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.

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 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 locations acceptable (Cat 1)
  • Minimum commercial loan is $150,000. Maximum $3,000,000
  • Interest rates from 6.50% (Comp rate 6.89% $300,000 over 30 Years)
  • 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 may 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 75% Loan to Value ratio.

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
1800 000 800 Australian Credit License Number 392727