Smart commercial property loans and advice

Commercial property loans can be complex. They’re also variable and, often, negotiable. A State Financial Services commercial finance expert can provide advice at every step and work on your behalf to secure the right loan for you.

What type of commercial properties can you get a loan for?

Whether it's for your own company site, to rent out to tenants or develop, a State Financial Services Adviser can help you get the right loan, for just about any property, including:

We can also assist you with commercial properties that are harder to value, such as:

Offer expert commercial loan guidance

Your State Financial Services accredited commercial finance specialist is in your corner from start to finish, providing the expert advice and answers you need to feel confident about every decision.

Make everything easy to understand

From loan types and terms to bank fees and interest rates, they will walk you through scenarios and clearly explain how much you can borrow, the costs involved, the potential risks, and what to expect at each step on the way to owning your commercial property.

Find a suitable commercial loan

Your broker will walk you through the pros and cons of standard and short-term commercial loans, the impact of loan sizes and security, LVRs and more. They will then compare loans from a wide range of leading lenders to find the right one – so you never lose sleep worrying that you missed out on a better loan.

Get you prepared for loan assessment

Depending on whether your commercial property is an investment, owner-occupied, working capital or something else, the risk factor impacts the way loans are assessed by lenders. Your commercial finance specialist will make sure you are in the best position to have your loan approved quickly.

Structure your loan smartly

An attractive interest rate is just one benefit of working with a State Financial Services commercial property finance specialist. They can also guide you on funding the deposit, making repayments, ways to purchase the property and much more.

Meet with you and your accountant

To get an accurate picture of how your commercial purchase will affect your tax situation, your State Financial Services finance specialist is prepared to talk to or meet with, you and your accountant to discuss the various loan options available, and the pros and cons of each bank's offer.