Commercial Property Loans

Find out if our commercial property finance options are right for you - funding up to $500,000+
No impact on your credit score

commercial property Financing Specialists

If you need finance for the purchase of commercial property, a certified specialist at the Australian Lending Centre can give you the information you need. 

We have solutions for those investors just starting out in commercial property as well as more advanced finance options for those building a commercial property portfolio. Learn more about investing in commercial property.

Types of Commercial Property Loans

There are numerous benefits to owning a piece of Australia’s commercial real estate — including tax advantages. When you own commercial real estate, you can control your own overhead expenditures, appreciations and depreciations. With Australian Lending Centre you can access private funding for your commercial loan purchase or refinance up to $5 million. We help make the application process as simple as possible — regardless of your credit file.

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Commercial Property Refinance

Get a better rate and free up capital by refinancing your current commercial property.

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Land Loans

Get up to 12 months’ holding while waiting for a DA or presale requirement to pass.

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Rural Property Financing

Buy crop-producing properties or expand your acreage with competitive financing.

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Subdivision Financing

Specifically designed to help developers in subdividing the property into smaller properties.

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Factory Financing

Get the equipment and property you need to back your factory operation!

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Retail Property Loan

Financing for the purchase of retail property to lease yourself or to another retail tenant.

purchase of commercial property - warehouses

Commercial Property Loans Tailored To Your Business

Our customers know we are faster and easier with commercial property loans than the banks. Your business loans in Australia can be approved right over the phone. In fact, depending on the case, you could receive your commercial property loan within as little as 24 to 72 hours.

When you need commercial property loan finance, the friendly team at the Australian Lending Centre gives you the information you need to determine if an ALC business loan is right for you. Contact us today for assistance with the purchase of commercial property.

Occupied Commercial Property Loans

Our experts work with you to help you decide whether or not purchase of commercial property is a sound investment. Once we’ve worked out the details, we’ll access our network of private funding and lenders to find the right commercial property loans for your company. Whether you need a warehouse, new office or factory, we have the options to get it done.

purchase of commercial property - office space
purchase of commercial property - office building

Commercial Property Loans to Refinance

If you already own a piece of commercial property, but you need a more favourable rate, consider a refinance through our commercial loan services. We have private funding available to help you refinance your current commercial property loan into a more desirable loan.

Start Your Commercial Property Loan Process Here

If you’re ready to take the next step in growing your business, contact a financial specialist today.

Does your business have bad credit? Not to worry. Australian Lending Centre is the leader in bad credit commercial loan products. We have a vast network of lenders with private funds just for bad credit applicants. Don’t let previous rejections or bad credit history get in the way of your investment opportunity. Contact us now

purchase of commercial property - residential towers
purchase of commercial property - redevelopment

Reliable Land Sub-Division Finance

All it takes is a quick phone call to Australian Lending Centre to get started on your subdivision property development. Our specialists can tell you how much you qualify for, the terms and help you find the most competitive interest rates so your subdivision project gives you the biggest return on your investment.

Contact a property development finance specialist today.

February 22, 2024
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Thank you soo much for all your kind help Chloe! You have been amazing to deal with and have simplified the whole process for me. Fabulous customer service 😃

February 22, 2024
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Great assistance & very professional

February 20, 2024
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Pat was so caring and empathic and gave me clear guidance on my best options!

February 19, 2024
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Pat was very helpful and easy to converse with. Thanks Pat!

February 17, 2024
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Chloe has been amazing very efficient and lovely to deal with. Thank you so much
February 16, 2024
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Pat was absolutely amazing ! Such an incredible help he has shown !

February 15, 2024
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This morning Pat contacted me to discuss my debts, he was extremely understanding and willing to find a solution to help me in many ways to have a stress free option to consolidate my debts. Pat valued my time and allowed me to be vulnerable and express my financial hardship. Thank you for all your help Pat!

February 14, 2024
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Very helpful took so much stress off my shoulders, didn’t think I’d be able to get out of the situation I was in. Great service

February 9, 2024
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Chloe was super friendly and helpful

February 8, 2024
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I dealt with Pat,
He was very professional and so nice to deal with. He explained everything so well and was amazing. Thanks again Pat

January 30, 2024
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Pat was fantastic, non-judgmental, answered all my questions clearly. He was friendly and warm, I could tell he actually cares about the people he is doing his best to help. 10 stars for Pat!!!

January 29, 2024
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Nothing less I would say about the customer service. The guy named PAT was really helpful and accommodating. He is really informative and would help you go through the process with transparency. Great experience and really a wonderful guy.

January 25, 2024
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He was very helpful and understand too notch employee

January 18, 2024
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Pat was super helpful, non judgemental, accomodating and compassionate. The exact ingredients of support I needed during this extremely difficult time for me. I am truly grateful to him beyond words.

January 17, 2024
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Chloe explained everything in detail, professional, compassionate and easy to talk to. She made me feel like a person, positive about everything. She is a great asset to the company.

January 16, 2024
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Chloe was absolutely amazing and super friendly!! Thank you!

January 15, 2024
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Chloe was very friendly, considerate and understanding. She was also extremely professional and handled my case with great efficiency.

December 20, 2023
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Was great to talk to would do it again if I had to

December 20, 2023
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Chloe was amazing! Transparent and honest and made me feel really comfortable through the whole process. For the first time in a long time I don’t feel so helpless.
Thank you again Chloe for your understanding and support!

December 18, 2023
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Chloe was fantastic to deal with, very professional!!

December 13, 2023
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Chloe was great! Great service and very friendly. Glad to find a solution

December 13, 2023
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Chloe was amazing to speak with. So kind and very helpful.

December 7, 2023
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A big thank you to Emma Jabbour 🙂 for exceptional customer service. Emma wanted to help me get a successful outcome to my enquiry. I look forward to doing business with Emma in the not too distant future. Many thanks, Daniela Marks

December 7, 2023
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Chloe was brilliant and super helpful

December 6, 2023
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Chloe was so supportive and understanding and didn’t make me feel stupid for my situation.

December 4, 2023
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Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service :)

December 4, 2023
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Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service :)

November 29, 2023
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Pat was very easy to talk too. I not big on taking on the phone, but pat made it easy experience. The way he explained everything for me made it easier for me to understand all the information he was giving me.
Thanks Pat.

November 28, 2023
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Pat was great, knew what he was talking about, very friendly. Couldn’t say a bad word about him.

November 28, 2023
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Was able to calm me down and feel less embarrassed about my debt.
Very helpful and well spoken, explained everything in detail to me, would highly recommend

November 27, 2023
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Isabel is a superstar. Very helpful, kind, understanding, empathetic and has that calm soothing voice. If anyone’s freaking out about their debts, Isabel will put you at ease.

She must have read the book ” Never Split the difference ” It’s a good book for persuasion. haha!

“Hakuna Matata – it means no worries for the rest of your debts”

Why stress, when Australian Lending Centre can take care of your stress for you? You’re not alone.

Talk to one of their consultants today.

November 27, 2023
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Would recommend. Excellent customer service. Willing to help anyone !!

November 24, 2023
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This year was really hard for me financially as a temporary resident. Living paycheck to paycheck due to being stuck in the payday loan cycle. I saw no way out and was in a perpetual state of pain. Pat was extremely compassionate and understanding, although theres not that can be done in my visa status, Pat went above and beyond to find a solution. I really want to thank Pat for bringing back a smile on my face by shedding light on my situation. Give that man a raise!

November 23, 2023
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Pat was very help full very go at helping ne each step very easy to talk to he dose a great job

November 23, 2023
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First time ever hearing or dealing with Australian Lending Centre and I can say, they’re probably the best staff I’ve ever had the pleasure of speaking with, especially my consultant Pat. He wasn’t just friendly but patient, understanding and very honest and that helped me a lot. Not sugar coating anything but allowing me to be honest and he was also honest with his responses clarifying reasons why and also honest with the outcome that was available to me. I initially wanted to get a consolidation debt loan but wasn’t able to due to the criteria of the lenders that I wasn’t eligible for however he offered me another solution that might be available to me, and this really made me happy. That there isn’t just one solution and that I wasn’t going to be turned away just like I had been by various lenders. I am very happy with Pat’s customer service, he was genuine and didn’t judge me with my credit history or circumstances which people in the financial industry do do sometimes but he didn’t. That means a lot.

November 22, 2023
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It was very easy and I felt relieved that I was able to talk to Margarita who understood exactly what I was g gong through. I was very happy and had exceptional service.

November 22, 2023
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Very informative and supportive, very easy and polite to talk to 🙂

November 20, 2023
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I was able to talk and share my struggles without being judged, very understanding and sympathetic towards my situation and wanted nothing more than to help me through this and see me succeed. Would highly recommend them to anyone.

November 18, 2023
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It was great to receive support and understanding from Pat. He helped me work through my situation and provided me with an option that I believe is going to really help me and my family. He has excellent in listening to my needs and responding positively to my requests. Thank you so much Pat for your professional guidance and support today.

November 17, 2023
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Quick call back and very informative with my options and crunched the numbers to give me an overview of my situation and next best step forward. Above all gave me a chance to explain my situation whilst not being judgemental made me feel comfortable that I’m making the right decision.

November 16, 2023
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Was very helpful, and helped me get everything sorted and was a very nice person to deal with.

November 16, 2023
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Pat helped me so much and I can’t believe how much this is helped me! Thank you so much

November 16, 2023
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Friendly, understanding and informative

November 14, 2023
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Excellent helpful and friendly person (PAT). He explained everything really well so you could understand exactly what happens and how it all works. Great 😃👍.
November 6, 2023
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Friendly, and took the time to help answer all the questions I had. Very patient and understanding.
November 1, 2023
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Pat was very help and very explanatory of the reasons why a certain product would be helpful for my future

November 1, 2023
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The mannerism and the way you are treated was excellent couldn’t ask for more then that I had a few options which was great I recommend Australian lending service to Everyone

October 31, 2023
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Definitely a people’s person. If i had to describe the experience, imagine going to your local doctor, with positive energy, knowing everything is goign to be okay. Furthermore, he is a great listener, but he adds layers of compassion with active listening, rather than, “just doin my job”.

October 30, 2023
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She was so understanding and amazing

October 24, 2023
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Chloe was very kind and understanding!
Made me feel very comfortable even though I feel very uncomfortable talking about my financial situation

Frequently Asked Questions About Commercial Property Loans

Commercial property loans is generally finance used to purchase retail stores, office buildings, factories or warehouses. Finance can also be to finance the building and development of commercial/industrial properties to sell, or lease. 

Commercial property loans is generally finance used to purchase retail stores, office buildings, factories or warehouses. Finance can also be to finance the building and development of commercial/industrial properties to sell, or lease.

Full-doc loan

A full doc loan required a comprehensive assessment of the applicants and/or guarantors.

You will need to provide complete information such as:

  1. Income and liability statements
  2. Full financials
  3. Tax returns
  4. Credit card statements.

There is more work required upfront with this type of product, but as a result the interest rate is more competitive, as there is less perceived risk.

Low-doc loan

Low-doc commercial property loans mean you don’t have to provide financial statements or tax returns.

This application needs a declaration of income from the applicant and/or their accountant of their income, and a statement that they can meet the repayments.

This type of commercial financing means that businesses with low profit margins have more options and flexibility still allowing them financing. This type of financing is offered through private lenders and non-bank institutions.

It is important to bear in mind that low-doc loan may incur high interest as the risk to the lender is deemed greater, but on the plus side,  application and approval is quicker and simpler.

No-doc loan

When an applicant has no documentation or accountant declaration, a loan is considered no-doc. This financing option is where there is an extremely strong exit strategy. These loans have a much faster turnaround time, with a higher interest rate.

You will find that goods and services tax (GST) applies when purchasing commercial or industrial properties, so you’ll need to allow an extra 10% on the property’s purchase price. GST can be claimed back as an input tax credit against GST charged on the property rent.

Long term leases

Commercial property leases are longer than residential property – and tend to be for several years instead of the standard residential leases of 6 – 12 months, offering longer security of rental income although vacancy times can be much greater.

In commercial property the lessee pays for maintenance

In the case of a residential property, the cost of maintenance, rates and repairs is paid by the landlord, however in the case of a commercial property these are paid by the lessee. The rent received goes towards profit. It is important however to ensure the commercial lease specifies responsibilities for ongoing costs.