Commercial finance Australia wide starts with a clear view of the asset, the purpose of the loan and how it will be repaid. Northwest Commercial Finance helps Australian business owners and project sponsors explore private funding for property-related commercial opportunities.
Commercial finance Australia: property loans built around your next move
A property purchase, a refinance and a short-term funding gap each need a different approach. We start with the transaction itself: what you are trying to achieve, the security available and the time you have to work with. This gives the funding discussion a practical foundation before a facility is considered.
If you are comparing commercial property loans in Australia, look beyond the headline rate. The loan term, fees, repayment structure and conditions for releasing funds all affect whether finance fits your business plan. Private commercial finance may offer an alternative where a transaction needs individual assessment, subject to the lender’s criteria.
A clear purpose and a workable exit
For short term commercial loans, the repayment plan matters from the outset. A proposed property sale, refinance or other repayment source needs realistic timing and supporting evidence. We discuss your proposed exit alongside the property and borrowing structure, rather than treating it as a detail to resolve later.
What to include in your enquiry
Send the property address and type, estimated value, amount required, business purpose and details of existing secured loans. Include your ownership structure, preferred timeframe and proposed repayment strategy. These details help us understand the opportunity and identify what further information may be needed.
Property types and commercial refinancing
Commercial property transactions can involve offices, warehouses, industrial premises, retail property or mixed-use assets. Each property presents a different mix of location, condition, occupancy and future use. Include those details in your enquiry so the assessment starts with the actual security and transaction. The suitability of a particular asset depends on the proposed facility and lender criteria.
For a refinance, explain why you want to replace the existing facility and when it expires. Provide the current balance, repayment history and any payout or discharge requirements available to you. If the property is being improved or repositioned, explain the work planned and how that affects value, income and your proposed exit. A refinance needs a practical transition between the existing loan and any new funding.
Understanding costs and supporting documents
Ask for a clear explanation of interest, establishment fees, valuation costs, legal expenses and any ongoing charges relevant to the proposal. Check when payments are due, whether interest is paid regularly or treated another way, and what happens if the repayment date changes. Compare the total cost over the expected loan term alongside the amount of usable funding, rather than relying on a headline rate alone.
Supporting documents may include identification, company or trust details, property information, an existing loan statement and evidence supporting the repayment strategy. The documents requested will depend on the transaction. Start with an outline of what you have available; our finance application process explains the next steps. Do not send sensitive documents through the general website form unless an appropriate channel has been agreed.
Commercial finance questions
Is commercial finance the same as construction finance?
Commercial finance covers a range of business-purpose transactions. Construction finance focuses on the building phase and may involve staged drawdowns. If your funding need includes a build, explore our construction finance page.
Can you assess a transaction outside standard bank criteria?
We can discuss whether private funding is appropriate for your circumstances. Available options depend on the property, loan purpose, borrower position and repayment plan. A bank decline does not guarantee an alternative approval.
Discuss your commercial funding needs
Tell us what you are planning and the amount you need. Contact Northwest Commercial Finance or call 1800 228 328. For projects that begin with land and planning, see property development finance and our funding process.
Finance is subject to assessment, lender criteria and the terms of any formal offer. An enquiry is not approval or a commitment to lend.