Commercial Loan
Commercial Loan
Tailored finance solutions for business
At Aussie Gateway Mortgages, we understand that commercial finance requires strategic thinking, deep product knowledge, and a lender who understands the bigger picture. Whether you are purchasing a commercial property, expanding your business, or investing in development or equipment, we structure your loan to support growth and long-term outcomes.
We work with a wide network of lenders — including major banks, second-tier institutions, and specialist commercial financiers — to offer you competitive, flexible, and purpose-built lending solutions.
What We Finance
Every business and investment has a different structure, strategy, and timeline. We provide loan options that suit your goals, not just standard criteria. We arrange commercial loans for a wide range of needs, including
- Purchase of commercial property (owner-occupied or investment)
- Warehouse, retail, office, or mixed-use property finance
- Business acquisition or expansion
- Commercial construction and development projects
- Working capital or cash flow management
- Equipment or asset purchase
- Refinance or restructuring of existing commercial debt
- SMSF borrowing for commercial property
Our Commercial Loan Process
Step 1
Clarify Your Purpose and Structure
We start with a detailed consultation to understand your business, investment goals, and the structure of your borrowing entity. Whether you are borrowing as an individual, trust, company, or SMSF, we tailor our recommendations accordingly.
Step 2
Assess Borrowing Capacity and Risk
We review your income, existing commitments, financials, and business performance to determine your borrowing power and assess your risk level with different lenders.
Step 3
Compare and Recommend Solutions
We present a range of lending options and explain the key differences — including rate, loan terms, fees, serviceability requirements, and lender flexibility.
Step 4
Manage Application and Approval
We prepare a strong application, collate supporting documents, and manage lender negotiations to ensure a smooth and timely approval. For time-sensitive projects, we prioritise lenders with fast turnaround times.
How is commercial lending different from residential lending
Commercial loans typically involve more complex assessment criteria, shorter loan terms, and higher interest rates. Lenders also focus on the income generated by the asset or business and may require more documentation.
What deposit do I need for a commercial property
Most lenders require at least 20 to 30 percent of the property's value as a deposit. This may vary based on the asset type, your financials, and the intended use of the property.
Can I borrow through my SMSF or company
Yes, we assist clients borrowing through companies, trusts, or SMSFs. The lending structure must be compliant with all relevant laws and regulations. We work closely with your advisers to ensure this is managed correctly.
Types of Commercial Loans We Arrange
Full doc, low doc, and lease doc loans. Fixed or variable interest rates. Interest-only or principal and interest repayments. Secured and unsecured facilities. Business lines of credit. Development and construction loans. Trust, company, or SMSF borrowing structures. We work closely with your accountant or adviser to ensure the finance is set up correctly from the outset, minimising tax risks and ensuring long-term flexibility.