Commercial Property Loans
Explore our Range of Commercial, Industrial, Office & SMSF Commercial Loans.
For over 25 years, Direct Credit are experts at helping businesses and sole traders through the steps required to secure the commercial property they want. We offer in house commercial property loans up to $3 million, and loan terms to 30 years with no annual reviews required.
We also offer a full Commercial & Corporate Brokerage service with access to all the Major Banks and Non Banks.
Contact us or click here for more information about our Commercial Mortgage Brokerage
Direct Credit's Commercial loan suite
At Direct Credit most commercial property loans are offered as traditional Full Doc, Lease Doc or Alt Doc Loans.
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
- Self Managed super fund (SMSF) for Commercial and Office securities up to 80% Lvr
- Standard Loan to Value Ratios up to 75%
- 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 & Regional locations acceptable
- Minimum commercial loan is $150,000. Maximum $3,000,000
- 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. SMSF Commercial Property Loan refinances available (Dollar for Dollar + costs only)
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Commercial Property Loans Australia
DCHLA Offers Outside-the-Box Commercial Property Loans in Australia
Direct Credit Home Loans Australia offers quick financing for businesses and individuals who need a commercial property loan 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, repayments, 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
- SMSF Commercial Loan Options available to 80% LVR
- 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.
- SMSF Loans for Residential and commercial securities.
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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JEFF HALE
3 months ago
Direct credit was recommended by a friend , Puawai and Tammy made the process so much easier than dealing with a bank directly,
Thank you.
Thank you.
Meegan
5 months ago
The process was seamless and the communication was great. We have had the pleasure of engaging Puawai and Tammy multiple times and would definately have the team help again.
Muhammad Andi
8 months ago
Selena Bulgin
12 months ago
What a great team! It has been a pleasure to deal with Direct Credit to arrange my Home Loan. This was my first home loan and they took care of all the details, keeping me informed at every stage, taking all the worries off my shoulders. Such an easy and straightforward process. Derek and his staff are nothing short of outstanding and absolutely lovely. Highly recommend them to organise your finance. Thank you!
Renee Hundt
1 year ago
Direct Credit home loans were fantastic helping us refinance to cover an ATO debt. They were super easy to deal with and would highly recommend.
Duane Joliffe
1 year ago
An amazing efficient team of people. I would highly recommend them.
Raven Wearne
1 year ago
Tammy and the team at Direct Credit guided us through every step of the journey, making the process of buying our first home smooth and stress-free. Their expertise, support, and dedication were outstanding. Highly recommend this fantastic team!
Damian Elliott
1 year ago
Best experience I have ever had dealing with a broker! Derek and Tammy went above and beyond to meet our requirements. Nothing was to hard. Great rate and quick to act. If you are after a stress-free experience Direct Credit is the way to go. Thank you again! Looking forward to doing future business with you.
Zak Hamilton
2 years ago
We have dealt with Direct Credit for many years now. We are so happy with all the guidance and support we have received. We have just refinanced and everything worked out great. Thank you Derek and Tammy!
Vanessa (Kerwin Solicitors)
2 years ago
Professionally I have had numerous dealings with Direct Credit and love how smoothly the transition of the loan process can run.
I have now had the opportunity to utilise the services of Direct Credit on a personal level and I am so appreciative of the patience and diligence given to finding the best option to furnish our home loan no matter how many times I changed the goal posts. Thank you so much in particular to Derek and Tam for my personal transaction but to all the Direct Credit Team on a professional level.
I have now had the opportunity to utilise the services of Direct Credit on a personal level and I am so appreciative of the patience and diligence given to finding the best option to furnish our home loan no matter how many times I changed the goal posts. Thank you so much in particular to Derek and Tam for my personal transaction but to all the Direct Credit Team on a professional level.
CBEAR
2 years ago
Myself and my partner had some questions and queries regarding our home loan in the future. Derek Green has been helping us and I just wanted to say thank-you, your advice has been accurate, your replies swift and you’ve been all round fantastic from the start - Derek has gone above and beyond and we will be forever grateful!
Thanks Derek, A++++!!!
Thanks Derek, A++++!!!
Ian Bailey
2 years ago
5 Star Service. Derek and Tammy are an absolute pleasure to deal with. Nothing is too much trouble and they go out of their way to facilitate a smooth and stress free process. I have purchased a number of properties over the years and this purchase has been by far the most enjoyable. I could not be happier choosing Direct Credit and highly recommend their services.
Thank you so much Derek and Tammy, you are 5 star people.
Thank you so much Derek and Tammy, you are 5 star people.
Lisa Elliott
2 years ago
I highly recommend Direct Credit Home Loans Australia to anybody looking for finance. They were great to deal with, very reliable and all of my questions were answered very quickly. I will definitely be using them again for any future purchases. Thumbs up guys!
Andrea Howgego
2 years ago
We have been dealing with Direct Credit for the past 5 years and they have been amazing. Puawai the whole team at Direct Credit have always gone above and beyond to help us and think of the best financial solutions for our family. Always achieving the best results!
Tammy communicated consistently and I always knew where the process was at.
Thank you to the whole team at Direct Credit, you have been the amazing! We are extremely grateful and thankful for all your help these last few years.
We have and will continue to recommend your services to everyone.
Tammy communicated consistently and I always knew where the process was at.
Thank you to the whole team at Direct Credit, you have been the amazing! We are extremely grateful and thankful for all your help these last few years.
We have and will continue to recommend your services to everyone.
Garry Weir
2 years ago
The most helpful and polite guys to do business with and don’t mess around to get things done 👍👍👍👍
Kim Boyle
2 years ago
I have been dealing with Direct Credit for the last 5 years this being my 2nd mortgage through them. The staff have always been exemplary in their professionalism but also treat you like they would family which is how I am privileged to feel. I have had the pleasure of having Puawai Herewini as my bank manager along with Katie and Tammy the client services manager and team. This last loan was a separation settlement and I honestly don't know what I would've done without them. With all of the previous stresses of the last couple of years and work changes I left everything thing quite late and the team just batted together and made it happen in such a short time frame, I am so very grateful.
The support often on a daily basis I have received is well above their designated job descriptions as I said feel like part if the Direct Credit family everyone has been absolutely fantastic always going above and beyond helping me through this long drawn out situation. Again I can't thank you all enough!!! Derek you have the dream team working for you, they have yet again smashed it out of the ball park. So very relieved to have settled today and will definitely as I already do be recommending your companies services to everyone. Thank you all so very much again.
The support often on a daily basis I have received is well above their designated job descriptions as I said feel like part if the Direct Credit family everyone has been absolutely fantastic always going above and beyond helping me through this long drawn out situation. Again I can't thank you all enough!!! Derek you have the dream team working for you, they have yet again smashed it out of the ball park. So very relieved to have settled today and will definitely as I already do be recommending your companies services to everyone. Thank you all so very much again.
Dwayne Smith
2 years ago
Without any doubt these guys are the Home Loan 'A TEAM'. I had a really bad experience with Mortgage Choice which resulted in my finance falling over at the last stage due to the broker I was using.
My brother put me onto Direct Credit and the team of Derek, Puawai, Tammy & Katie, they went above and beyond to secure me finance approval to build my new home.
Thankyou all sooooo much 🙏
My brother put me onto Direct Credit and the team of Derek, Puawai, Tammy & Katie, they went above and beyond to secure me finance approval to build my new home.
Thankyou all sooooo much 🙏
Zoe Smith
2 years ago
We couldn’t have asked for a better experience as first home buyers. Derek, Tammy & Katie were very knowledgeable & involved us in the entire process. We would definitely work with them again.
Mitchell Robson
2 years ago
The team at direct credit have been great!!! Such a stream line process and give the best options possible. Always transparent and give up to date info asap! Derek has been in the industry for a many years and it shows. Any Hick ups or troubles,,,, no stress he has it covered!
Thank you direct credit
Thank you direct credit
marilou capili
2 years ago
Craig Richardson
3 years ago
Heather and Tammy were excellent at Direct credit, they handled a complex multi-loan multi-bank refinance professionally and efficiently, achieving a great outcome for us.
jason bell
3 years ago
A pleasure doing business with the team at Direct Credit
Masters in guidance through what can be a minefield of qualification
Masters in guidance through what can be a minefield of qualification
Heather Ross
3 years ago
Awesome - Puawai, Tammy, Heather and Derek. So patient and understanding. They go above and beyond!
Narelle Buller
3 years ago
Excellent service, great communication and always available to answer any questions. Very happy with our experience
Angus Bland
3 years ago
The team at Direct Credit were so helpful, friendly and efficient. They helped to select the best personal option. Information was readily available all the way along. No question was too big or small! My partner and I dealt mostly with Tammy and Kate, they were both amazing. I definitely recommend Direct Credit, especially if you are a first home buyer. Thank you so much!
Nathaniel McLaren
3 years ago
Highly recommend these guys. Thanks again Heather & Tammy!
Tod Oakroot
3 years ago
Derek and Tammy from DCHLA were extremely helpful and ensured the whole home loan process was as simple as possible with great communication and a caring approach.
Couldn't recommend them highly enough!
Couldn't recommend them highly enough!
sarah jambia
3 years ago
Rodney Searston
3 years ago
We found ourselves in a difficult situation and the team from Direct Credit Home Loans found us an avenue which has allowed us to move forward. Puawai did his absolute best working with us and our accountant; the follow up from Tammy and Katie was awesome. This is our second loan with Direct Credit Home Loans and I'm sure it won't be the last. Thank you so much guys.
Sue Chapman
4 years ago
These guys are absolutely amazing! I would almost pay higher interest rates to be with these guys, almost! Fortunately, though, they are able to achieve the best outcomes for their clients. They work so hard to do this. I am so impressed!
The personal service not only through the loan process, but with ongoing support, is second to none. Would be very disappointed with anyone else after being so well looked after by these guys 🙂
The personal service not only through the loan process, but with ongoing support, is second to none. Would be very disappointed with anyone else after being so well looked after by these guys 🙂
Steps to your Commercial Property Loans
1. Am I eligible for a 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
2. Know your loan capacity
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
3. 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.