Commercial Property Finance

Commercial property finance for owners, investors and SMSFs

Purchase, refinance, restructure or release equity from retail, office, industrial and specialised property, including low doc and SMSF loans.

Get a free quote Call 0401 132 581

Commercial property loans, structured properly

Whether you own an existing commercial property or you’re buying one, Peak Capital can help you purchase, refinance, lower your finance costs, restructure your debt and security, or release equity for your next purchase.

We review your current position and give tailored advice to help you make the most of your leverage, whatever the complexity. When it’s time to transact, we know commercial, retail and business property deals, including commercial property purchased through an SMSF.

Property we finance

High street retail

Shops and strip retail, owner-occupied or investment.

Offices

Strata offices, whole buildings and suites.

Industrial and storage

Warehouses, factories, industrial units and storage units.

Medical suites

Consulting rooms and medical centres.

Accommodation and pubs

Pubs, hotels, motels and caravan parks: acquisitions, fit-outs and renovations through specialist lenders.

Specialised property

Childcare, service stations and other specialised assets.

Low doc commercial loans

Running a business doesn’t always leave time for paperwork. If your financials and tax returns aren’t up to date, the bank may not be able to help. Non-bank lenders on our panel offer low doc options, where you or your accountant declare your capacity to meet repayments. That gives you access to capital now, and once your returns are up to date we can look at moving you to traditional lending.

Business owners whose tax returns are behind
Self-employed borrowers with complex income
Investors needing to move quickly
Owners who want to refinance before returns are lodged

Buying commercial property through your SMSF

Many business owners buy the premises they operate from through their self-managed super fund, then lease it back to the business. SMSF lending has specific rules and only some lenders offer it. We can arrange SMSF commercial property loans and work alongside your accountant and financial adviser. Read our guide to SMSF commercial property.

How it works

Talk to us

A free 15-minute call to understand your business, your goals and your current position.

We find the structure

We assess options across 100+ bank, non-bank and private lenders and recommend the best fit.

We manage it to settlement

We prepare the application, negotiate terms and handle the lender until funds are in place.

Common questions

Do I pay for your service?

Yes. There is an engagement fee paid when you select our services, and a success fee paid on successful completion of your loan funding. We explain all fees upfront before you proceed.

How much deposit do I need for commercial property?

It depends on the property type, lender and your financials. Many lenders look for a deposit of 20–30%, and specialised property may need more. We’ll show you the options for your deal.

Can I refinance my commercial property to release equity?

Yes. Equity can be released for business purposes, further investment or debt consolidation, subject to the lender’s valuation and servicing.

Can you finance pubs, motels or caravan parks?

Yes. We have access to specialised lenders for accommodation and hospitality assets, including acquisitions, fit-outs and renovations.

Buying or refinancing commercial property?

Book a free 15-minute call. No obligation, no credit check.