Commercial Property Loans

Direct Credit are experts at helping businesses and sole traders through the steps required to secure the commercial property they want. We offer commercial property loans up to $3 million and loan terms to 30 years, with no annual reviews required.

At Direct Credit most commercial property loans are offered as traditional Full Doc Loans or Alt Doc Loans.

We also offer Commercial loans through Major Banks and non bank lenders through our Brokerage – Call us Today to find out more.

Tailored commercial property loans

  • Loan Terms up to 30 years with no annual reviews – Set and forget
  • Interest Only Loans of up to 5 year terms available
  • Loans for Commercial Owner Occupied Property or Commercial Investment Property
  • Loan to Value Ratios up to 70% (And up to 80% with some institutions  – Call for a quote)
  • Shops, Offices, Industrial Units, Factories, Warehouses & Workshops, Mixed Residential & Commercial Use
  • Purchasing or Refinancing
  • Unlimited cash out on refinances for Debt Consolidation, Business Debts, Cash Flow, ATO Tax debts or any worthwhile purpose.
  • Major metro locations acceptable (Cat 1)
  • Minimum commercial loan is $150,000. Maximum $3,000,000
  • Interest rates from 4.55%
  • Alt Doc Loans require either your last two Business Activity Statements or your accountant can sign a Declaration of Affordability.

I have an impaired credit history. Can I still take out a loan?

This depends on your circumstances. Some credit impairments will be acceptable. Give us a call on 1800 000 800 (free call number) for a no-obligation confidential chat with one of our commercial experts.

Do you offer refinance?

We offer unlimited cashout and debt consolidation for refinances of acceptable commercial security. Loans to refinance commercial properties in metro locations are available for Full doc and Alt doc borrowers up to 70% Loan to Value ratio.

Commercial Property Loans Australia

DCHLA Offers Outside-the-Box Commercial Property Loans in Australia

Direct Credit Home Loans Australia offers quick financing for small businesses and individuals who need commercial property loans in Australia. The factors that determine whether you will be approved for a commercial property loan are a little different than a regular home loan and the requirements can be somewhat more demanding. Commercial property lenders look at a variety of financial aspects such as credit checks, down payments, property appraisals, and more. At DCHLA, we look at the big picture. That means that even if you can’t get financed through the bank, you may still qualify for a loan with us.

The Importance of Alternative Commercial Property Finance in Australia

DCHLA helps businesses and sole traders navigate the steps needed to secure the property they want. Our commercial property loans are available in amounts up to $3 million and with loan terms of up to 30 years – no annual reviews required. Some of the benefits of our commercial property loans include:

  • Options for owner-occupied and commercial investment properties
  • A variety of uses including shops, factories, warehouses, industrial use, and mixed residential and commercial uses
  • Refinancing or purchasing
  • Commercial property loan rates in Australia from 4.55%
  • Alt-doc loans available
  • Certain credit impairments acceptable

Related Services We Provide to Commercial Property Loans in Australia

Along with commercial property loans, we also offer a range of loan products that cater to those with unusual circumstances such as being self-employed or those with a challenging credit history.

  • Low-doc home loans. We offer solutions that make sense for self-employed Australians. We see this important group as deserving of financing to help them achieve their goals. That’s why we have alternative requirements that allow us to approve more people for the loans they need.
  • Credit-impaired loans. Not everyone fits into the bank’s rigid box. We’ll get the whole story before making our decision. As such, we are often able to work with borrowers who have had credit issues in the past.
  • Car and equipment loans. We offer low-doc and full-doc loans through our partners for vehicles and equipment including new and used cars, trucks, motorcycles, caravans, boats, business vehicles, forklifts, earthmoving equipment, machinery, and office equipment.
  • Personal loans. Applying for a personal loan of up to $35,000 is simple and quick with a 100% online application, no hidden fees, and flexible payment options managed completely online.

If you need a loan and the bank says no, contact us. We often say yes when the bank won’t.

Why Trust Direct Credit Home Loans Australia Regarding Commercial Investment Property Loans

While the bank may automatically reject anyone who doesn’t check off all their boxes, we take a different approach by using real people to assess a person’s situation and make the decision about whether or not to approve them for a loan. We don’t just look at numbers – we look at people and make fully-informed loan decisions. Give us a call on Freecall 1800 000 800 to discuss your options or start your application right away to get closer to your dream of commercial property ownership.

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Steps to your Commercial Property Loans


Am I eligible for a commercial loan?

  • LVR up to 75%
  • Full doc and Low doc options
  • Metro locations only – call us to check your commercial location
  • Minimum loan size $150,000 – Maximum $3,000,000
  • Lease doc option available (Income verified by current lease to service debt)
  • Sound credit history – Some credit blemishes acceptable
  • Refinance – Unlimited cash out – Unlimited debt consolidation – Purchases
  • No credit scoring – Real people make decisions tailored to suit you

How much can I borrow?

See how much you can borrow using our simple borrowing power calculator, or call one of our friendly team to get a detailed borrowing capacity over the phone today.


Book a consultation or apply online

Call us on Freecall 1800 000 800 for a no obligation chat or, if you’re ready to apply get started now.

Start your application
Direct Credit Home Loans
1800 000 800 Australian Credit License Number 392727