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Commercial Finance Advisory

Commercial debt structured to accelerate business capital and property acquisitions.

From purchasing corporate offices, logistics warehouses, and industrial freehold assets to securing unsecured business growth capital and commercial fitouts, Prospectloans connects enterprises and investors with over 30 leading Australian commercial banks and private lenders.

Speak with an Advisory Specialist
ACR No. 580381
ASIC Licensed Brokerage
Up to $50M+
Single Facility Capacity
Extensive Panel
Major Banks & Specialists
Modern commercial office tower and corporate business development in Australia
LVR
Up to 80% LVR
Commercial Property
Commercial Settlement Snapshot Funded
$4.85M Logistics Warehouse & Freehold Acquisition
Structured with interest-only cash flow buffer and 25-year amortization without annual review covenants.
Commercial Capability Spectrum

Specialized commercial finance engineered for your enterprise requirements.

Every commercial facility requires distinct underwriting: security valuations, lease covenants, and business cash flow ratios. Explore our five core commercial debt structures below.

Modern Australian commercial office building and corporate precinct
Max Commercial LVR
Up to 80%
Freehold & Investment Assets

Commercial Property Finance

High-leverage debt solutions for office, retail, industrial, and mixed-use acquisitions.

Purchasing commercial real estate requires bespoke structuring that balances loan-to-value covenants, tenant lease expiry profiles, and tax-effective amortisation. We negotiate with institutional lenders to secure extended terms without penal annual review triggers.

Up to 80% LVR: High loan-to-value options for standard commercial freehold properties.
Extended Terms up to 30 Years: Preserve operational cash flow with extended amortisation schedules.
Lease-Doc & Low-Doc Options: Serviceability assessed against rental income without requiring full financial statements.
Interest-Only Flexibility: Maximize working capital liquidity during acquisition and tenant onboarding phases.
Modern industrial logistics warehouse and distribution center
Industrial Property Terms
Up to 25-30 Yrs
Industrial & Logistics

Factory & Warehouse Loans

Structured debt for industrial manufacturing units, distribution hubs, and storage facilities.

Industrial real estate in Australia continues to experience rapid yield expansion and tenant demand. Whether you are an owner-occupier relocating your manufacturing operations or an investor acquiring logistics sheds, we secure commercial debt tailored to industrial floorplates and environmental zoning.

Owner-Occupier & Investor: Flexible finance whether housing your own business or generating industrial rental yield.
High-Clearance & Modern Sheds: Favorable policy niches for strata industrial, freestanding warehouses, and logistics yards.
Inventory & Machinery Integration: Ability to package property freehold finance with internal plant and equipment debt.
Low-Doc Fast Approvals: Accountant-declared income pathways for manufacturing and transport directors.
Business directors reviewing financial reports in a modern boardroom
Unsecured Funding
48h Approval
Working Capital & Expansion

Business Loans & Working Capital

Agile capital facilities to stimulate liquidity, hire talent, and capture market opportunities.

A business needs funding not only for long-term growth but to navigate the natural cash conversion cycles of inventory purchase, debtor delays, and seasonal demand. We arrange secured and unsecured business credit lines with competitive commercial rates.

Unsecured Business Lines: Fast access to capital up to $500k+ without putting your family home up as security.
Secured Growth Loans: Lower interest rate tiers secured by commercial property or business asset registers.
Invoice & Debtor Finance: Release up to 85% of outstanding unpaid invoices within 24 hours of issuing them.
Rapid Turnaround: Pre-qualification and funding in as little as 48 hours for fast-moving business opportunities.
Architectural modern office and commercial interior fitout
Fitout Financing
100% Project Cost
Interior & Retail Transformation

Shop & Office Fitouts

Specialized finance for retail storefronts, hospitality fitouts, and medical practices.

Transforming an empty commercial lease into an executive corporate office, high-traffic retail store, or specialized medical clinic requires substantial capital. We structure fitout loans that cover design, architectural layout, council approvals, joinery, and equipment.

Leasehold Improvement Funding: Finance the construction costs directly without locking up critical operational cash.
Turnkey Package Coverage: Budget, architectural design, electrical, joinery, plumbing, and aesthetic finishes covered.
Retail & Hospitality Specialists: Tailored repayment structures for cafes, bars, fashion retail, and franchise locations.
Medical & Dental Suites: Specialised 100% fitout finance options for accredited healthcare professionals.
Commercial construction and property development site
Max Construction GRV
Up to 70%
Commercial Construction

Development & Construction Finance

Comprehensive funding for subdivisions, commercial complexes, and industrial estates.

Commercial development requires advanced debt management: progressive staged drawdowns, independent quantity surveyor certifications, and interest capitalisation to avoid debt servicing burdens during active construction phases.

Up to 70% of Net GRV: Gross Realisation Value borrowing capacity across major and private construction lenders.
Progressive Staged Drawdown: Interest charged only on drawn construction tranches, minimising total holding costs.
Interest Capitalisation: Build the loan interest directly into the facility limit throughout the construction timeline.
Flexible Pre-Sale Hurdle: Tailored options with reduced or zero pre-sale requirements via non-bank private credit funds.