Commercial Loans Melbourne

Ready to Stop Renting and Buy Your Own Premises?

Congratulations on making the decision to move from renting to owning your own commercial property. It’s a big step—but where do you start when it comes to finance?

Your bank may only offer up to 65% of the purchase price, but is that enough to cover everything? Have you factored in:

• GST and government fees
• Capital expenditure required on the property
• The impact of a 15-year loan term on your business cash flow

These are the real-world challenges every business owner faces when financing their own premises.

Commercial Finance Experts with Over 30 Years’ Experience

At Loanworx, we have more than three decades of experience in commercial finance. We’ll work closely with you, running through the numbers in detail to design the best loan strategy for your business.

We have access to all the major banks plus a wide panel of specialist commercial lenders who can offer:

• Loans up to 80% of the purchase price
• Loan terms of up to 30 years to ease cash flow pressures
• Flexible lending options that don’t require you to move your main business banking
• In some cases, approvals without the latest financials or tax returns

Tailored Solutions for Your Business

Our approach is client-first:

• Understand what’s important to you and your business goals
• Review your full financial position
• Decide together whether to engage your current banker as part of the review
• Prepare and present the strongest proposal to secure your finance quickly and efficiently

Why Choose Loanworx for Commercial Property Finance?

• Over 30 years of commercial finance expertise
• Access to banks and specialist lenders others may not consider
• Flexible, long-term loan structures to improve cash flow
• A hands-on, solution-focused approach

Finance Solutions for First-Time and Experienced Investors

Looking to purchase your first or next commercial property investment? Not sure how much you can borrow, or how lenders will assess your income streams? These are common challenges for commercial property investors, particularly when:

• The property has multiple tenants with varying lease terms
• Lenders have tightened policies since COVID-19, especially for retail and office properties
• Your financial structure is complex, making it harder for banks to assess your position

At Loanworx, we understand these challenges and provide tailored finance solutions to suit your investment strategy.

How Loanworx Helps Commercial Property Investors

Our experienced brokers have the expertise and tools to:

• Review your full financial position, no matter how complex your structure is
• Analyse multiple tenanted properties and calculate income the way lenders require
• Approach multiple lenders on your behalf to compare terms and interest rates
• Present you with the best commercial loan options available for your circumstances

Some lenders on our panel can even make assessments based on the lease agreement alone, saving you from having to provide extensive documentation.

Wide Panel of Lenders for Better Outcomes

With access to both major banks and a broad range of specialist commercial lenders, we maximise your chances of securing:

• Highly competitive loan terms
• Flexible structures to suit your investment strategy
• Lenders willing to support more complex property scenarios

Why Choose Loanworx for Commercial Investment Finance?

• Decades of experience in commercial property lending
• Strong lender relationships and inside knowledge of their policies
• Tailored solutions for both simple and complex investment structures
• A proactive, hands-on approach to securing finance quickly and efficiently

Better Deals, Better Structure, Better Results

Just like the global economy is constantly shifting, so too are the commercial loan offers available from lenders. While the major banks may seem like the natural first choice, there are often specialist lenders and alternative options that could better support your long-term business goals. At Loanworx, we help you explore every opportunity to ensure you’re not leaving money on the table.

Why Refinance Your Commercial Loan?

Refinancing your existing commercial loan can deliver benefits such as:

• Lower interest rates and reduced repayments
• Improved loan terms to ease cash flow
• Access to additional capital for business growth or investment
• More flexible structures tailored to your business strategy

Expert Brokers Who Understand Business

Our specially trained and trusted commercial finance brokers know that no two businesses are the same. That’s why we avoid a cookie-cutter approach. Instead, we:

• Take time to understand your unique business and financial goals
• Quickly identify opportunities for a better deal
• Negotiate directly with lenders on your behalf
• Present a better structured, more affordable, and more suitable loan option

Stress-Free Refinancing Process

From identifying the right loan through to finalising settlement, we take care of the entire process—including all the paperwork. You get the peace of mind of knowing your refinancing is in expert hands, while saving time, money, and hassle.

Why Choose Loanworx?

• Access to major banks and a wide range of specialist commercial lenders
• Decades of experience in commercial loan refinancing
• Tailored solutions for unique businesses and transactions
• A hands-on approach that puts your business needs first

Funding Solutions for Property Developers

Whether you’re an experienced property developer or starting your first project, every development—whether it’s 3 units or 100—comes with unique challenges. Securing finance is often one of the biggest hurdles.

Many major banks will only support their existing clients, while private lenders can be expensive and sometimes difficult to assess for credibility. Making the wrong choice could be a costly mistake. Once your feasibility study is complete, where do you start?

Why Engage Loanworx Early?

At Loanworx, our experienced commercial finance brokers know that early engagement is critical. Holding costs can quickly erode profit, so structuring your finance correctly from the start is essential.

We work with a wide panel of lenders across residential and commercial development finance, including:

• Major banks and non-bank lenders
• Private lenders for more flexible funding
• Specialist funders offering mezzanine finance where traditional lines are full or pre-sales are not required

Development Finance Options

Depending on your project, lenders may assess funding based on:

• A percentage of construction costs
• The gross realisation value (end value)
• Pre-sales requirements (if any), which are often scrutinised to meet lender policies

By comparing multiple lenders, we help you secure the most competitive structure for your development project.

Our Process

• Initial review – starting with your feasibility study
• Documentation list – we provide a tailored checklist to prepare your application
• Assessment – we establish feasibility, repayment strategy, or ongoing servicing capacity
• Financial proposal – a detailed lender-ready proposal is prepared on your behalf

Please note: there is usually a fee for this service, which varies depending on the complexity of your project.

Why Choose Loanworx?

• Access to banks, non-banks, private lenders, and mezzanine funders
• Decades of experience in development finance
• Solutions tailored to both first-time and experienced developers
• Maximise your chances of success with competitive structures and terms

Get Started on Your Next Project

If you’re ready to explore funding for your next development, contact Loanworx today. We’ll guide you through the process and help secure the best possible outcome.

Secure the Right Finance for Business Growth

Looking at a business acquisition, merger, or management buyout to grow your business? These major investments often require restructuring your borrowing arrangements or taking on extra debt. Even if you’re already in business, it’s worth reviewing your current loans—your lender may have adjusted rates or products over time, leaving you paying more than necessary. Many banks assume you won’t move, which can cost you thousands in unnecessary interest.

Why Loanworx for Acquisition & Merger Finance?

At Loanworx, we understand that buying or merging a business is a significant step. Our commercial finance experts will:

• Review your current borrowing to identify savings and better structures
• Explore alternative lenders who may offer sharper rates or terms to win your business
• Negotiate tailored finance packages suited to your acquisition, merger, or restructure needs
• Provide ongoing support—so you’re not left re-explaining your business every time your bank changes Relationship Managers

Tailored Business Finance Solutions

Every transaction is unique, which is why we build custom finance strategies. Depending on your situation, we may combine multiple funding methods to achieve the right balance of:

• Equity contribution
• Security requirements
• Repayment terms

We regularly assist with:

• Purchasing an equity share in a professional practice
• Buying into a franchise business
• Full business acquisitions and management buyouts

A Long-Term Partner for Your Business

At Loanworx, we don’t take a one-size-fits-all approach. We work closely with you to understand your goals, then structure finance that supports your growth while managing risk. If your service from your current bank has slipped, or you feel you’re not being given a fair hearing, we can introduce you to experienced bankers and lenders who value your business.

Cash Flow Finance Solutions to Keep Your Business Moving

Cash flow is the lifeblood of every business and critical to long-term survival. When cash flow stalls, so does growth. If you’re struggling to pay suppliers, fund new projects, or take on lucrative contracts, it can distract you from running your business—and potentially cost you significant income.

Common causes of cash flow pressure include:

• Over-expansion without adequate capital
• Excess stock orders tying up funds
• Poor debtor collections
• Unexpected bills or tax obligations

That’s why every business needs a solid Plan B for working capital.

How Loanworx Can Help With Business Cash Flow

At Loanworx, our team of expert commercial finance brokers can review your business structure, budgets, and forecasts to determine the right level of working capital for your operations. We then help you access the most cost-effective finance solution tailored to your trade cycle.

Our advice often includes strategies to:

• Improve supplier terms
• Better manage customer payments
• Smooth out cash inflows and outflows

Flexible Cash Flow Finance Options

Depending on your needs, we can arrange:

• Overdraft facilities – short-term support for day-to-day expenses
• Trade finance – funding to pay overseas or local suppliers
• Invoice finance – unlock cash tied up in unpaid invoices
• Letters of credit – secure payment guarantees for international trade

Each option has unique benefits. We work alongside you and your accountant to find the best combination of solutions based on your industry, terms of trade, and cash flow cycle.

Short-Term and Long-Term Support

Whether you need finance for a one-off project or ongoing support to stabilise your business, Loanworx can tailor a cash flow finance strategy that ensures you have the funds available when you need them.

👉 Don’t let cash flow challenges hold your business back. Contact Loanworx today to explore the right working capital solution for your business.