where policy allows

• Fast approvals for time-sensitive acquisitions

• Support for trading entities, trusts, SMSFs and corporate structures

• Australia-wide service with strong local market insight

• Strategic advice — not just rate comparison

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What Are Commercial Loans?

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A commercial loan is a finance facility used to purchase, refinance or develop commercial or business-related property or assets. Unlike residential lending, commercial loans are assessed based on:

• Asset quality and location

• Rental income and lease strength

• Business financial performance

• Borrower experience

• Exit strategy

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Brampton Finance ensures your commercial loan is structured to support serviceability, flexibility and long-term scalability.

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Types of Commercial Loans We Arrange

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Commercial Property Loans

Finance for the purchase or refinance of:

• Office buildings

• Retail shops and shopping centres

• Industrial warehouses and factories

• Medical and professional suites

• Mixed-use properties

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Available for both owner-occupiers and investors.

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Business Premises Loans (Owner-Occupied)

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Owner-occupied commercial loans allow businesses to purchase their own premises instead of leasing, helping:

• Lock in long-term occupancy

• Build equity in a business asset

• Reduce exposure to rent increases

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Commercial Investment Loans

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For investors acquiring income-producing commercial assets. Lenders assess:

• Net rental income

• Lease terms and tenant strength

• Vacancy risk

• Asset location and market demand

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SMSF Commercial Property Loans

We arrange limited recourse borrowing arrangements (LRBAs) for SMSFs purchasing commercial property, subject to compliance requirements.

 

Commercial Refinance Loans

Refinance to:

• Reduce interest rates

• Improve loan terms

• Release equity

• Consolidate facilities

• Move from private to institutional lenders

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Development & Construction Finance

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Funding for:

• Commercial developments

• Mixed-use projects

• Industrial developments

• Change-of-use projects

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Includes land acquisition, construction funding and residual stock loans.

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Private & Non-Bank Commercial Lending

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For transactions requiring:

• Faster approvals

• Higher leverage

• Short-term funding

• Non-standard income or credit profiles

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Private lenders offer flexibility where banks cannot.

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Commercial Loan Structures Explained

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Variable & Fixed Rate Commercial Loans

Choose flexibility or certainty depending on cash flow requirements and interest rate outlook.

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Interest-Only Commercial Loans

Common in commercial lending to maximise cash flow, particularly for investors.

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Split Facilities

Separate loan tranches for different purposes or assets.

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Line of Credit Facilities

Flexible access to funds secured against commercial property equity.

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Commercial Loan Terms, LVRs & Pricing

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Commercial loans typically feature:

• Loan terms of 3–30 years

• LVRs generally ranging from 50%–70% (higher in select cases)

• Pricing influenced by:

  • Asset type

  • Lease strength

  • Location

  • Borrower profile

  • Lender appetite

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Brampton Finance negotiates pricing and terms based on risk positioning, not just headline rates.

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Commercial Loan Serviceability & Assessment

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Lenders assess commercial loans using:

• Net rental income and lease terms

• Business financials (if owner-occupied)

• Interest coverage ratios (ICR)

• Tenant covenant strength

• Exit strategy

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We package applications to align with lender credit teams, improving approval outcomes.

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Commercial Loans for Different Borrowers

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Business Owners

Secure premises, expand operations or restructure business debt.

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Commercial Property Investors

Acquire income-producing assets with scalable finance structures.

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Developers

Access land, construction and end-value funding.

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SMSF Trustees

Invest retirement savings into business real property.

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Commercial Loans by Property Type

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We arrange finance for:

• Offices

• Retail properties

• Industrial warehouses

• Medical and allied health buildings

• Childcare centres

• Service stations

• Mixed-use developments

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Each asset class has distinct lender preferences.

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Commercial Loan Interest Rates

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Commercial interest rates are priced individually and depend on:

• Asset risk profile

• LVR

• Lease quality

• Loan size

• Term and structure

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We benchmark offers across lenders to secure market-competitive pricing.

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Commercial Loans Australia-Wide

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Brampton Finance assists clients across:
Sydney, Melbourne, Brisbane, Perth, Adelaide, Canberra, Hobart and regional Australia.

Local insight combined with national lender access delivers better funding outcomes.

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Frequently Asked Questions – Commercial Loans

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What deposit is required for a commercial loan?
Most commercial loans require a deposit of 30%–50%, depending on asset and lender.

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Can I get a commercial loan without tenants in place?
Yes, though options may be limited and pricing may differ.

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Are commercial loan rates higher than home loans?
Generally yes, due to higher risk and bespoke pricing models.

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Can I refinance a commercial loan?
Yes. Refinancing can improve pricing, terms or release equity.

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How long does commercial loan approval take?
Timeframes vary. Non-bank lenders can approve faster than major banks.

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Why Use a Commercial Loan Broker?

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Commercial lenders do not publish clear pricing or policies. Brampton Finance:

• Knows lender credit appetite

• Structures deals strategically

• Improves approval probability

• Saves time and negotiation risk

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Speak to a Commercial Loan Specialist

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Commercial lending demands experience and strategy.

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Brampton Finance helps business owners, investors and developers secure commercial loans that support growth, flexibility and long-term value.

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Get a confidential commercial loan assessment today.

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Get Started Today

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At Brampton Finance, we help podiatrists secure the right mortgage solution — saving you time, money, and stress.

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📍 Office: Level 7, 35 Spring Street, Bondi Junction NSW 2022
📞 Phone: 02 9389 1077
📧 Email: info@bramptonfinance.com.au

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Speak to us today and unlock your home loan benefits.

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