securing a commercial property?

A commercial property loan is secured by commercial real estate — the property itself acts as the primary security for the lender. A business loan may be secured or unsecured and is typically used to fund business operations, equipment, or working capital rather than a property purchase. Some lenders use the terms interchangeably, but they are structurally different products. Stanford Financial can assist with both.

Most commercial lenders will lend up to 70% of the property’s value, meaning you will need a minimum 30% deposit plus associated costs such as stamp duty, legal fees, and valuation. Some specialist lenders offer higher LVRs for strong applications. The required deposit depends on the property type, location, tenancy, and your financial position. A broker can identify the most competitive options for your specific circumstances.

Commercial loan terms typically range from 15 to 30 years. Interest-only periods of one to five years are commonly available and can assist with cash flow during the early stages of ownership or development. Shorter terms or balloon structures may apply for certain lenders or property types.