Commercial Property Finance That Works for Your Business
Looking to secure finance for your property purchases, fit-outs, or renovations? We offer fast approvals, flexible terms, and funding tailored for growing Australian businesses.
No credit check to see if you are eligibleProperty Finance for Your Next Move
Planning to purchase, refinance or improve a commercial property? SME Money can help you explore finance options that support your business goals.
Our commercial property finance solutions may include property purchases, refinancing, equity release, bridging finance and funding for commercial fit-outs or renovations.
With access to a panel of lenders and support throughout the process, we make it easier to find a finance structure suited to your property and business needs.
Commercial property finance may be used for:
- Purchasing a warehouse, office or retail space
- Refinancing an existing commercial property loan
- Accessing equity from an owned commercial property
- Bridging the gap between buying and selling premises
- Funding a commercial fit-out or renovation
- Managing timing gaps in a property settlement
- Buying a partner’s share in a jointly owned commercial property
Explore Your Options
Compare commercial property finance options based on your property, business and funding needs.
Finance for Different Goals
Explore options for purchases, refinancing, equity release, bridging finance and property improvements.
Support Throughout the Process
Receive clear guidance from your initial enquiry through to approval and settlement.
Access to Multiple Lenders
Explore suitable commercial property finance options from a panel of lenders across Australia.
How to Apply
Apply for commercial property finance through a straightforward process, with support from enquiry through to settlement.
- Apply in minutes
Tell us about your business, the property and the finance you require. Supporting documents may be requested depending on the application. - Get a clear response
Our team will review your requirements, discuss suitable options and explain the next steps. - Progress to settlement
Once approved and all lender conditions are met, we’ll help coordinate the process through to settlement.
Calculate your repayments
Use SME Money’s loan calculator to instantly estimate your business loan repayments.
No credit check to see if you are eligibleRepayments Calculator
The calculator defaults to an interest rate of 6.00% p.a. for illustrative purposes. Users can adjust the interest rate to suit their own assumptions. All calculations are estimates only and do not constitute a loan offer or financial advice.
The calculator defaults to an interest rate of 6.00% p.a. for illustrative purposes. Users can adjust the interest rate to suit their own assumptions. All calculations are estimates only and do not constitute a loan offer or financial advice.
Frequently Asked Questions
Commercial property finance is a loan used to purchase, build, refinance, or renovate properties used for business — such as offices, warehouses, medical suites, or retail spaces.
Yes — we work with lenders that support purchases through companies, trusts, and SMSFs, with funding structures tailored to your entity type.
Most lenders offer up to 70–80% Loan-to-Value Ratio (LVR), depending on the property type, location, and your financials. Some may go higher with additional security.
We have lenders who offer low doc or alt doc options, which require minimal paperwork — ideal for self-employed borrowers or complex structures.
Commercial loans often have:
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Shorter terms (3–20 years)
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Higher interest rates
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Different LVR limits
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Stricter property zoning and usage requirements
But they can also offer more flexibility for business needs.
Yes. Many businesses refinance to access equity, get better rates, or extend loan terms to improve cash flow.
We can assist with loans for:
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Warehouses & industrial units
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Retail stores
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Offices & medical suites
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Mixed-use buildings
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Land for development (in some cases)
Yes — whether you’re buying premises to operate your business from or investing in commercial property for rental income, we can help match the right lender.
Yes — cross-collateralisation is an option. We’ll assess your full asset position to find the most cost-effective structure.
Simply request a quote or apply online through our secure portal. One of our finance experts will review your details and connect you to the most suitable lender.
What our clients have achieved with their finance.
Learn More
Funding When We Needed It Most
We needed funding fast, and SME Money delivered. From application to approval, the process was seamless and incredibly quick. Perfect for a growing business like ours!
Finance Clarity at Our Fingertips
The finance calculator was a game-changer. It gave us a clear picture of what we could afford, making the decision process so much easier.
Tailored Finance That Truly Fits
SME Money really understands small businesses. They tailored a loan package to suit our unique needs—no cookie-cutter solutions here.
Funding When We Needed It Most
We needed funding fast, and SME Money delivered. From application to approval, the process was seamless and incredibly quick. Perfect for a growing business like ours!
Finance Clarity at Our Fingertips
The finance calculator was a game-changer. It gave us a clear picture of what we could afford, making the decision process so much easier.
Funding When We Needed It Most
We needed funding fast, and SME Money delivered. From application to approval, the process was seamless and incredibly quick. Perfect for a growing business like ours!
Tailored Finance That Truly Fits
SME Money really understands small businesses. They tailored a loan package to suit our unique needs—no cookie-cutter solutions here.
Ready to grow your business?
Use SME Money’s loan calculator to instantly estimate your business loan repayments.
Get a Quote