- Brisbane commercial property finance
Commercial Property Finance Broker
Write Finance helps business owners secure commercial property finance with clear strategy, strong documentation, and lender selection that fits how their business actually operates.
- What You Get With Write Finance
Commercial lending is about more than approval. We structure Brisbane commercial property loans around cash flow, lease strength, asset type, and long-term business goals, whether you’re refinancing or purchasing.
Lender decisions in Brisbane vary by location, zoning, and tenancy strength. From inner-city assets to suburban industrial and mixed-use properties, we understand how local lenders assess risk, valuations, and terms.
We compare commercial lending options available within our lender panel, considering the property, business performance, cash flow, security and funding purpose. Available lenders depend on your circumstances and their current requirements.
We design commercial loan structures to suit how your business operates, including interest-only periods, lease-backed servicing, flexible terms, and split facilities, while protecting cash flow and future options.
Commercial loans require detailed, lender-ready documentation. We manage financials, lease summaries, valuations, and serviceability modelling to keep approvals efficient and on track.
Commercial property finance suits business owners who want to buy, refinance, or restructure property used for business or investment purposes, including:
- Owner-occupiers purchasing premises for their business (warehouses, workshops, offices, medical suites, retail spaces)
- Investors buying leased commercial assets (retail, industrial, office)
- Businesses refinancing to reduce repayments, improve cash flow, or access equity
- Buyers funding fit-outs, improvements, or staged purchases
- Borrowers using trusts, companies, and more complex entity structures
- Commercial Lender Options
Access to Australia’s Leading Commercial Lenders
- Our Capabilities
Commercial Property Finance Built Around How Your Business Operates
Commercial Property Purchases
Buying commercial property requires a different approach to residential lending. We structure finance for owner-occupied and investment commercial assets, factoring in lease terms, asset type, zoning, and business cash flow. Our role is to secure funding that supports the property and the business using it.
Commercial Property Refinancing
Review your existing commercial loan to assess whether its rate, repayments and conditions still suit your circumstances. We compare available alternatives, including switching costs, remaining loan terms, security requirements and any lender review conditions.
Equity Release for Business Growth
Commercial property equity can be a powerful growth tool. We help business owners unlock equity to fund expansion, acquire additional assets, invest in plant and equipment, or strengthen cash reserves while maintaining sensible gearing and serviceability.
Owner-Occupied Commercial Lending
For businesses purchasing their own premises, we structure lending that balances repayment comfort with long-term flexibility. This includes managing loan terms, interest-only periods where appropriate, and ensuring the loan supports business growth rather than restricting it.
Commercial Investment Property Loans
Commercial investment lending is driven by tenancy strength, lease length, and yield. We work with lenders who understand different commercial asset classes and structure loans that align with rental income, future leasing risk, and portfolio strategy.
Commercial Lending for Self-Employed & Business Owners
Commercial lenders assess income differently to residential banks. We work with lenders who understand trusts, companies, retained earnings, director income, and variable cash flow. This allows us to position your financials accurately and avoid under-assessment of borrowing capacity.
Commercial Property Finance Around Your Business Plans
These illustrative scenarios explain how we approach commercial property lending. They are not client results or promises of approval.
Buying Premises for Your Business
A business owner wants to purchase premises while keeping funds available for day-to-day operations. We review the deposit, purchase costs, property details, business performance and existing commitments. We compare lender requirements and repayments, working alongside the owner’s accountant and solicitor on the proposed ownership and transaction.
Refinancing a Leased Commercial Property
A commercial property owner wants to review an existing loan as a lease approaches expiry. We assess the current loan, lease terms, rental income, valuation and other commitments. We compare available lender options and explain refinancing costs, security requirements and how tenancy changes may affect assessment.
How Our Commercial Lending Process Works
Understanding Your Business and Asset
Every commercial finance strategy starts with a clear understanding of your business and the property involved. We take the time to understand how your business operates, how income is generated, and how the commercial asset will be used. This includes owner-occupied versus investment use, lease arrangements, future plans, and risk factors lenders will assess.
Assessing Your Financial Position
We review your business financials, tax returns, BAS, cash flow, existing debt, and ownership structure to build a lender-ready picture. For commercial property, we also assess the asset itself, including zoning, tenancy strength, lease terms, and valuation considerations that directly affect lender appetite and loan terms.
Structuring and Lender Matching
Commercial lenders vary widely in how they assess risk, serviceability, and asset types. We compare policies across major banks, specialist commercial lenders, and private funders to match your deal to the right lender. The focus is on structuring the loan to support cash flow, flexibility, and long-term business objectives, not just securing approval.
Documentation, Approval, and Settlement
Testimonials
What Our Clients Say
Why us
Why Brisbane Business Owners Choose Write Finance for Commercial Property Lending
Write Finance works with Brisbane business owners, investors, and operators who need commercial property finance that’s structured properly from day one. Commercial lending is not just about approval. It’s about cash flow, risk, asset quality, and long-term flexibility. We focus on building lending strategies that support how your business actually operates, not generic bank templates.
Commercial lenders assess far more than personal income. They look at business performance, lease profiles, asset type, tenant strength, and exit strategy. We take the time to understand the full commercial picture, then position your application with lenders who genuinely understand your sector and asset class.
Every recommendation is grounded in strategy, not sales. You work directly with senior finance broker Mark Tran, who specialises in complex lending structures for business owners, investors, and self-employed clients. From first strategy call through to settlement and beyond, you receive clear, personalised guidance designed to protect both cash flow and long-term borrowing capacity.
Write Finance operates under LMG Broker Services Pty Ltd (ACL 517192), giving you the confidence of full compliance, transparent advice, and a commercial-first approach built for long-term outcomes.
Lending guidance shaped around your income, circumstances and plans.
How Commercial Property Loans Work
Commercial property finance is assessed very differently to residential lending. Brisbane commercial lenders look beyond personal income and focus on the strength of the business, the asset itself, and how the deal is structured.
They assess factors such as business cash flow, lease terms, tenant quality, zoning, property type, and overall risk exposure. Loan terms, interest rates, and lending limits vary significantly depending on whether the property is owner-occupied or investment, and which commercial sector it sits in.Our role is to structure your application so lenders clearly understand your business model, the property’s income potential, and the long-term strategy behind the purchase or refinance. We guide you through each stage to ensure the loan supports cash flow, growth, and future flexibility, not just short-term approval.
Types of Commercial Clients We Work With
Brisbane business owners use commercial property for many different purposes, which is why commercial lending can’t follow a one-size-fits-all approach. We support a wide range of commercial borrowers across Brisbane, including:
Businesses purchasing or refinancing premises they operate from, including offices, warehouses, medical suites, workshops, and retail sites.
Investors purchasing income-producing commercial assets such as retail shops, industrial units, mixed-use buildings, and leased office properties.
Companies operating through Pty Ltd structures where lending is assessed on business financials, retained earnings, and director guarantees rather than PAYG income.
We assess commercial lending options for proposed trust or SMSF purchases and explain lender documentation requirements. Your qualified advisers guide ownership structure, investment suitability, tax and legal matters. We coordinate the lending application with them where needed.
Businesses with multiple entities, trading companies, or related-party leases that require clear structuring to avoid lender confusion or unnecessary restrictions.
Clients purchasing commercial property for improvement, repositioning, or future development, where feasibility, zoning, and exit strategy are critical to approval.
Commercial Property Buying FAQs
Commercial lenders assess the deal, not just the borrower. Key factors include:
- Property type (office, retail, industrial, mixed-use)
- Lease terms and tenant strength (if leased)
- Net operating income and yield
- Loan-to-value ratio (typically 60–70% for standard banks)
- Your business financials and experience
In Brisbane, postcode risk, zoning, and asset demand can materially affect valuation and lender appetite.
Most lenders require a 10–40% deposit, depending on:
- Asset class (industrial is often favoured over retail)
- Lease length and tenant profile
- Whether the property is owner-occupied or investment
- Strength of your financials
Some specialist lenders may accept higher LVRs, but usually at higher rates or with additional security.
Yes. Commercial property can be purchased via:
- Company
- Trust (family or unit)
- Individual name
- Hybrid structures (e.g. company as trustee)
Each structure has tax, asset protection, and lending implications. We work alongside your accountant to ensure the structure supports both lending approval and long-term strategy.
Yes. Commercial loans typically feature:
- Shorter loan terms (15–25 years)
- Variable or fixed rates with review periods
- Interest-only options (often 1–5 years)
- Different fee structures (establishment, valuation, risk fees)
Commercial lending is more flexible but less standardised than home loans.
Generally, yes. Banks often view owner-occupied commercial property as lower risk because:
- The business controls the tenancy
- Income is tied directly to operations
- Vacancy risk is reduced
Owner-occupied loans can attract sharper pricing and higher approval rates compared to pure investment assets.
Commercial Property Refinancing FAQs
A commercial loan should be reviewed every 12–24 months, or sooner if:
- Interest rates have increased
- Your business profitability has improved
- The property value has risen
- Loan terms feel restrictive
Many businesses stay on outdated facilities simply because no one revisits them.
Yes, if structured correctly. Refinancing may allow you to:
- Improve interest margins
- Restructure loan terms
- Introduce interest-only periods
- Remove restrictive covenants
The goal isn’t just lower repayments, but better cash flow without weakening your position.
Yes. Commercial equity can be released to:
- Fund business expansion
- Purchase additional property
- Invest in plant and equipment
- Strengthen working capital
Most lenders allow equity access while maintaining conservative gearing, typically below 65–70% LVR.
In most cases, yes. Expect lenders to reassess:
- Updated financials (2–3 years)
- Current lease details
- Updated valuation
- Serviceability under current rates
This is where proper preparation matters. A poorly packaged refinance can stall or be declined even if the asset is strong.
Often, yes. Lender appetite has broadened in recent years, particularly among:
- Second-tier banks
- Private banks
- Specialist commercial funders
We work with lenders who understand retained earnings, trust income, and variable cash flow, which helps avoid under-assessment of borrowing capacity.
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