← Loan Options
Commercial Loans
Explore lending pathways for business property, commercial investment and working capital.
Who this may suit
Business owners looking to purchase their business premises
Investors purchasing commercial, industrial or retail property
Businesses seeking working capital or equipment funding
Operators expanding or refinancing existing commercial debt
Common use cases
Purchasing owner-occupied commercial property
Buying investment commercial or industrial property
Refinancing existing commercial or business debt
Working capital or business expansion funding
Hospitality, retail, office or warehouse acquisition
Mixed-use property purchase or development
Documents commonly required
Valid photo ID for all directors and guarantors
Most recent 2 years of business financial statements
Most recent 2 years of business tax returns
Last 2–4 quarters of Business Activity Statements (BAS)
Last 3–6 months business bank statements
Company or trust structure documents (ASIC extract if applicable)
Details of commercial property or security offered
Existing loan statements and lease agreements if applicable
Important considerations
Commercial lending assessment differs significantly from residential — property type, lease terms and business performance all matter
LVR for commercial property is typically lower than residential — often 65–75%
Owner-occupied commercial may be assessed differently to commercial investment
Lease terms on tenanted properties can affect lender appetite
Personal guarantees are commonly required from directors or business owners
Valuation methodology for commercial property may vary from residential
All lending subject to lender assessment, credit criteria, valuation and final approval
Ready to explore your options?
Start a lending enquiry
No obligation. Takes 60 seconds. Secure & private.
Helpful official resources
The following links are to independent government and regulatory sources. They are provided for general reference only.
Important Information
Information on this page is general in nature and has been prepared without taking into account your objectives, financial situation or needs. It does not constitute credit advice, financial advice, loan approval or a loan offer. Any lending outcome is subject to lender assessment, eligibility, verification, valuation, credit criteria, responsible lending obligations and final approval. Fees, charges, terms, conditions and lending criteria may apply. K&M Capital may assist borrowers by collecting enquiry information, helping prepare lending scenarios and connecting borrowers with brokers, lenders, service providers or referral partners where appropriate. K&M Solutions and Services Pty Ltd (ACN 649 305 126) does not hold an Australian Credit Licence.
Information on this page is general in nature and has been prepared without taking into account your objectives, financial situation or needs. It does not constitute credit advice, financial advice, loan approval or a loan offer. Any lending outcome is subject to lender assessment, eligibility, verification, valuation, credit criteria, responsible lending obligations and final approval. Fees, charges, terms, conditions and lending criteria may apply. K&M Capital may assist borrowers by collecting enquiry information, helping prepare lending scenarios and connecting borrowers with brokers, lenders, service providers or referral partners where appropriate. K&M Solutions and Services Pty Ltd (ACN 649 305 126) does not hold an Australian Credit Licence.