Grow your business with our flexible approach to commercial property loans
Whether you’re looking to grow, invest or expand your business, we’re here to help. Our commercial property loan options can be tailored with flexible loan terms (over 1-30 years), cash out options and alternative documentation options available.
Why choose a Pepper Money commercial property loan?
We're fast: Commercial loan approval within 3 business days for loans <$1.5M (if eligible)
We're flexible: Multiple loan options, if we can help, we will
We're accessible: We’re here to talk through your situation
Ready to take the next step?
- Borrow up to 80% LVR1
- Maximum loan size of $5M2
- Flexible loan terms over 1-30 years
- Flexible cash out options
- 1 year tax return full doc option available
- Alt-doc options available
- Debt consolidation, including tax debts
- 100% interest offset sub-account available
- Free online redraw (minimum redraw amounts apply)
Commercial properties we can finance
- Boarding houses
- Industrial units
- Medical suites
- Mixed residential &
commercial use properties - Residential securities
- Shop fronts & retails
- Showrooms
- Strata offices
- Vacant industrial land (hard stand)
- Warehouses
- Childcare facilities
- Student accommodation
What others are asking about commercial property loans
A commercial property loan is for small business owners or investors looking to purchase or refinance a commercial property. Just like a mortgage, they can be for a long period of time – usually up to 30 years – and can be secured against that property.
There are always options available. Non-bank lending options, like ours at Pepper Money, mean that it may still be possible to apply for a commercial property in Australia with a less-than-perfect credit score. We take a real life approach and look beyond your credit score to understand your situation and see what we can do to help.
Yes, we offer refinancing options for commercial property loans. If you’d like to chat about your options and see if we can help, simply enquire online and we’ll aim to get in touch within one business day.
The important legal bits
Information is correct as of 1 July 2024 and subject to change at any time.
Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute financial or tax advice. It is recommended that independent financial, legal and tax advice is obtained.
All applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply.
1 LVR differs across loan options, documentation types and property types.
2 Maximum $3,000,000 for residential securities.
©Pepper Money Limited ABN 55 094 317 665; AFSL and Australian Credit Licence 286655 (“Pepper”) is the servicer of loans provided by Pepper Finance Corporation ABN 51 094 317 647.
