Finance your business property, expansion, or development project. We structure commercial loans to suit your business cash flow and goals.
Commercial lending in Australia is fundamentally different from residential finance. Lenders assess your business financials, industry risk, property type, and lease profile before determining your rate and terms. With loan-to-value ratios typically capped at 65-70% and rates that vary significantly between lenders, having a broker who understands commercial credit is essential. We work with major banks, non-bank lenders, and private funders to structure the right facility for your business.
Finance retail, office, industrial, and mixed-use properties with LVRs up to 70%. We source competitive rates from lenders who specialise in your property type and location.
Fund residential and commercial construction projects with staged drawdown facilities. We work with lenders experienced in development risk including pre-sales requirements and cost overrun provisions.
Purchase an existing business or franchise with a structured finance package covering goodwill, stock, equipment, and property. We present your acquisition case to lenders who understand business valuations.
Maintain cash flow with revolving credit lines, overdrafts, and invoice finance facilities. We match the right product to your cash flow cycle and seasonal requirements.
Your SMSF can purchase commercial property and lease it to your own business at market rent. We arrange compliant SMSF commercial lending with competitive terms and guide you through the trustee requirements.
Commercial loan rates are rarely reviewed automatically. We audit your existing facilities, renegotiate with your current lender, and refinance to a better deal if they will not match the market.
General Advice Warning: The information provided on this page is general in nature and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for you before acting on it.
We review your business financials, tax returns, and existing facilities to understand your position. For property purchases, we also assess the tenancy profile and lease terms.
Commercial loans can be structured as term loans, interest-only facilities, lines of credit, or a combination. We design the structure that aligns with your cash flow and tax strategy.
We prepare a credit submission tailored to each lender's appetite and negotiate the best combination of rate, LVR, and covenants. Commercial lending is highly negotiable and we leverage that.
We manage the commercial valuation process, satisfy all conditions precedent, and coordinate settlement with solicitors, valuers, and the lender's credit team.
Real reviews from real clients across Australia
"We would like to thank Stephen and Jeng so much for their assistance and support in our refinancing process. The team were proactive and always available to help."
"Stephen's professionalism, attention to detail, and genuine care made the entire mortgage process smooth and stress-free. He secured us the best rates when our first bank delayed."
"Damien and Jeng were amazing to deal with! They helped us refinance our home loan so we could get our renovations underway. The process was easy and stress-free."
"Damien was efficient and friendly. In a blink of an eye he got me from point A to B."
"Damien was very helpful, easy to communicate with. Kept me informed all the way and successfully refinanced my mortgage with a much better deal."
"Stephen and his team are highly recommended; my SMSF lending case was a complex one, but Stephen found some options. Great communication and responsiveness throughout."
"Damien from Manage Your Loans was fantastic in every step of our refinancing. Always available on the phone whenever questions needed to be answered."
"We were very impressed with the support we received during our home loan process. Damien's expertise and professionalism stood out."
"Stephen was great throughout the whole process. He kept me up-to-date and informed the entire time."
"Stephen Vider from Manage Your Loans helped me greatly through the refinance process. He was very transparent throughout."
"Ben was absolutely friendly and made the entire refinancing process completely stress-free for us. He took the time to understand our needs."
"We gave Damien from Manage Your Loans a complex challenge as we were refinancing 3 separate mortgages on two properties. He completed the intricate case successfully."
"Great service, MYL managed to get a better deal from the same bank! A must go for your home loan."
"Damien was a pleasure to deal with. Walked me through the whole process. Made everything very simple."
"We wish to acknowledge the outstanding service we experienced throughout the refinancing process. Damien's professionalism and industry knowledge were remarkable."
"Amazing! Debra and the team took exceptional care of us while getting a home loan for our first home in Australia."
"Second time around with Damien. Highly recommend him for his honesty, integrity and personalised service."
"The team from Manage Your Loans has been really helpful in doing my refinance to another lender. Thank you Deb, Grace and Leanne."
"Damien was fantastic as our mortgage broker! From start to finish, he was knowledgeable, professional, and incredibly helpful."
"The team at Manage Your Loans were amazing. Leanne and Nathan were with me every step of the way and successfully got over the line a new loan for my Self Managed Super Fund."
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