We work closely with you and, where needed, your accountant, lawyer and financial adviser to put the right mix of funding in place. Whether you’re buying your own premises, investing in commercial property or restructuring existing debt, our focus is simple: commercial finance that actually works for your business in the real world — not just on paper.
At Loanworx, we know that commercial lending is about more than just ticking boxes on a form. It’s about understanding how your business really works — your cash flow, your growth plans, your risks — and structuring commercial loans Melbourne around that reality.
We take the time to understand what stage your business is at, what you’re trying to achieve over the next three to five years, how much flexibility you need and what security you have now (and after the purchase). From there, we help you design a finance strategy that supports your plans rather than holding you back.
If your plans also involve your personal lending, our Home Loans team can help you see how everything fits together across your business and home finances.
Many business owners and investors come to us for commercial loans in Melbourne at key turning points in their business or investment journey.
Common reasons include:
Deciding to move from renting to owning your own commercial property is often one of the biggest financial decisions you’ll make for your business. The right loan structure can make that decision work much better for your cash flow and long-term plans.
Planning your commercial finance early can make major decisions much easier. Understanding your borrowing capacity, likely terms and key conditions upfront helps you avoid surprises later and puts you in a stronger position when an opportunity appears.
By acting now, you can review your existing loans, explore options to improve your structure, and be ready to move when the right property or business opportunity comes along. You’ll also have a clearer view of how repayments, fit-out costs, GST, duty and other expenses fit into your broader cash flow.
If you’d like to get a rough feel for numbers before we speak, you can use the tools on our Financial Calculators Australia page, then we’ll walk through the details together based on your actual situation.
Commercial loans in Melbourne can help you grow, stabilise or reposition your business — but, like any major finance decision, it’s important to understand the upside and the things to watch.
For general information about how GST applies to commercial property, you can refer to the ATO’s guide on GST and commercial property. For land transfer (stamp) duty in Victoria, the State Revenue Office Victoria explains current rules and calculators.
Always speak with your accountant and legal adviser for advice specific to your situation.
It’s important to us that we offer a wide range of lender options when we talk about commercial loans Melbourne. With access to major banks and a broad panel of specialist commercial lenders, we can compare your current bank against other options and tailor a structure that works for your cash flow, security and long-term strategy — not just the bank’s default settings.
If your purchase also involves new machinery, vehicles or other income-producing assets, we can look at Vehicle and Eqipment Finance alongside your commercial property loan so everything works together.
Securing the right commercial loan isn’t just about filling in an application form — it’s about having a clear, well-thought-out plan for your business and your finance.
We discuss your business, current loans, goals and any property or investment plans you’re considering.
We review your financials, security and cash flow to understand your borrowing capacity and identify suitable commercial loan structures.
We approach appropriate lenders, compare terms and present you with shortlisted options in clear, simple language so you can choose with confidence.
We prepare and lodge your application, liaise with the lender and your professional advisers, and support you right through to settlement — and beyond.
Commercial loans can be used for buying your own premises, investing in commercial property, refinancing existing business debt, funding fit-outs, purchasing a business, or supporting working capital and cash flow. We’ll help you match the right loan type to your specific goal.
Your borrowing capacity depends on business performance, existing debts, proposed security, lease income (if any) and how lenders view your industry and risk profile. We’ll run the numbers upfront so you know what’s realistic before you commit.
Yes. Commercial loans often have lower LVRs, different terms and conditions, and may be assessed differently across lenders. We’ll explain how this affects equity, repayments and risk for your situation.
In many cases, yes. Some structures allow you to keep your everyday banking where it is while using another lender for your commercial loan. We’ll explain the pros and cons of staying with your current bank versus moving.
For most commercial purchases and restructures, having an accountant and a lawyer involved is strongly recommended. We’re happy to work with your existing advisers or, if you don’t have them in place, connect you with trusted professionals.
If you’re considering commercial loans in Melbourne — whether for your own premises, an investment or a restructure — now is a good time to explore your options and put a clear plan in place.
It’s what we do best. Call us now on 1300 562 696 or fill in the below form to speak to one of our highly skilled brokers.
Level 15/412 St Kilda Rd
Melbourne VIC 3004
Loanworx Group Pty Ltd as trustee for Loanworx Group Trust and brokers representing it, are credit Representatives of Loanworx Group Licencing Pty Ltd (Australian Credit Licence number 495267). Please note, we adopt best practice regarding Australia’s privacy legislation. Your contact information will be collected by us and by our aggregator, and its subsidiaries and related businesses. We use this information to stay in contact and provide our services to you, and we may also use your information to offer or provide you with additional products or services or ask for your feedback. We may not be able to assist you if we do not have your current contact information. We may need to disclose your information to our associates, contractors, and service providers, who may be overseas. Our Privacy Policy available at www.loanworx.com.au contains information about how you can access your personal information and request corrections or complain if you are dissatisfied with how we have dealt with your personal information.
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