Commercial finance across Australia
Commercial property finance for business and investment decisions
Gifted Loans helps business owners, investors and commercial borrowers consider finance for premises, commercial investment property, refinancing and other property-backed scenarios.
A simple starting point
Tell us what you need help with
Answer a few simple questions about your commercial finance needs before you speak with Gifted Loans. An estimate is fine.
Commercial property finance
Buying or financing commercial premises requires consideration of the property, borrower or entity, security and intended use. Explore the common information and lending questions that may arise.
Read the commercial property finance guide
Commercial property refinancing
Reviewing an existing commercial facility may involve the loan structure, term, security, repayments, property position and lender requirements. Understand the issues to consider before refinancing.
Read the commercial refinancing guide
Commercial property valuations
Property type, use, leases, income, location and comparable evidence may all influence a lender's valuation process. Learn how valuation information fits into commercial lending.
Read about commercial property valuationsA clear commercial lending process
How Gifted Loans helps
Understand the property and purpose
Clarify whether the finance relates to a purchase, refinance, owner-occupied premises, investment property or another commercial objective.
Review the borrower position
Consider borrower or entity structure, available financial information, commitments and the commercial purpose.
Consider property and security
Review the property type, proposed security, valuation requirements and relevant lease or tenancy information.
Compare suitable lending options
Consider lender appetite, structure, servicing requirements, terms, fees and overall suitability.
Prepare the application and next step
Organise relevant information, respond to valuation or application requirements and explain what happens next.
Preparing for commercial finance
Get the property and borrower information ready
Requirements vary, but commercial lenders may need information about the property or purchase, borrower or entity, financial position, leases or tenancies where applicable, existing lending when refinancing and valuation or security.
View the commercial property finance guideFor funding focused on business cash flow, growth or acquisition, see Business lending.
Start a commercial finance conversation
Ready to discuss your commercial property finance needs?
Book a consultation to discuss the available information and the next suitable lending step for your commercial property scenario.