Commercial Loans

Your Trusted Commercial Finance Broker near Melbourne: Fueling Your Ambition

Commercial real estate and large-scale business acquisitions require a level of financial sophistication that goes far beyond standard residential lending. Whether you are an established business owner looking to purchase your own warehouse, or a seasoned investor seeking high-yield retail spaces, securing the right capital is the most critical step in your journey.

At MBG Services, we understand that commercial lending has no fixed structure. As your dedicated commercial finance broker in Melbourne, we cut through the complexity of commercial credit policies. We leverage our extensive network of major banks, private funders, and specialist lenders to structure commercial finance that protects your cash flow and accelerates your wealth creation.

Commercial Loans in Melbourne

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Business Finance Solutions Melbourne

Specialist Advice for Commercial Loans Melbourne

Commercial lending is heavily dependent on the specific asset, lease terms, and the strength of your business financials. A slight misstep in structuring can cost you thousands in interest or result in a declined application. We specialise in securing highly competitive commercial loans in Melbourne for a wide variety of purposes, including:

  • Commercial Property Purchases: Funding for retail storefronts, office buildings, industrial warehouses, and medical suites.
  • SMSF Commercial Borrowing: Structuring limited recourse borrowing arrangements (LRBA) so your Self-Managed Super Fund can purchase commercial property.
  • Development Finance: Funding for multi-unit residential or commercial construction projects.
  • Lease-Doc & Low-Doc Loans: Flexible financing solutions that rely on the rental income of the property (lease-doc) or alternative financial declarations, ideal for self-employed investors with complex trust structures.

Why You Need a Specialist Commercial Broker?

Securing commercial finance directly through a standard bank manager is often a frustrating experience. Commercial loan-to-value ratios (LVRs) are typically lower, interest rates vary wildly depending on the perceived risk of your industry, and the paperwork can be overwhelming.

When you partner with MBG Services, we act as your financial advocate. We know exactly which lenders favour specific asset classes. We negotiate fiercely on your behalf, ensuring you get the most favourable interest rates, longer loan terms, and flexible repayment structures (such as interest-only periods) to maximise your investment yield.

You can apply for a commercial loan in just a few steps

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The MBG Services Advantage: Fast, Strategic, and Transparent

Commercial opportunities move fast; your finance should too. When you choose us as your commercial lending partner, you benefit from:

Tailored Structuring: We work alongside your accountant or financial planner to ensure the loan is structured optimally for tax efficiency and asset protection.

Wider Access to Capital: We don’t just rely on the “Big Four” banks. We have access to second-tier lenders and private commercial funds that offer creative solutions traditional banks won’t touch.

End-to-End Management: From the initial feasibility assessment and commercial valuation to the final settlement, we manage the entire complex process so you can stay focused on your business.

Frequently Asked Questions

Unlike residential loans, commercial loans typically have a lower Loan to Value Ratio (LVR). You will generally need a deposit of 20% to 35%, meaning lenders will cover 65% to 80% of the property value, depending on the asset class and risk profile.
A lease doc loan is a simplified finance option where the lender relies primarily on the rental income generated by the property’s tenants to service the debt, rather than demanding your full, complex business financials.
No. Commercial loan terms are often shorter, typically ranging from 5 to 15 years, though some specialist lenders may offer up to 25 or 30 years for specific types of standard commercial properties.
Yes. Buying commercial real estate through a Self Managed Super Fund (SMSF) is a powerful wealth creation strategy. We are highly experienced in structuring the required Limited Recourse Borrowing Arrangements (LRBA) for these purchases.
Yes. Unlike residential property, you are legally allowed to purchase a commercial premises through your SMSF and lease it back to your own trading business, provided the lease is strictly on commercial, “arm’s length” terms.
Lenders view commercial property as a slightly higher risk due to the potential for longer vacancy periods between tenants. However, an expert commercial finance broker in Melbourne can negotiate aggressively to secure rates very close to residential pricing for strong applicants.
Commercial finance involves a more rigorous assessment and requires specialised commercial property valuations. You should typically allow three to six weeks from application to formal approval.
We can secure Commercial Loans in Melbourne for almost any asset, including retail storefronts, industrial warehouses, corporate office suites, medical centres, childcare facilities, and multi-unit development sites.
Absolutely. Many investors unlock the equity in their residential properties to fund the 20% to 30% deposit required for a commercial purchase, allowing them to expand their portfolio without needing cash upfront.
Your bank manager is restricted to selling you one bank’s strict policies. As your dedicated commercial finance broker in Melbourne, we actively compare policies, LVRs, and interest rates across dozens of private and major lenders to find the exact structure that maximises your return on investment.

Secure Your Next Commercial Asset Today

Do not let inflexible lending criteria stand between you and your next major commercial acquisition. Partner with a broker who understands the intricacies of the Melbourne commercial property market.

Call our commercial lending specialists directly on 03 9492 4860 or submit a confidential online enquiry to discuss your commercial property goals.

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