Commercial Property Loans
Buying, refinancing or expanding a commercial property? We bring the strategy and connect you with a trusted commercial finance partner to get it done.
Commercial property finance, with the right partner beside you
Commercial property can be one of the most powerful ways for business owners and investors to build long-term wealth. It also carries more moving parts than a home loan. Lease terms, tenant quality, property type and ownership structure all shape what a lender will fund and on what terms.
Commercial lending sits outside our in-house residential focus, so we deliver it the smart way. We provide the strategic oversight, then connect you with a trusted commercial finance partner who specialises in this space. You get specialist execution and our strategic guidance, working together on the same plan.
How this works. Build & Protect does not provide commercial property loans directly. We assess your goals, then refer you to a trusted commercial finance specialist from our partner network and stay involved so the finance fits your wider strategy.
Finance across the full range of commercial property
From a single office suite to a multi-tenanted industrial holding, our commercial partners arrange purchase and refinance funding across most commercial asset classes.
Offices & consulting suites
Owner-occupied or leased office space, including strata and whole-floor premises.
Retail & hospitality
Shopfronts, retail strata, and mixed retail premises in established trade locations.
Industrial & warehouses
Factories, warehouses, logistics and storage facilities for owner-occupiers and investors.
Medical & specialised
Medical suites, childcare, and other specialised premises assessed case by case.
Mixed-use property
Combined residential and commercial premises, including shop-top housing.
Refinance & equity release
Restructure existing commercial debt, release equity, or fund the next acquisition.
Choose the right loan type for your situation
Every borrower’s financial position is different. That is why our partners work across a range of documentation pathways to make commercial finance accessible, whether you have full financials ready or verify your income another way.
Full Doc Loans
Traditional finance using complete financial documentation. Typically offers the most competitive rates and the broadest range of lenders and features.
Low Doc Loans
Designed for self-employed borrowers and business owners who verify income through alternative evidence such as BAS or business bank statements.
Lease Doc Loans
Suited to investors where the loan is assessed primarily on the rental income from a commercial lease, rather than your personal financials.
Not sure which pathway fits? We start with your goals, then connect you with the partner best suited to your circumstances and strategy.
Our step-by-step process
We stay your strategic point of contact from the first conversation, while a specialist partner handles the lending.
Understand your goals
We start by understanding your goals, your business position where relevant, and what you want the purchase or refinance to achieve.
Matched to the right partner
We connect you with a trusted commercial finance specialist from our network, suited to your deal and structure.
Application & approval
Your partner prepares and manages the application, valuations and lender requirements. We stay across it with you.
Settlement & ongoing support
Your partner guides settlement, and we remain your strategic adviser as your portfolio and circumstances evolve.
Commercial loan features that support your strategy
Commercial finance offers structuring levers that, used well, protect cash flow and create room to grow. Your partner structures the loan; we make sure it fits the bigger picture.
Flexible repayment options
Interest-only and principal-and-interest terms structured around your cash flow and holding strategy.
Tailored loan terms
Terms matched to the asset and your plan, with structuring set up to support future moves.
Equity release for growth
Use equity in existing property or your portfolio to fund the next acquisition or business investment.
Ownership structure guidance
We work alongside your accountant and solicitor so the loan sits correctly within company, trust or SMSF ownership.
Strategy first, then the right specialist
Plenty of brokers can hand you a commercial loan with a rate. Our focus is the strategy underneath it, and making sure the specialist arranging your finance is the right fit for your deal. You get our independent oversight plus proven commercial execution, working to the same plan.
- One senior adviser as your strategic point of contact throughout
- A vetted partner network covering the full commercial market
- Access beyond a single bank, across bank, non-bank and private lenders
- Structuring coordinated with your accountant and solicitor
- An ongoing review relationship, not a one-off transaction
Commercial property loan FAQs
A few of the questions we are asked most often. If yours is not here, get in touch and we will talk it through.
Does Build & Protect provide commercial loans directly?
No. Commercial property lending is delivered through our trusted commercial finance partners rather than in-house. We provide the strategic oversight, connect you with the right specialist for your deal, and stay involved so the finance aligns with your wider plan.
What types of property can be financed?
Our partners arrange finance for offices, retail premises, warehouses, factories, industrial units, medical suites and mixed-use property. Some specialised premises are considered on a case-by-case basis depending on the lender and the asset.
How much can I borrow against a commercial property?
Lending against commercial property is typically more conservative than residential. The amount available depends on the property type, location, lease profile and your income verification, and the maximum loan-to-value ratio varies between lenders. Your partner will give you a clear picture of what is realistic for your specific asset early on.
Do I need full financials to apply?
Not always. Alongside Full Doc loans, our partners offer Low Doc options for self-employed borrowers and Lease Doc options assessed mainly on rental income. We help match the documentation pathway to your situation.
Can I hold the property in a company, trust or SMSF?
Yes. Commercial property is often held through a company, trust or self-managed super fund. The right structure has tax, asset protection and estate planning consequences, so we coordinate with your accountant and solicitor and never provide tax or legal advice ourselves.
Is commercial lending regulated like a home loan?
Lending for business or investment purposes is generally not covered by the National Consumer Credit Protection Act in the way a home loan is. Your partner will explain how this affects your particular loan before you proceed.
Ready to structure your commercial finance properly?
Book the Strategic Diagnostic. We will pressure-test your position, map the options, and connect you with the right commercial finance partner for your next purchase or refinance.
Credit Representative 539491 of Australian Finance Group ACN 066 385 822, Australian Credit Licence 389087. AFCA member number #95093. MFAA member number 695667.
Commercial property loans are referred to and arranged by our trusted commercial finance partners, not provided by Build & Protect Financial Services directly. This page provides general information only and does not take into account your objectives, financial situation or needs. Lending for business or investment purposes may not be regulated by the National Consumer Credit Protection Act. Consider seeking independent tax and legal advice before acting. Lending criteria, terms and conditions apply and are subject to lender approval.