Business & Commercial Finance

Commercial Loans

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Business & Commercial Finance

Commercial Loans That Work Around Your Goals

Commercial loans can assist with business property purchases, refinancing, debt consolidation, equipment, and working capital needs. Because commercial lending is often more complex than standard residential lending, the structure needs to be considered carefully from the outset.

At Capital Avenue Mortgage and Finance, we work through your commercial loan scenario, review the purpose of the finance, and help identify lenders that may be able to consider the application based on their policy.

Whether you are purchasing a commercial property, refinancing an existing facility, consolidating business debt, or seeking funding to support business growth — the focus is on understanding the structure, income position, security, and lender requirements before moving forward.

How We Help

How We Help With Commercial Loans

Every commercial scenario is different. We take the time to understand the business, the borrowing purpose, and the supporting information lenders are likely to require.

01
Finance Purpose Review
Reviewing the purpose of the finance to understand what the funds are needed for and how lenders are likely to view the transaction.
02
Business Structure Review
Understanding the business or entity structure — company, trust, or individual — and how this impacts lender requirements.
03
Security & LVR Assessment
Reviewing available security and the loan-to-value position to identify suitable lenders and what terms may be achievable.
04
Cashflow & Servicing Analysis
Considering business income, cashflow, and servicing capacity to identify how lenders are likely to view the application.
05
Lender Policy Identification
Identifying lender policy requirements before approaching the market — ensuring alignment before any application is submitted.
06
Scenario Preparation
Preparing the scenario clearly so lenders can provide meaningful feedback on whether the application fits their policy.
Common Scenarios

Situations We Can Help You With

Each scenario can be assessed differently depending on the lender, the loan purpose, the security offered, and the financial information available.

01
Purchasing commercial property
02
Refinancing existing commercial loans
03
Commercial debt consolidation
04
Business cashflow or working capital finance
05
Equipment or asset finance enquiries
06
Commercial investment property lending
07
Owner-occupied business premises lending
Lender Assessment

What Lenders Typically Consider

While requirements vary, these are the key factors lenders will generally assess when reviewing your application.

Business financials and tax returns
BAS statements, management accounts, or accountant-prepared figures
Business income, profitability, and cashflow
Existing business and personal liabilities
Property or asset security
Company, trust, or individual ownership structures
Lease income or rental arrangements
The overall purpose and benefit of the finance
Important to Know

Key Points to Understand Before You Proceed

Taking the time to clarify the scenario and supporting documents early can help avoid delays and improve the quality of lender feedback.

Use Our Calculators →
Commercial policies vary widely between lenders
Appetite, LVR limits, documentation requirements, and terms can all differ significantly based on the scenario type.
Documentation requirements can be more detailed
Having financial records prepared and current is important — lenders may request BAS, tax returns, or management accounts.
Loan terms, repayment types, and rates differ
Commercial lending terms vary depending on the scenario, the security offered, and the lender selected.
Complex structures may need additional information
Company, trust, or complex ownership structures often need more supporting documentation and preparation time.
Timeframes can be longer than standard home loans
Starting the conversation early and preparing the scenario thoroughly gives the best chance of a smooth outcome.
Explore More

Related Lending Options

Depending on your situation, you may also want to explore these other lending options.

Take The Next Step

Start Building A Smarter Property Finance Strategy Today

If you have a commercial lending scenario you would like reviewed, we can walk through the details and identify what information may be required before approaching suitable lenders.

General advice only. Capital Avenue Mortgage and Finance. Not a credit quote or offer of finance.