Check Your Commercial Property Finance Eligibility
Get a tailored indication of how your commercial property scenario may be assessed across bank and non-bank lenders.
• Owner-occupied & investment property scenarios
• Offices, warehouses, retail & mixed-use assets
• Bank and non-bank commercial lending options
• Structured guidance before full application
2-minute review. No obligation. No credit check.
Commercial Property Pre-Assessment
Check Your Commercial Property Eligibility
Answer a few quick questions to see how your commercial property finance scenario may align with lender policy.
What do you need funding for?
Will the property be owner-occupied or investment?
What type of property is it?
What is the estimated property value?
How much deposit or usable equity do you have?
What best describes your financial position?
Your Commercial Property Profile
Potential Match
Likely lending pathway
Indicative funding position
Commercial Property Finance Calculator Australia
Use our calculators to model repayments across different business funding options.
Commercial Property Finance Calculator
Estimate Indicative Commercial Property Repayments
Use the calculator below to estimate indicative repayments based on property value, LVR, loan term, repayment frequency and interest rate.
Your Estimated Results
Commercial Property Loan Calculator
Model repayments, borrowing capacity and indicative commercial property loan structures across bank and specialist lenders.
Common commercial property scenarios we structure:
Owner-Occupied Commercial Property
Office, Retail & Mixed-Use Assets
Investment Property (Tenanted or Leaseback)
Industrial & Warehouse Facilities
Use the calculator above to model your scenario, including loan-to-value ratio (LVR), repayment structure and interest costs across different lender types and funding structures.
Typical commercial lending ranges from 60–75% LVR, with higher leverage possible depending on asset quality, tenant strength and financials.
Trusted by Australian Businesses
Including commercial property transactions across industrial, retail, office and mixed-use assets.
From straightforward owner-occupied purchases to complex investment and multi-tenant structures.
Why Businesses Choose DeMarque for Commercial Property Lending
We structure bank-ready deals, not just submit applications
Every commercial property scenario is different. We position your deal correctly before it reaches credit, improving approval outcomes.
Access to major banks and specialist commercial lenders
We compare a wide panel of lenders to match your property type, lease profile and financial position.
Owner-occupied and investment property expertise
From business premises to tenanted investments, we structure lending aligned to your long-term strategy.
Flexible loan structures tailored to your scenario
Including interest-only periods, lease-doc options, and solutions for complex or non-standard deals.
We understand how lenders assess commercial property deals
We align your application with lender policy around LVR, tenant strength, income and asset quality.
Support for complex scenarios
Including SMSF lending, low-doc and alt-doc solutions, and multi-property or layered structures.
We position your application strategically before submission — not after it’s declined by a lender.
Commercial Property Lending Across Key Australian Industries
We structure commercial property loans for business owners, investors and operators across a wide range of industries — from owner-occupied premises to tenanted investment assets.
Construction & Trades
Workshops, depots, yards and owner-occupied industrial assets
Transport & Logistics
Warehouses, distribution centres and heavy vehicle facilities
Medical & Dental
Medical suites, clinics, specialist centres and consulting rooms
Agriculture
Farms, storage facilities, processing sites and mixed-use land
Professional Services
Office buildings, strata suites and commercial office spaces
Manufacturing & Industrial
Factories, production facilities and industrial freehold assets
Retail & Wholesale
Retail shops, showrooms and mixed-use commercial properties
Hospitality & Tourism
Restaurants, cafés, accommodation and tourism-based assets
Common Commercial Property Finance Scenarios
From owner-occupied purchases to investment acquisitions and equity releases — here are some of the most common commercial property funding scenarios we structure for our clients.
Business Purchases Owner-Occupied Premises
A construction company purchases its own warehouse to eliminate rent and build long-term equity.
Transport Operator Secures Industrial Facility
A logistics business acquires a larger depot to support fleet expansion and operational growth.
Medical Practice Buys Its Own Clinic
A healthcare provider purchases their premises to stabilise long-term occupancy costs and invest in their location.
Investor Acquires Tenanted Retail Asset
An investor purchases a retail property with an established tenant, generating immediate rental income.
Manufacturer Expands Into Larger Facility
A growing manufacturing business upgrades to a larger industrial property to increase production capacity.
SMSF Purchases Commercial Property
A business owner uses their SMSF to acquire a commercial property and lease it back to their operating business.
Refinance to Improve Loan Structure
A borrower refinances an existing commercial loan to secure better rates, terms or cash flow.
Equity Release for Business Growth
A business unlocks equity in an existing commercial property to fund expansion, acquisitions or working capital.
Complex Multi-Property Structure
A client consolidates multiple properties and facilities into a more efficient and scalable lending structure.
Get a tailored funding structure aligned to your property, income and long-term strategy.
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.
Get Your Commercial Property Funding Strategy
We assess your scenario and structure the right commercial property loan across banks and specialist lenders — aligned to your asset, income and long-term strategy.
✔ No obligation or credit impact
✔ Indicative outcomes within 24–48 hours
✔ Access 60+ bank and specialist commercial lenders
Commercial Property Finance FAQs
Answers to common questions about commercial property lending, borrowing capacity, deposits, loan structures and the pre-assessment process.
Does this affect my credit score?
Our commercial property eligibility check is purely indicative and does not involve any credit enquiries. You can explore your options without impacting your credit file.
How much can I borrow for a commercial property?
Borrowing capacity depends on several factors including your income, business financials, the property type and the strength of any tenants.
Most commercial property loans are assessed based on:
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Loan-to-value ratio (LVR)
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Rental income or business income
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Property location and asset type
As a general guide, lenders typically offer 60%–75% LVR, with higher leverage possible in strong scenarios.
What deposit do I need for a commercial property?
Most lenders require a deposit of 25%–40% of the property value, plus costs such as stamp duty and fees.
Lower deposits may be possible where:
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The deal is supported by strong financials
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Additional security is provided
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The asset and tenant profile are high quality
Can I get a commercial property loan with low-doc or alt-doc?
Yes — many lenders offer low-doc and alt-doc commercial property loans.
These are commonly used by:
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Self-employed borrowers
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Business owners without full financials
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Clients with complex income structures
Assessment may be based on BAS, bank statements or accountant declarations instead of full tax returns.
What types of assets can be financed?
Vehicles, trucks, earthmoving equipment, medical equipment, IT infrastructure, manufacturing machinery and more.
Can I buy commercial property through my SMSF?
Yes — commercial property can be purchased through a Self-Managed Super Fund (SMSF) using a limited recourse borrowing arrangement (LRBA).
Common scenarios include:
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Buying business premises inside your super
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Leasing the property back to your business
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Building long-term wealth within your SMSF
SMSF lending has specific rules and structures, which we guide you through.
What interest rates apply to commercial property loans?
Interest rates vary depending on:
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Loan size and LVR
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Property type
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Tenant strength
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Borrower profile
Rates are typically higher than residential lending and may be structured as:
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Variable or fixed rates
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Principal & interest or interest-only
We compare multiple lenders to secure competitive terms for your scenario.
How long does commercial property finance take to get approved?
Indicative approvals can often be provided within 24–48 hours.
Full approval and settlement typically take:
2 to 6 weeks, depending on:
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Valuation turnaround times
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Documentation complexity
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Lender requirements
Can I refinance an existing commercial property loan?
Yes — refinancing is common and can be used to:
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Reduce your interest rate
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Improve loan structure
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Release equity
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Consolidate multiple facilities
We assess your current loan and restructure it to better align with your strategy.
Can I use equity in another property as a deposit?
Yes — equity from existing residential or commercial property can often be used in place of a cash deposit.
This allows you to:
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Acquire property with minimal cash contribution
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Leverage your existing assets
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Accelerate portfolio growth
What types of commercial properties can be financed?
We arrange finance for a wide range of commercial assets, including:
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Offices and strata suites
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Warehouses and industrial properties
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Retail shops and showrooms
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Medical and specialist facilities
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Mixed-use developments
Each property type is assessed differently by lenders.