Urgent Short Term Loans for SMSF Business Premises Settlements

We need to learn your scenario further. Our valuers will value the warehouse as it stands, and with the tenant in receivership they will look at whether the lease is likely to continue and how long the warehouse would take to re-lease if it does not. The term is set to the fund's plan for repaying us, such as a new long-term lender or a sale. Ask the fund's adviser to confirm the refinance keeps the fund's borrowing arrangement compliant, and ask the receiver whether the company will keep paying rent. Send us the fund's loan statement, the lease and the loan's expiry date.

Yes. The ATO has said the 10 August 2026 change does not apply where a fund refinances a limited recourse loan it entered into before that date, including with a new lender. Our loan is a first mortgage over the factory held in the holding trust, within 70% of its value. The usual plan is a long-term self-managed super fund lender refinancing our loan, and we agree that plan with your adviser before settlement.

• →First mortgage finance

Up to $1,400,000. Our limit is 70% of the lower of the assessed value and the purchase price, and 70% of $2,000,000 is $1,400,000, which leaves $600,000 of the price for the fund to pay. The fund's $700,000 covers that, with the balance available for the costs of the purchase. Your self-managed super fund adviser must first confirm that the warehouse qualifies as business real property.

The loan is worked out on the lower figure. 70% of $1,600,000 is $1,120,000, compared with $1,260,000 on the price, so the fund would need to contribute $140,000 more toward the purchase. Our valuers inspect the premises early, so the fund knows the figure well before the settlement date.

We need to learn your scenario further. The ATO describes business real property as land and buildings used wholly and exclusively in a business, and new arrangements from 10 August 2026 can only buy business real property. Your licensed self-managed super fund adviser must confirm that the building qualifies before we can lend. Ask them for that view before the fund signs.

It can be, if the holding trust is set up quickly. A self-managed super fund settlement usually takes around five business days, because our solicitors review the holding trust and trustee documents with your adviser before we lend. Ask your adviser for the holding trust deed now, and send us the contract and the fund's details the same day.

We ask to see it. Where a member's business will occupy the premises, the lease between the fund and the business is one of the documents we review, together with the fund's trust deed and the holding trust deed. Have your adviser prepare the lease alongside the purchase, so it does not hold up the settlement date.

It can be done, where your adviser confirms the purchase fits the rules. Buying business real property from a related party at market value is one of the exceptions the rules allow. Our loan would be a first mortgage over the warehouse, held in the holding trust, up to 70% of the lower of its assessed value and the price. Your adviser should confirm the market value and the property's use before the contract is signed.

Yes. We settle the fund's purchase with a first mortgage over the building, and the bank refinances our loan once its approval is complete. Ten days allows for the usual five business days, as long as the holding trust and trustee documents are ready. Send us the contract and your adviser's details today.

We set the term with that in mind. Our terms run from 1 to 24 months, so the loan can be set with room beyond the three months your adviser expects. The usual plan is a long-term self-managed super fund lender refinancing our loan, or occasionally the sale of the property, and we agree it with your adviser before settlement. Under the rules, the lender's recourse is limited to the property the fund bought.

We ask that a licensed adviser is involved. Anyone advising on a self-managed super fund must hold an Australian financial services licence or be authorised by a licensee, and the ATO recommends advice from a qualified, licensed professional. We are a lender and cannot give that advice ourselves. Once you have a licensed adviser, we work with them and your accountant to meet the settlement date.

Yes, but only business real property under a new limited recourse borrowing arrangement. The ATO says arrangements entered into on or after 10 August 2026 to buy real property can only be used to acquire business real property. An SMSF can still buy residential property, but it cannot borrow to do so under a new arrangement.

Yes. The ATO has said the 10 August 2026 change does not apply where a fund refinances a limited recourse loan it entered into before that date, including with a new lender. That covers residential property too, so a fund with an existing residential loan can still refinance it.

The loan can pay for repairs and maintenance, but not for improvements. The ATO rules say borrowed money cannot be used to improve the asset, and the ATO gives building a house on vacant land as an example of an improvement. Your adviser can tell you whether your planned works count as a repair or an improvement.

No. Under the ATO rules, the property bought under a limited recourse loan cannot carry any other mortgage or charge, and the lender's recourse is limited to that property. That is why an SMSF loan is always a first mortgage over the one property.

We need to learn your scenario further. Premises used wholly and exclusively in a business can qualify as business real property, and buying them from a related party at market value is one of the exceptions the rules allow. Your SMSF adviser must confirm the property qualifies before we can lend.

No. We are a lender, and advice on an SMSF must come from someone who holds an Australian financial services licence or is authorised by a licensee. Speak to your licensed SMSF adviser first, and we will work with them on the loan.

We can give you indicative terms the same day, depending on your scenario, but an SMSF settlement usually takes around five business days. The holding trust and trustee documents must be reviewed before we lend, and that is what takes the extra time. Calling us as soon as the contract is signed gives us the time to meet your date. The case studies below are not SMSF loans: they show how quickly we settle where no holding trust review is needed.

• →$3.2 million funded within 24 hours for a client let down by slower lenders
• →$1.88 million settled in 48 hours when a mainstream lender was delayed

Yes, with a separate loan to the business. It must be secured by property outside the fund, such as a director's home or an investment property, because the fund's property can carry no other charge. We lend to professional services, manufacturing and other businesses for working capital.

• →Professional services lending
• →Working capital loans