Business Property Finance

Empower your business growth by securing tailored financial solutions with the expertise of a commercial lending broker.

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We work with businesses looking to expand, as well as individual investors looking to purchase a commercial premises to lease. We’ll liaise with the lenders and your accountant, on your behalf, and assemble
your business loan application for you.

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Looking for a business loan to purchase a commercial property? We can help.

Whether you’re looking for a business loan to purchase a retail store, a factory, a farm or an office block, Assured Lending will be with you all the way. We will find tailored finance solutions to suit your specific needs. Once we have a comprehensive knowledge of your situation, we’ll compare business loans from Australia’s leading lenders. We work with businesses looking to expand, as well as individual investors looking to purchase a commercial premises to lease. We’ll liaise with the lenders and your accountant, on your behalf, and assemble your business loan application for you.

Getting the right business loan

Before considering loan options, your Assured Lending Broker will get a full understanding of your business and your future goals.
We’ll explain the pros & cons of the different types of business loans available for your purchase.
We’ll compare business loans from a wide range of lenders to find the best solution.
We’ll contact the commercial relationship managers at the lenders offering the most suitable options to discuss your specific circumstances & negotiate the best possible terms and rates on your behalf.
We’ll do all the application paperwork for you and keep you updated at every stage of the loan application process.

Meeting with you and your team

Your Broker will get a comprehensive assessment of your financial situation and how your commercial purchase will impact your business and tax situation moving forward. They will liaise with your your accountant, business manager or financial planner to ensure all your needs are being met.

Your own personal Commercial Broker

You will be assigned with your own Commercial Broker who will be your point of contact throughout the entire purchase process and beyond. You will have all their direct contact details and can meet with them, or call them, both during and after business hours. Your Broker will stay in contact with you after your purchase is finalised, providing further assistance down the track as your business or investment grows. They can assist you with vehicle & equipment finance, refinancing your commercial property as your needs change or obtaining personal finance in the future.

Getting the right business property loan

Before considering loan options, your Assured Lending Broker will get a full understanding of your business and your future goals.

We’ll explain the pros & cons of the different types of business loans available for your purchase.

We’ll compare business loans from a wide range of lenders to find the best solution.

We’ll contact the commercial relationship managers at the lenders offering the most suitable options to discuss your specific circumstances & negotiate the best possible terms and rates on your behalf.

We’ll do all the application paperwork for you and keep you updated at every stage of the loan application process.

Purchasing a commercial property for investment purposes

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Long term leases

The leasing terms on a Commercial property are generally much longer than residential properties. Commercial leases tend to go for several years as apposed to 6 to 12 months for a residential lease.

GST on your commercial property

Goods and services tax (GST) applies when you purchase a commercial property. You need to allow an additional 10% on the property’s purchase price. As an investor, you can claim this GST back as an ‘input tax credit’ against GST charged on the property’s rent.

Reduced maintenance costs

The costs of maintenance, rates and repairs for a commercial property are generally much less than residential because they are paid by the lessee. This means a greater percentage of the rental income goes towards your profit.

Commercial properties with a limited purpose

If you have a commercial property that is designed for a specific purpose, it will be harder to secure a lessee. Consider properties with multi-use appeal so you can attract a larger range of tenants.

Location is always key

As with all property investments, the location will play a significant role in the success of your commercial property. Important factors to consider are good transport links, a nearby pool of workers, and surrounding businesses that could offer support to lessees.

Rental returns on commercial property

Commercial properties generally have a higher return on investment than residential but they also come with a higher risk. The choice to invest in a commercial property as apposed to residential will depend on your financial circumstances, experience, goals and willingness to take on a higher risk investment.