Commercial Loans from 3.49% for retail, office and industrial freehold for investors and owner occupiers. Development finance for retail and industrial units.
Refinance of commercial property loans for better interest rates and expired loan terms .
High LVR up to 80%, True Low Doc from 4.79%, credit impaired solutions, lease doc for investors and short term finance.
Solutions for small, medium and large scale business operations. We work with the major banks, non bank lenders and private finance investors.
Most major franchises funded. Business with strong financials and longevity in the market place
Working capital and receivable finance also available. Specialty businesses will also be considered on a case by case basis.
Car loans and lease available. Includes light and heavy commercial vehicle. Commercial hire purchase, novated lease and chattel mortgage options available.
Leasing for medical and dental equipment, farm/agricultural, computers and office equipment.
Low doc options available for those entities with a strong asset base for car loans, commercial vehicles and equipment leasing.
Online commercial loan calculators that can calculate interest only or principle and interest repayments. Total fees and loan costs are included in the calculation as well as the annualised interest rate. Calculate the total cost of your loan with this calculator as well.
We have a network of commercial loan brokers Australia wide to service your commercial finance needs. An experienced broker can work with you in your local area to find the right lending source and solutions for your commercial finance needs.
We have 100s of lenders and brokers Australia wide that assist you with your commercial loan enquiries. They can assess your circumstances, offer realistic solutions, compare loan options and help negotiate better deals for your commercial finance needs.
| Lender | Loan Type | Security Type | Interest Rate | Max LVR | |
|---|---|---|---|---|---|
| Commercial Reference Rate | Variable Interest Rate from | Commercial Security | 3.40% to 5.47% plus risk margin | Up to 75% | Enquire |
| Bank | Variable | Residential Security | 4.19% | 80% | Enquire |
| Bank | Fixed Rates From | Residential Security | 4.14% | 80% | Enquire |
| Bank | Variable Rates From | Commercial Security | 3.49% - 5.74% | Up to 80% | Enquire |
| Bank | Lease Doc Variable | Commercial Security | 4.39% - 5.99% | 60% to 80% | Enquire |
| Bank | Commercial Equity Loan From | Commercial Security | 4.69% to 6.25% | 60% to 80% | Enquire |
| Bank | 1 Year Fixed Rate From | Commercial Security | 3.85% - 6.01% | Up to 80% | Enquire |
| Bank | 2 Year Fixed Rate From | Commercial Security | 3.68% - 5.83% | Up to 80% | Enquire |
| Bank | 3 Year Fixed Rate From | Commercial Security | 3.48% - 5.74% | Up to 80% | Enquire |
| Bank | 4 Year Fixed Rate From | Commercial Security | 3.65% - 5.14% | Up to 80% | Enquire |
| Bank | 5 Year Fixed Rate From | Commercial Security | 3.74% - 5.24% | Up to 80% | Enquire |
| Various Lenders | Development Rate From | Commercial Security | from 3.70% | Up to 75% | Enquire |
| Non Bank | SMSF Self Managed Super Fund | Commercial Security | from 4.95% | Up to 70% | Enquire |
| Lender | Loan Type | Security Type | Interest Rate | Max LVR | |
|---|---|---|---|---|---|
| Bank | Low Doc Variable From | Residential Security | 4.79% to 6.25% | Up to 80% | Enquire |
| Bank | Low Doc Fixed Rate From | Residential Security | From 4.79% | 60% to 80% | Enquire |
| Bank | Lease Doc Variable | Commercial Security | 4.79% to 6.25% | Up to to 80% | Enquire |
| Non Bank | No Doc | Commercial Security | 8.25% | Up to to 65% | Enquire |
| Bank | 1 Year Fixed Rate From | Commercial Security | From 4.79% | 60% to 80% | Enquire |
| Bank | 2 Year Fixed Rate From | Commercial Security | From 5.19% | 60% to 80% | Enquire |
| Bank | 3 Year Fixed Rate From | Commercial Security | From 5.04% | 60% to 80% | Enquire |
| Bank | 5 Year Fixed Rate From | Commercial Security | From 5.54% | 60% to 80% | Enquire |
Due to the complexity and many variables associated with business loans we are unable to publish business loan interest rates.
Please complete the online Business Loan Quotes page accurately as possible so we can assign a business lending specilaist to discuss your business finance.
Please complete the online Lease Quotes form so we can assign one of our leasing specialists to discuss your finance needs.
Please Note: that the above interest rates are only examples. Interest rates are subject to change and vary according to security type, property type, borrow amount against the properties value, loan amount, location, use and purpose. Please complete an online form so we can assess your commercial lending needs
Commercial Loan Lenders
Here are just some of the lenders we use including non banks and private financiers.
About Smart Search Commercial Loans
Smart Search Finance commercial lenders and brokers offer realistic solutions from hundreds of retail banking products to all Australians. All mortgage brokers at Smart Search Finance are Accredited Mortgage Consultants of the (MFAA) and of the Credit Ombudsman Service Limited (COSL) for home loans, investment and commercial loans. Servicing major capital and regional centers' in Sydney, Melbourne, Brisbane, Adelaide, Perth, Hobart, Canberra and Darwin. We can also service regional areas in Victoria (Vic), New South Wales (NSW), Queensland (Qld), South Australia (SA), Western Australia (WA) and Tasmania (Tas).
Comparison rates are based on a $250,000 loan for 25 years. This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.
