Secure the right commercial investment loan with a structure that protects cash flow, tax position, and long-term flexibility.
Buying commercial property is rarely “just a loan” — it’s a decision that affects your business liquidity, borrowing capacity, tax outcomes, and exit options for years. Commercial investment finance helps you fund warehouses, offices, retail, or industrial assets with the right lender and terms for your plan. We combine lending strategy with tax and structuring advice, so you’re not stuck with a facility that looks fine today but restricts you later.
IS THIS RIGHT FOR YOU?
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You’re looking to buy a warehouse, office, retail shop, or industrial property as an investment (not as your main premises).
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You’re unsure whether to buy in your personal name, a trust, a company, or an SMSF — and don’t want to “fix it later.”
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You want to maximise borrowing power without crushing cash flow with the wrong loan terms or short expiry.
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You’re comparing lenders and getting mixed messages on LVRs, lease assessment, or what valuation outcome you’ll get.
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You’re planning renovations, a lease-up, or a repositioning and need funding that matches the timeline.
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You’re refinancing an existing commercial loan and want better pricing, longer certainty, or access to equity.
HOW IT WORK
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Strategy Session (Goals + Risk Check)
We map the asset, lease profile, your broader portfolio, and what success looks like (yield, growth, hold period, exit plan). -
Structure & Tax Lens
We align ownership structure, deductibility, asset protection, and future flexibility — before we pick a lender. -
Lender & Product Match
We compare banks and non-banks based on lease strength, location, LVR appetite, servicing method, and timing. -
Application & Valuation Management
We package the deal properly (financials, rent evidence, lease, statements) and manage valuation and credit questions. -
Approval to Settlement
We coordinate conditions, docs, solicitors, and settlement — then review your facility before expiry so nothing sneaks up on you.
WHAT MAKES US DIFFERENT
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Finance + tax advice under one roof → Your loan structure supports your tax strategy and future plans (not just “gets approved”).
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Commercial risk-first thinking → We stress-test lease terms, vacancy risk, and interest-only reliance so you don’t get surprised later.
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Real structuring conversations → We consider trusts, companies, and SMSFs early, including what refinancing or selling might look like.
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Melbourne market familiarity → We understand how lenders view different asset types and pockets across Melbourne and regional Victoria.
Frequently asked questions
How much can I borrow for a commercial investment property?
It depends on the property type, lease strength, and your overall financial position. Many lenders assess commercial investments differently to residential — especially around vacancy buffers and lease terms. We’ll give you a realistic range before you spend money on reports and legals.
Do I need a lease in place before I can get finance?
Not always, but it heavily impacts lender choice and loan terms. Strong leases can improve borrowing capacity and pricing, while vacant properties may require lower LVRs or specialist lenders. If you’re buying vacant, we’ll build the funding plan around your lease-up timeline.
Should I buy in a trust, company, personal name, or SMSF?
There’s no universal “best” — it depends on tax outcomes, asset protection, and what you might do later (sell, refinance, bring in partners, or move the asset). Because we’re accountants and finance brokers, we can align ownership and funding from day one instead of treating them separately.
How long does approval take?
Straightforward deals can move quickly, but commercial finance often involves deeper credit review and valuation. As a guide, allow a few weeks from application to approval depending on lender and complexity, then additional time for docs and settlement. We’ll confirm timing early so your contract dates stay safe.
What are the risks with commercial investment loans?
The big ones are short loan terms, refinancing risk at expiry, valuation volatility, and cash flow pressure if vacancy hits. We’ll help you choose terms and buffers that match your hold strategy — and we’ll be upfront if the numbers are tight.
Next Step
If you’re considering a commercial investment purchase or refinance, the smartest first move is a strategy session before you lock in a contract or lender. We’ll map borrowing capacity, structure, lender options, and the key risks — so you can move forward with clarity.
Chat with DFG today
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