Commercial finance for professionals and business owners

Who this suits

Medical professionals buying consulting rooms or a practice. Accountants and lawyers buying into a partnership or acquiring a firm. Architects and engineers buying studio or office premises. Business owners who want to own their premises instead of leasing them.

How the process works

Commercial lending starts with the story: what the business does, how it earns, and what the funds achieve. We prepare that story with your financials, contracts and plans, then approach lenders whose appetite fits the deal.

Assessment covers both the borrower and the asset. For owner occupied premises, the business's ability to service the debt is central. For investment commercial property, the lease and the tenant quality matter as much as your position. We manage valuation, approval and settlement, and we keep the structure aligned with your home and investment lending.

What lenders look for

Two years of business financials in most cases, a clear explanation of income, and evidence the debt can be serviced. Deposits are larger than residential lending, commonly 20 to 40 percent depending on the asset and the lender. Terms are shorter and pricing is risk based.

The lender panel for commercial deals is different from home lending, and policy appetite shifts with the market. Matching the deal to the right lender at the right time is the core of the work.

What you will typically need

• Two years of business tax returns and financial statements
• Interim financials or management accounts for the current year
• Details of the property or business being purchased
• A contract of sale or heads of agreement where available
• Your personal tax returns and income evidence
• A summary of the plan for the funds

Common questions

Can I buy my own consulting rooms or office?

Yes. Owner occupied commercial purchases are common for medical, legal and accounting professionals. The business services the debt, and deposits are commonly 20 to 30 percent depending on the lender and the asset.

Can you finance a practice or firm purchase?

Yes. Practice and firm acquisitions are assessed on the target's financials, your experience and the transition plan. Lender appetite for professional practices is generally strong when the numbers support it.

What deposit do I need for commercial property?

Commonly 20 to 40 percent. Specialised assets and shorter leases push the deposit higher, while standard offices with strong tenants can sit at the lower end.

How long does commercial approval take?

Longer than residential. Allow several weeks for credit assessment and valuation, and more for complex structures. Starting early keeps settlement pressure off.

Do commercial loans affect my home borrowing?

They can, because the commitments are assessed together. We structure commercial facilities with your home and investment plans in mind so one does not quietly limit the other.