Streamlined Commercial Property Finance with 30-Year Terms
- Self-declared funding applications
- Minimal documentation
- Fast approvals for loans up to $1.5Million.
Rated 5 Stars for service by 100+ Clients
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Our Commercial Property Loan Solutions
Tailored financing solutions for different commercial property needs and loan amounts.
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+ Years of Experience
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+ Properties Financed
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% LVR Option Available
Trusted by Property Owners Across NSW & VIC
Why Choose Our Commercial Property Financing
We’ve designed our solutions specifically for busy commercial property owners who value simplicity and speed.
Self-Declared Applications
No complex financial documentation required for loans up to $1.5M. Simply complete our self-declared application form.
30-Year Loan Terms
Enjoy extended loan terms up to 30 years for standard commercial properties, and 15 years for mixed-use properties.
Minimal Documentation
Just provide 12 months of loan statements showing repayment history and your property details. That’s it.
Up to 80% LVR
Access up to 80% Loan-to-Value Ratio on owner-occupied commercial properties, maximizing your borrowing potential.
Rapid Refinance Process
Our streamlined refinancing approach can deliver approvals within days instead of weeks or months.
Expert Guidance
With 22+ years of combined expertise, our team specializes in structuring optimal commercial property financing.
Commercial Property Financing Eligibility
Understanding our eligibility criteria for commercial property loans up to $1.5M.
Do You Qualify?
- Total business borrowings less than $1.5M.
- For investment properties: Existing lease to a third party must be in place.
- At least 50% of gross income comes from the property's rent.
- Interest Cover Ratio (ICR) is greater than or equal to 1.5x.
- For refinancing: 12 months of business lending with no late repayments.
Our Simple 4-Step Application Process
We’ve streamlined the commercial property financing process to save you time.
1
Initial Consultation
Book a free consultation with our commercial property financing specialists to discuss your needs and eligibility.
2
Simple Application
Complete our self-declared application form and provide your 12 months of loan statements and property details.
3
Rapid Assessment
Our team evaluates your application efficiently with our streamlined process, often within days.
4
Approval & Funding
Receive your approval and proceed to settlement with our guidance and support.
Frequently Asked Questions
Get answers to common questions about our commercial property financing solutions.
What does "self-declared application" mean?
A self-declared application means you can apply without providing full financial statements or tax returns. You simply declare your financial information on our application form, and we verify your repayment capacity through your 12 months of loan statements. This significantly reduces paperwork and speeds up the approval process.
How long does the approval process take?
With our Rapid Refinance process for loans up to $1.5M, approvals can be obtained within days rather than weeks. The exact timing depends on the completeness of your application and the specific requirements of your loan. Our team works efficiently to minimize delays.
What types of commercial properties do you finance?
We finance a wide range of commercial properties including office buildings, retail spaces, industrial properties, warehouses, and mixed-use buildings. Both owner-occupied and investment commercial properties are eligible, with specific terms and conditions applying to each category.
What is the maximum LVR available?
For owner-occupied commercial properties, we offer up to 80% LVR. For standard commercial investment properties, we offer up to 65% LVR. The exact LVR depends on the property type, location, lease arrangements, and other factors specific to your situation.
Book Your Free Consultation
Take the first step toward simplified commercial property financing today.
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Reliiance Financial Solutions is Credit Representative (Credit Representative No 427207) of BLSSA Pty Ltd (Australian Credit Licence No 391237).
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