Owner Occupier Commercial Property Loans

The most common scenario we see is straightforward: a business has been leasing its premises for years, the right property becomes available, and the vendor wants settlement in 30 days. The bank takes 8 to 12 weeks. That timing gap costs business owners deals they should be winning. We bridge it.

Who This Is For

• •Pty Ltd companies purchasing commercial premises for their own business operations
• •Discretionary and unit family trusts acquiring commercial property their business occupies
• •SMSFs purchasing business real property under SIS Act rules, one of the few cases where an SMSF can acquire property it directly uses in its own business
• •Business owners across all sectors: manufacturing, medical and healthcare, retail, hospitality, professional services, logistics, construction, and trades
• •Not available to natural persons borrowing in their personal name
• •Not available for owner-occupier residential property or any NCCP-regulated consumer credit

How It Works

Submit your scenario with the property address, purchase price, borrower entity type, and proposed LVR. Our credit team reviews it the same day and comes back with an indicative position. If you want to proceed, we issue a letter of offer within 24 hours of agreed terms.

Our in-house valuation team assesses the commercial property concurrently with credit underwriting. Legal documentation is prepared in parallel. For clean deals with clear title and a defined exit strategy, settlement from 24 to 72 hours is achievable from a signed loan agreement.

The typical exit is refinance to a long-term commercial mortgage with a bank or specialist non-bank lender once the business has time to complete that process properly. We are the fast bridge, not the long-term facility.

Three Scenarios We Have Recently Helped

A manufacturing company operating as a Pty Ltd had leased a 1,200sqm warehouse in Western Sydney for six years. The landlord offered to sell. Settlement required in 28 days. The company's bank had a 10-week commercial processing timeline. We assessed the property and settled in 72 hours. Loan: $1.85 million, first mortgage, 62% LVR. The company refinanced to its bank nine months later once that process concluded.

A family trust operating a medical practice needed to purchase the strata medical suite it had leased for nine years. The vendor was an estate and required a 35-day settlement. The trust's financials were complex across multiple related entities, and two banks declined on serviceability. We assessed on the property value and the trust's overall asset position. Loan: $980,000, first mortgage, 58% LVR, 8-month term with exit via specialist non-bank lender.

An SMSF trustee company wanted to purchase a small office suite for use by the fund member's professional services practice, a qualifying business real property transaction under SIS Act rules. The fund had strong assets but the LRBA structure was unfamiliar territory for the member's existing lender. We structured the LRBA, coordinated with the SMSF auditor and solicitor, and settled in five days. Loan: $680,000, 12-month term.

Speed and Process Advantage

We hold direct credit authority for commercial property decisions. In-house valuers assess the security simultaneously with underwriting. No external committee, no multi-week documentation queue. A complete enquiry submitted today receives an indicative credit response the same day. For owner-occupier purchases where the vendor has a firm settlement date, that timeline is what separates a completed acquisition from a missed opportunity.

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