Quick summary
This guide sets out practical steps to help you identify, compare and qualify for business finance in Australia. It is general information, not financial advice.
1. Map Property Value Multipliers (LVR)
Most commercial properties require significant capital contributions compared to residential. Loans generally cover 65% to 75% of asset valuation. Ensure down-payment cash or external guarantor assets are correctly positioned.
2. Check the commercial lease structure
If acquiring investments, lenders look closely at current commercial lease templates, yield percentages, tenant covenants, and vacant duration histories. Strong lease terms boost overall application serviceability.
3. Legal Due Diligence Timelines
Commercial transactions are complex, involving environment inspections, zoning, code check, and asset assessment. Allow at least 60 to 90 days in structural contract options to guarantee smooth broker settlement flows.
Australian compliance and guidelines
- No credit check is run to show you indicative options.
- Rates and terms are set by the lender, not by Bizzloans.
- We compare Australian-registered lenders on our panel.
- Your information is handled under the Privacy Act 1988 (Cth).
