Commercial loans that support your growth.
Tailored finance solutions for purchasing, expanding, or investing in commercial property.
Helping Businesses GrowLending that's built around your business.
Commercial loans are designed to help businesses and investors purchase, refinance, or develop commercial property. Whether you're acquiring new premises, expanding your portfolio, or refinancing an existing loan, the right finance solution can support your long-term business growth.
Commercial lending is often more complex than residential lending, with different loan structures, lender requirements, and assessment criteria. Finding the right loan means considering your business objectives, cash flow, and future plans.
At Spitfire Finance, we take the time to understand your business before comparing suitable commercial loan options from our panel of trusted lenders. We'll explain your choices clearly, guide you through the application process, and help you secure finance that aligns with your goals.
Commercial Loan FeaturesEverything you need to grow with confidence.
-
Commercial Property Finance
Funding solutions for purchasing, refinancing, or expanding commercial property.
-
Owner-Occupier & Investment Loans
Finance options for businesses buying their own premises or investors growing a commercial property portfolio.
-
Access to 60+ Lenders
Compare a wide range of commercial lending options from our trusted panel of lenders.
-
Flexible Loan Structures
Choose from loan structures and repayment options designed to suit your business and cash flow requirements.
-
Competitive Interest Rates
We'll compare lenders to help you access competitive commercial loan options available to your business.
-
Expert Guidance Throughout the Process
From lender selection to settlement, we'll guide you through every stage with clear advice and ongoing support.
A Simple Path to the Right Home Loan
Let’s Chat
Tell us about your goals and financial situation.
We Compare
We assess loan options from our panel of trusted lenders.
You Choose
We explain your options so you can make an informed decision.
Settled
We manage the paperwork and keep everything on track through to settlement.
Our CommitmentMore Choice. Less Stress. Better Outcomes.
-
Access to 60+ Lenders
We compare home loan options from more than 60 trusted lenders, giving you greater choice and helping you find the right fit.
-
Rated 5.0 by Clients
Our reputation is built on honest advice, responsive service, and helping clients achieve their property goals with confidence.
-
All You Need Is One Person
You'll work with one dedicated broker from your first conversation through to settlement, with clear guidance every step of the way.
-
No Cost (Paid by the Lender)
Our mortgage broking service comes at no cost to you, so you can access expert advice without paying broker fees.
Frequently Asked Questions
-
It’s possible, using a Limited Recourse Borrowing Arrangement (LRBA), but this is a specialised and heavily regulated area — SMSF lending sits alongside strict superannuation law requirements, and whether it’s appropriate for your fund is a decision for a licensed financial adviser or your SMSF’s accountant, not something we can recommend. What we can help with is comparing lenders who offer SMSF commercial lending once you’ve had that advice and decided it’s the right structure for you.
-
Commercial lending generally requires a larger deposit than residential — often in the range of 20–35% of the property’s value, though this varies significantly by lender, property type, and whether the property is owner-occupied by your business or purchased as an investment. Specialised property types (like childcare centres, service stations, or single-tenant industrial sites) can require higher deposits again. We’ll give you a realistic figure once we understand the specific property.
-
An owner-occupied commercial loan is for a property your own business will operate from, and lenders generally view this more favourably since your business’s trading performance and cash flow directly support the loan. An investment commercial loan is for a property you’ll lease out to a tenant (who might be a related or unrelated business), and lenders will weight the strength and length of the lease, and the tenant’s covenant (their financial reliability), more heavily in their assessment.
-
Commercial loan terms are typically shorter than residential — often 15–20 years rather than 25–30 — and many commercial loans come up for review or refinance every 3–5 years rather than running on a “set and forget” basis. Interest-only periods are available from some lenders, particularly for investment purposes, but policies vary considerably more than in residential lending. This is very much a case-by-case comparison across our panel.
Still Have a Question?
If your question isn’t answered here, that’s exactly what we’re here for. Every situation is different, and general information can only take you so far.
Get Started and let’s talk through your specific circumstances.
What Our Clients Say