Commercial and business finance support
Compare commercial property, business, low-doc, development, bridging and equipment finance through a broad panel of Australian lenders. Obtain Finance provides commercial finance assessments for businesses, investors, developers and self-employed borrowers.
What commercial finance can we help with?
Obtain Finance works with businesses, investors, developers and self-employed borrowers across Australia seeking commercial lending. We assess each scenario individually and approach lenders suited to your specific circumstances — whether that is a major bank, a non-bank lender or a private credit provider.
Commercial lending is assessed differently to residential borrowing. Lenders evaluate the business, the security property, the borrower's capacity, and the loan structure. We help you prepare a strong application and identify appropriate lenders for your scenario.
- Owner-occupied and investment commercial property
- Self-employed and low-documentation lending
- Development and construction finance
- Equipment, plant and machinery finance
- Business acquisition and working capital
- Bridging and short-term facilities
- Private and non-bank credit solutions
Discuss My Scenario
Commercial lending involves more variables than residential. An initial conversation helps us understand your structure and identify the most appropriate lenders to approach.
Commercial Finance Services
Select a finance type to learn about suitability, documentation, how lenders assess applications, and indicative loan structures.
Commercial Property Loans
Finance for the purchase of office, retail, industrial or mixed-use properties.
Learn moreCommercial Refinance
Restructure existing commercial debt to improve cash flow or access equity.
Learn moreLow-Doc Commercial Loans
Alternative-documentation lending for self-employed and non-standard borrowers.
Learn moreBridging Finance
Short-term funding to bridge a gap between purchase, refinance, or sale.
Learn moreDevelopment Finance
Construction and land-acquisition finance for residential and commercial projects.
Learn moreSelf-Employed & Low-Doc Loans
Alternative-documentation lending for self-employed and non-standard income borrowers who cannot provide standard financials.
Learn moreBusiness Purchase Finance
Finance to acquire a business, goodwill, franchise, or going concern.
Learn moreEquipment Finance
Chattel mortgage, hire purchase and lease structures for business equipment.
Learn morePrivate Lenders
Non-bank and private credit solutions for scenarios outside standard policy.
Learn moreGet Your Commercial Finance Assessment
Tell us about your scenario. We will review it and contact you to discuss the most appropriate options.
Frequently Asked Questions
What documents do lenders typically require for commercial finance?
Requirements vary by finance type and lender. For full-doc commercial loans, lenders commonly request two years of business financial statements (profit and loss, balance sheets and tax returns), BAS statements, business bank statements, identification documents, and details of existing liabilities. Property security details such as a recent valuation or contract of sale are also usually required. Low-doc products use alternative income verification such as an accountant's declaration or business activity statements in place of full financials.
How do commercial lenders assess an application?
Commercial lenders consider the serviceability of the loan (whether the business or rental income can service the debt), the quality of the security property, the borrower's credit history, the loan-to-value ratio (LVR), and the overall business risk profile. Some lenders place greater weight on the security property while others focus more heavily on demonstrated income and business trading history.
What LVRs are typically available for commercial property?
LVR limits depend on the property type, location, lender policy and borrower profile. As a general guide, major banks may lend up to 70–80% for standard commercial properties from strong borrowers. Non-bank lenders and private lenders may offer different terms for specialised security or lower credit profiles. These are indicative ranges only — actual limits depend on full lender assessment of each application.
Do I need to be trading for a certain period before applying?
Many mainstream lenders require two or more years of trading history for full-doc commercial loans. Some non-bank lenders and low-doc products are available for businesses with shorter trading histories, though pricing and terms will reflect the additional risk. Start-up lending is generally limited and assessed case by case.
Can self-employed borrowers access commercial finance?
Yes. Self-employed borrowers can access both full-doc and low-doc commercial products. Full-doc applications require at least two years of business tax returns. Low-doc options use alternative verification methods and are designed for borrowers who cannot provide standard documentation — these typically carry different pricing and conditions.
What is the difference between a commercial property loan and a business loan?
A commercial property loan is secured against real property (office, retail, industrial or similar). A business loan may be unsecured or secured against general business assets or a personal guarantee. The two products have different assessment criteria, pricing and terms. We can help you identify which structure is appropriate for your objective.
General information only — not personal financial or credit advice. All commercial finance is subject to lender assessment and approval. Indicative LVRs and figures are illustrative only and do not constitute an offer of finance.
Michael Short, Credit Representative 468493 under Australian Credit Licence 389328. © 2026 Obtain Finance.