Commercial Property Finance for Australian Businesses & Investors
Secure funding for owner-occupied premises, commercial investments, office suites, warehouses, retail property, industrial sites and development-ready opportunities.
• Access 60+ bank and non-bank lenders
• Funding for owner-occupied and investment property
• Commercial, industrial, retail and mixed-use scenarios
• Expert structuring support from enquiry to settlement
No obligation. Strategic guidance upfront. Finance structured to suit your property and business goals.
What Is Commercial Property Finance?
Commercial property finance is used to purchase, refinance or release equity from non-residential assets such as offices, warehouses, retail premises and industrial property.
Unlike residential lending, commercial loans are assessed on the strength of the asset, income profile and overall deal structure — not just personal income.
Purchase or refinance commercial property
Access equity for business growth or investment
Fund owner-occupied or tenanted assets
Structured around income, lease profile and asset quality
What Can Commercial Property Finance Be Used For?
From acquiring your own premises to unlocking equity for growth, commercial property finance can be structured around your business or investment strategy.
Purchase Commercial Property
Acquire owner-occupied or investment property and build long-term equit
Equity Release
Unlock capital from existing property to fund growth, acquisitions or working capital.
Refinance Existing Loan
Improve rates, restructure debt or optimise your current lending facility.
Debt Consolidation
Combine multiple facilities into a single, more efficient and manageable structure.
How Commercial Property Loans Are Assessed
Commercial lending focuses on the quality of the asset and income it generates.
Loan-to-value ratio (typically 60–75%)
Rental income or business income
Borrower financial position and experience
Tenant strength and lease terms
Property type and location
Loan purpose and deal structure
Every deal is structured differently depending on the asset, borrower and lender requirements.
Why Choose DeMarque Finance?
We structure deals, not just submit applications
We position your scenario correctly before it reaches credit.
Access to major banks and specialist lenders
We match your deal to the right lender for your asset and profile.
Commercial property expertise
We understand how lenders assess LVR, lease profile and asset quality.
Flexible lending structures
Interest-only, lease-doc, low-doc and complex deal structuring available.
Fast, responsive turnaround
Indicative outcomes often within 24–48 hours.
Broker-led process
Direct access to an experienced broker from enquiry through to settlement.
Common Commercial Property Finance Scenarios
From owner-occupied acquisitions to complex investment structures, these are the scenarios we most frequently structure and secure funding for.
Business purchases its own premises to eliminate rent
Equity release to fund expansion or acquisitions
Investor acquires tenanted commercial property for yield
SMSF purchasing commercial property
Refinance to reduce rates or improve loan structure
Multi-property or layered lending structures
Commercial Property Lending Across Key Asset Types
Whether you’re acquiring your own premises or investing in a tenanted asset, we structure commercial property loans aligned to your strategy, income profile and long-term objectives.
Owner-Occupied Property
Secure a commercial property for your business to operate from while building long-term equity and stability.
Investment Property (Tenanted)
Acquire income-generating commercial assets with established tenants and consistent rental returns.
Industrial & Warehouse Assets
Fund warehouses, factories and logistics facilities tailored to your operational or investment requirements.
Retail, Office & Mixed-Use
Finance retail shops, office spaces and mixed-use developments across metropolitan and regional locations.
How to Secure Commercial Property Finance with DeMarque Finance
We simplify the commercial property lending process — from initial assessment through to approval and settlement.
Complete Your Pre-Assessment
Submit a quick eligibility check online to receive an indicative view of your borrowing capacity, structure and lending options.
Step 2: We Structure & Match Your Deal
We assess your scenario and position it with lenders aligned to your property type, LVR, income profile and tenant strength.
Step 3: Approval, Documentation & Settlement
Once approved, we guide you through documentation, valuation and settlement so funds are released efficiently.
No obligation. No credit checks. Structured guidance before you apply.
Check Your Commercial Property Eligibility in Minutes
Get a fast, no-obligation indication of what your commercial property scenario may qualify for across our lender panel.
Frequently Asked Questions
Get clear answers to common questions about commercial property finance, funding options and how the process works.
What is commercial property finance?
Commercial property finance is used to purchase, refinance or release equity from non-residential real estate such as offices, warehouses, retail premises and industrial assets. These loans are structured based on the asset, income and overall deal profile.
How much can I borrow for commercial property?
Most lenders will offer between 60% and 75% loan-to-value ratio (LVR), depending on the asset quality, income profile, tenant strength and borrower position.
What types of commercial property can be financed?
Funding is available for a wide range of asset types including offices, warehouses, factories, retail shops, mixed-use developments and specialised commercial properties.
Can I get finance for an owner-occupied commercial property?
Yes. Many lenders support owner-occupied purchases where the business operates from the property, often with more flexible structuring depending on the strength of the business.
Can I finance an investment (tenanted) commercial property?
Yes. Investment properties with established tenants and strong lease agreements are commonly funded, with lenders placing significant weight on rental income and lease terms.
Do I need a deposit for commercial property finance?
Yes. Most lenders require a deposit of 25–40%, although higher leverage may be possible depending on the strength of the deal and security provided.
How do lenders assess commercial property loans?
Lenders assess commercial property loans based on the asset quality, rental or business income, tenant strength, lease terms, LVR and the borrower’s financial position and experience.
Can I get low-doc commercial property finance?
Yes. Some lenders offer low-doc or alternative documentation options, particularly where the asset and overall deal are strong, although terms and LVR may vary.
Can I refinance or release equity from a commercial property?
Yes. Refinancing can be used to improve rates or restructure your loan, while equity release allows you to access capital for business growth, acquisitions or further investment.
How long does approval take?
Indicative outcomes can often be provided within 24–48 hours. Full approval timeframes depend on the lender, property type and complexity of the deal.
Does this affect my credit score?
No. Our initial eligibility assessment is indicative only and does not involve a credit check.
How do I get started?
Start with a quick, no-obligation pre-assessment to understand your borrowing capacity and options before proceeding with a full application.