Business premises and commercial investment
Commercial Property Loans — broker support across Australia
Commercial property lending is assessed very differently from residential. Lenders look at lease terms, tenant quality, business cash flow, property type and location — and the range of lender policies across this space is wide. TwoFold Lending helps business owners and commercial investors navigate that complexity and find a realistic lending path for the property they're targeting.
Book an appointmentCommercial lending: lender policy varies more here than anywhere else in finance.
Commercial property lenders assess deals based on property type, location, tenant quality, lease terms, business cash flow and the borrower's overall financial position. A warehouse in an industrial estate is assessed completely differently from a retail tenancy in a CBD. Some lenders will engage with complex commercial deals; most prefer straightforward ones. Knowing which lender will genuinely look at your deal is more than half the work.
- Owner-occupied commercial property finance
- Commercial investment property lending
- Offices, warehouses, retail and industrial premises
- Loan structure and lender policy guidance
Tenant quality, lease structure, property type — what drives the lender's decision.
For investment commercial property, lenders weigh the strength and length of the existing lease, the tenant's covenant, the property's location and value, and the net yield relative to the loan. For owner-occupied premises, the business's trading performance and ability to service the debt are the primary focus. These two scenarios are assessed by different parts of a lender's credit team and often under different criteria.
TwoFold Lending helps business owners and commercial investors understand how lenders will approach their specific deal before submitting anything. We identify which lenders are genuinely active in commercial property for your property type and location, work through the deposit and LVR requirements and help you present a well-structured application to the right credit decision-maker.
Common questions
Commercial Property Loans — frequently asked questions
How is commercial lending assessed differently from a home loan?
Lenders consider the property's lease status, the quality and covenant strength of the tenant, the property type and location, your business cash flow, the deposit size and your overall borrower profile. The assessment is more complex and lender policies vary far more widely than in the residential market — which is precisely where a broker adds real value.
Can a business buy its own premises rather than leasing?
Yes, and many businesses find that ownership makes strong long-term financial sense. Whether it's achievable depends on your business's trading performance, affordability, the property's value and your available deposit. We assess whether ownership is a realistic option for your specific business and help you build the case to lenders.
What deposit is typically required for a commercial property loan?
Commercial property typically requires a larger deposit than residential — often in the range of 25 to 40 percent depending on the property type, location and lender. Some lenders will go lower in the right circumstances. We compare requirements across our panel and identify the most competitive options for your purchase.