Commercial Property Loans
Finance that means business – tailored for investors, owners, and developers. Get the right structure, fast approvals, and a broker who understands commercial property from the inside out.
Finance Backed by Real Commercial Experience
Unlike brokers who’ve only worked from behind a desk, we’ve been on both sides of the deal.
James, founder of XploreFS, has held a senior role in a property development firm – which means he understands commercial property from the ground up. Whether you’re buying a warehouse, retail space, strata office, or mixed-use asset, we know how to structure finance that suits your goals and gets approved without unnecessary runarounds.
With access to 45+ lenders, including non-bank and private options, we’ll guide you to a lender who matches your risk appetite, income structure, and timeline.
Lending Built for Growth – Not Just Approval
Commercial property loans require more than just ticking boxes – they require smart planning. At XploreFS, we guide clients through the complexities of commercial property finance with a long-term lens. We help you evaluate how your borrowing power, equity, and future expansion goals intersect – and then build the right structure around them.
Whether you’re purchasing as a business owner or as an investor, we’ll guide you through all the key factors – including cash flow projections, future rental income, holding costs, and property-specific considerations like zoning, GST treatment, and security structure. We don’t just submit applications – we help you make informed, strategic decisions.
Smarter Loan Structuring for Better Results
Commercial lenders don’t just assess your income – they assess the entire deal. That means your success depends on how well your loan is structured, presented, and supported with documentation. At XploreFS, we specialise in designing deals that lenders want to approve.
We package your loan in a way that highlights strengths and mitigates potential red flags. We ensure your application meets the unique requirements of commercial property lending – from strong servicing evidence and lease documentation to clear ownership structures and exit strategies. And because we have direct access to bank BDMs (Business Development Managers), we can often negotiate stronger terms or get policy exceptions other brokers miss.
National Reach, Personalised Service
While XploreFS is based in Brisbane, we work with commercial property buyers all over Australia. Whether you’re securing a strata office in Melbourne, a retail tenancy in Sydney, or a warehouse in regional Queensland, we know how to help you navigate the process from end to end – all without stepping foot into a bank branch.
Our process is fast, responsive, and transparent. We keep you informed every step of the way – from initial assessment to valuation, loan submission, approval, and settlement. Even after your deal settles, we’ll remain on hand to help with refinancing, restructuring, or scaling your commercial portfolio.
Frequently Asked Questions About Commercial Property Loans
What types of commercial properties can I finance?
We help clients secure loans for offices, warehouses, retail shops, industrial sites, mixed-use buildings, and more. Whether you’re buying for investment or owner-occupation, we’ll find the right lender and structure to suit.
Can I use an SMSF, trust, or company to buy commercial property?
Absolutely. Many of our clients use these structures for tax and asset protection benefits. We’ll walk you through the pros, cons, and lending implications of each — and make sure your application aligns with the lender’s requirements.
What’s the difference between a commercial property loan and a residential loan?
Commercial loans are assessed differently – lenders focus more on the property’s income potential, lease terms, and business risk. The loan terms, interest rates, and deposit requirements can also vary. We’ll help you navigate it all.
Is it possible to refinance a commercial property loan?
Yes – and it’s often a smart way to reduce repayments or access equity. We’ll review your current deal and let you know if there’s a better option available on the market