Private Finance for Commercial Property Purchase

Who This Is For

Secured Lending provides private commercial property loans to Pty Ltd companies, family trusts (discretionary and unit), and SMSFs. Loans from $250,000 to $10,000,000 and above, secured against commercial property at up to 70% LVR. All lending is for business purposes only. We do not lend to individuals in their personal name under any circumstances.

The borrowers who come to us are typically sophisticated commercial property buyers who understand exactly what they want. A business purchasing its own premises. An investor building a commercial portfolio. An SMSF trustee acquiring a business real property under SIS Act rules. A property developer acquiring a site or releasing equity from a completed project. What they share is a need for a lender that can move fast, assess on the strength of the asset, and structure to the entity type rather than to a rigid income model.

Why Banks Are Often Not the Answer

Commercial property lending from mainstream banks has become more conservative in recent years. Appetite has pulled back on certain asset classes — vacant commercial, office, specialised assets, hospitality. Serviceability models penalise trust distributions and company retained earnings. Processing timelines for complex entities run 6 to 12 weeks, which is incompatible with auction purchases, settlement deadlines, and time-sensitive acquisitions.

A private lender assesses the deal differently. The security property, the LVR, the borrower's exit strategy, and the quality of the equity position drive the decision — not whether the income fits a calculator. That makes private lending the right tool for transactions that banks decline outright, transactions that banks could do but not in time, and transactions where the entity structure creates friction in standard credit models.

Commercial Property We Lend On

We lend across industrial property (warehouses, logistics facilities, factories), retail (strata shops, showrooms, large-format), office, mixed-use (commercial and residential combined title), and specialised assets including medical centres, childcare facilities, service stations, and hospitality venues. Tenanted, owner-occupied, and vacant commercial property are all eligible.

Borrower Structures We Work With

Pty Ltd companies are the most common structure for commercial property. The company holds title, directors provide personal guarantees, and the loan is structured as a full-recourse commercial mortgage. Asset protection and tax efficiency are the usual drivers.

Family trusts holding commercial property require the trustee's authority to borrow to be confirmed in the trust deed. Discretionary and unit trusts are both eligible. We review the trust deed as part of the assessment and structure the loan to the trustee entity.

SMSFs can purchase commercial property directly — unlike residential investment, an SMSF can buy commercial property it uses in its own business under the SIS Act business real property rules. LRBA mechanics apply. We lend to SMSFs for commercial property purchase via Limited Recourse Borrowing Arrangement and work with your SMSF adviser and solicitor to confirm the structure before settlement.

Speed and How It Works

We hold direct credit authority. Our in-house valuation team assesses security concurrently with credit underwriting. We do not require external committee sign-off. A complete enquiry submitted today receives an indicative assessment the same day. For clean deals with clear title and a defined exit strategy, settlement within 24 to 72 hours is achievable. Auction purchases, pre-settlement bridging, and time-critical refinances are standard use cases for our commercial property team.

Explore by Scenario

• →Industrial property loans for corporate borrowers
• →Retail commercial property finance
• →Office property purchase loans
• →Mixed-use property loan — commercial and residential
• →Specialised commercial property finance
• →Vacant commercial property loans
• →Owner-occupier commercial property purchase
• →Commercial investment property loans
• →Commercial property loans in company name
• →Commercial property loans through a family trust
• →SMSF commercial property loans via LRBA
• →Commercial property bridging finance
• →Refinance commercial property to private lender
• →Equity release from commercial property
• →Second mortgage on commercial property
• →Finance for property developers — site acquisition and settlement
• →Commercial property finance after a bank decline