Commercial Property & Business Loans
Finance solutions for business owners and commercial property investors.
Commercial lending is more complex than residential finance — loan-to-value ratios, interest rates, and approval criteria differ significantly between lenders and asset types. Square 1 Property Group works with a panel of commercial lenders to find the right solution for your business purchase, commercial investment, or development project.
Commercial Property Purchase
Finance for offices, retail, industrial, and mixed-use properties — for owner-occupiers and investors.
Business Premises Purchase
Buy your own business premises through a standard commercial loan or via your SMSF.
Development Finance
Construction and development loans for residential and commercial projects, including pre-sales requirements.
Business Loans
Unsecured and secured business loans for working capital, expansion, or acquisition.
Refinance & Restructure
Refinance existing commercial debt to improve your rate, terms, or loan structure.
Low-Doc Options
Self-employed and business owners with non-standard income can access low-doc commercial products.
Our Simple Process
Business & Asset Review
We review your financials, the property or asset, and your borrowing objectives.
Lender Matching
We identify lenders with appetite for your specific asset type and business profile.
Application Preparation
We prepare a comprehensive credit submission to maximise approval prospects.
Settlement
We manage the process through to settlement and ongoing loan management.
Why Commercial Finance Needs a Specialist
Common Questions
What LVR can I borrow at for commercial property?
Most lenders offer 65–70% LVR for commercial property, compared to 80–90% for residential. We identify lenders who may go higher for strong applications.
Can I buy commercial property through my SMSF?
Yes. Business owners can purchase their own commercial premises through an SMSF — this is one of the most tax-effective strategies available. We arrange the LRBA structure.
What documents do I need for a commercial loan?
Typically 2 years of business financials, tax returns, a property contract, and details of the business or tenancy. We guide you through the full documentation requirements.
Ready to Get Started?
Book a free, no-obligation consultation with our team today.