Finance for commercial property, business premises, and SMSF lending.
Whether you are purchasing your first commercial property, expanding into larger premises, or investing through your self-managed super fund, commercial finance involves different considerations to residential lending. Lenders assess commercial loans based on the property type, rental income, tenant quality, and your overall financial position rather than simply applying standard serviceability calculations.
At Webb Financial, we help business owners across Wollongong, Shellharbour, and Ramsgate find the right commercial lender. Our lending and finance brokers work with banks and specialist lenders to structure finance that aligns with your business goals, tax position, and long-term strategy.
Commercial finance refers to lending secured against business or investment properties. This includes loans for purchasing, refinancing, or developing commercial real estate such as offices, retail shops, warehouses, industrial units, and mixed-use properties.
Commercial lending involves different loan-to-value ratios, interest rates, and assessment criteria compared to home loans. Lenders look at rental yields, lease terms, property condition, and the strength of the borrower’s overall financial position.
Many business owners reach a point where purchasing premises makes more financial sense than continuing to rent. Owning your own commercial property can provide stability, build equity, and potentially reduce your overall occupancy costs over time.
Owner-occupied commercial finance allows you to use your business income to service the loan. What matters here is:
Business income and trading history demonstrating the capacity to service the loan
Property suitability - ensuring the premises meet your operational needs
Deposit requirements - usually 20-30% for commercial property
Loan structure - balancing interest rates, fees, and flexibility
Tax implications - vary depending on ownership structure
Commercial property investment involves a different risk assessment compared to owner-occupied lending. Lenders focus heavily on the rental income the property can generate, the quality of the tenants, and the terms of existing or prospective leases.
Lenders look at:
One of the most common SMSF strategies is purchasing the premises your business operates from. This allows your super fund to receive rent from your business while building an asset for your retirement.
Self-managed superannuation funds can borrow to purchase commercial property through a Limited Recourse Borrowing Arrangement (LRBA).
Before using your SMSF for commercial lending, you’ll need to think about:
As an integrated accounting and lending practice, Webb Financial can coordinate your SMSF commercial lending with the accounting, tax and compliance advice needed to ensure everything is structured correctly from the start.
Commercial lending assessment can be more complex. Lenders consider:
Different lenders specialise in different property types and borrower profiles. Part of our role is matching your situation with lenders whose policies and risk appetite align with your needs.
1
Initial consultation to understand your goals, property requirements, and financial position
2
Financial analysis reviewing business accounts, cash flow, and existing liabilities
3
Property assessment considering the property type, location, income, and lease terms
4
Lender selection identifying the most suitable lenders based on policy, pricing, and service
5
Application preparation compiling financials, lease documents, and property information
6
Lender management handling queries, valuations, and credit assessment
7
Settlement coordination working with solicitors and all parties to complete the transaction
Common requirements for commercial lending include:
Commercial property lending requires more than rate comparison. It takes knowledge of lender credit policies, experience in structuring deals that get approved, and relationships that help when applications fall outside standard criteria. Our lending specialists bring over 40 years of combined experience across major financial institutions, giving you:
Understanding which lenders are competitive for your type of property and situation
We translate lender requirements and commercial terms into plain language
Presenting your financials and the property in the best light
Avoiding wasted applications to lenders unlikely to approve
Leveraging relationships and comparison to secure better terms
Finding solutions when standard lending criteria do not fit
As a full-service accounting and finance practice, we coordinate lending with tax planning, SMSF compliance, and business strategy
From initial assessment through to settlement and post-settlement support
Chris Smith is the director of our lending and finance team, bringing over 20 years of experience across financial institutions as both a branch manager and lending specialist. His deep understanding of lending policy, risk assessment, and loan structuring allows him to navigate complex commercial transactions and deliver practical solutions.
Liam Crowe is an experienced lender with over 20 years across financial institutions and as a business owner himself. His combined banking and operational background means he understands the realities of running a business and how commercial property fits within broader business planning.
01
02
03
04
Commercial loan terms range from 15 to 25 years, though this varies by lender and loan type. Some lenders offer interest-only periods at the start of the loan, which can help with cash flow in the early stages of property ownership.
05
If you are considering purchasing commercial property, whether for your own business or as an investment, our team can help you understand your options and structure finance that works.
Call us on: 02 4244 4054
Email: info@webbfinancial.com.au
