Property Investment Property Purchase Property Construction Agribusiness Wholesalers Retail & E-Commerce Technology Professional Services Medical & Vet Hospitality Industrial Mining Manufacturing
Book a Free 15-Minute Finance Assessment

Commercial Loans — Asset and Property-Backed Finance for Businesses

Commercial loans are assessed differently to a home loan — lenders look at business cash flow, security type, and deal structure rather than personal income alone. We run a full tender across 60+ lenders to get the terms that reflect your actual risk profile, at no cost to you.

Book a Free 15-Minute Finance Assessment

How a Commercial Loan Differs from a Standard Business Loan

The term "commercial loan" usually refers to larger, typically property or asset-backed facilities used by established businesses:

  • Loan-to-value ratios (LVR) are generally lower than residential lending — often 60% to 75% depending on the asset.
  • Pricing and terms are negotiated per deal rather than set by a rate card.
  • Serviceability is assessed against the business's cash flow and the security's income, not just personal income.
  • Terms are typically shorter than residential loans, with more frequent reviews and refinancing.

The Questions Business Owners Are Asking

  • What LVR can I realistically achieve on a commercial loan for my property or business?
  • Should I choose a fixed or variable rate, and interest-only or principal and interest?
  • Can I use an SMSF to purchase commercial property for my own business?
  • How does the lender treat multiple entities or trust structures in my group?
  • What documentation do I need to get a competitive offer, not just an indicative one?

Why Businesses Choose Glenclair Financial

Market intelligence most brokers can't match.

Having worked inside major banks on pricing and risk, we know where the market genuinely sits — not advertised rates, but realistic outcomes for your specific deal.

A full banking tender run on your behalf.

We approach all suitable banks and non-bank lenders to uncover the strongest combination of rate, LVR and structure for your commercial loan.

Direct access to the specialist. No hand-offs.

You work one-to-one with a former senior banker from the first conversation through to settlement.

Zero cost to you.

We're paid by the lender as part of their standard costs. If we don't deliver clear value, you pay nothing.

$355K Annual savings delivered to a single client
35 BPS Average reduction in debt servicing costs (basis points) — and if we can't save you money, we won't represent you
60+ Lenders on our panel — Big Four, second tier, third tier, and private credit
$0 There is no cost to you for our services; we are compensated by lenders rather than clients. Debt advisory services are the exception, provided under a retainer and success-fee structure

HOW IT WORKS

1

Tell us about your business
Share your situation, goals, and what you need to achieve.

2

We run the full banking tender
We approach all relevant lenders and secure competing offers.

3

You choose — we close
Pick the best terms and we manage everything through to settlement.

Commercial Loan Solutions We Arrange

  • Commercial property purchase and refinance loans
  • Construction and development finance
  • SMSF commercial property loans
  • Business acquisition and expansion loans
  • Industry-specific commercial lending — see our sector pages

Ready to See What Terms You Can Actually Get?

Whatever you're financing, one conversation can show you what's realistically achievable across the full lending market.

Book a free, no-obligation consultation with us today

Book a Free 15-Minute Finance Assessment