General information only. Finance is subject to lender criteria, assessment, terms and approval.
Purpose-ledStart with the transaction
TransparentConsider cost and conditions
Case by caseNo blanket promises
At a glance
Where Commercial Property Loans Australia may fit
Commercial property finance can support eligible purchases, refinances and investment strategies across a range of property types.
The suitable structure depends on the purpose, requested amount and term, borrower profile, supporting documents, security and a credible repayment or exit strategy.
Common scenarios
Purchase or refinance
A timing gap between transactions
A defined investment or property strategy
Assessment
What lenders typically review
Requirements vary, but a well-prepared request usually addresses these fundamentals.
Purpose & timing
What the funds are for, how much is needed and when the transaction needs to complete.
Financial position
Income, trading history, existing commitments, credit profile and capacity to meet the proposed terms.
Security & exit
Available security, current value and debt, plus a realistic repayment, refinance or sale strategy.
Our process
From initial conversation to an informed decision
1
Outline the request
Share the purpose, timing, amount and the background to the scenario.
2
Prepare the information
Confirm the documents and evidence a prospective lender is likely to need.
3
Review indicative terms
Consider the total cost, conditions, risks and exit strategy before proceeding.
Next step
See whether this option may suit your scenario
A short conversation can clarify the information required and the practical pathways worth exploring.
Eligibility depends on the lender, purpose, amount, term, supporting documents, financial position and any proposed security. An enquiry is not an approval.
What will the finance cost?
Rates, fees and other costs vary by lender and risk. Review the complete indicative and final terms, not just the headline rate.
How long does assessment take?
Timing depends on the complexity of the transaction, the lender and whether complete information is available. Approval and settlement timeframes are not guaranteed.
Will alternative documentation be considered?
Some lenders consider alternative evidence for selected scenarios. Requirements still apply, and the lender must be satisfied with the request and repayment pathway.
Indicative product matrix
Commercial Property Loans Australia — lending parameters at a glance
A practical starting point for discussing your scenario. These are indicative market parameters, not an offer or approval.
Why Zip Funding is different
We are not a bank. We assess the deal, not just the scorecard.
Private lending for business and property transactions that need judgment, flexibility and a bespoke structure.
Zip Funding works exclusively in the private lending space. We are people in business helping people in business and property, and we take time to understand the complete story behind every proposal.
Credit issues, tax debt, limited or unavailable financial statements, unusual security and urgent timeframes can still be considered. We assess the security, purpose, current circumstances, repayment capacity and credible exit strategy, then present the transaction to suitable private investors and non-bank lenders.
Our position is clear.A proposal should be judged on its individual merits — not rejected simply because it falls outside standard bank policy.
Individual assessmentEach transaction is considered on its complete merits, not automatically declined by a standard scorecard.Credit issues consideredDefaults, arrears, tax debt and previous bankruptcy can be explained and assessed in context.Alternative evidenceBank statements, BAS, leases, contracts, valuations and asset position may support the application.Bespoke funding structureWe shape the proposed term, security and repayment pathway around the actual transaction.200+ funding relationshipsAccess to private investors and non-bank lenders with different mandates and risk appetites.Competitive private termsWe seek suitable pricing and conditions for the circumstances, security and required timeframe.Clear before proceedingProposed rates, fees, conditions and required information are explained before commitment.Practical communicationClear updates, realistic expectations and urgent scenarios prioritised where possible.
Tell us the complete story.We will identify the information required and discuss which private funding pathways may fit.
Approval, pricing, LVR, fees, conditions and timing remain subject to the selected lender, valuation, documentation and funds availability.
Indicative leverage / LVR
Up to 80% for selected commercial-property scenarios. Property type, lease profile and location can reduce the available LVR.
Indicative loan amount
$250,000 to $100 million+ across specialist, private and mainstream lender options.
Typical term
Short-term bridging through to longer-term commercial facilities.
Security
Office, retail, industrial, warehouse, medical, childcare, hospitality and other acceptable commercial property.
Bad credit or adverse history
Credit issues do not automatically rule out a proposal. Defaults, arrears, tax debt, discharged bankruptcy and other credit events are assessed in context and on their individual merits.
Limited or no financial statements
A lack of full financial statements does not automatically rule out a proposal. Selected lenders may consider bank statements, BAS, leases, contracts, valuations, accountant information, asset position and a credible exit strategy.
Repayment or exit
Rental income, business cash flow, refinance or sale.
Assessment focus
Lease strength, vacancy risk, property marketability, borrower experience and servicing evidence are considered.
Timing
Indicative approval timing depends on valuation, documents, lender capacity and transaction complexity. Urgent scenarios can be prioritised.
Flexible assessment when the application is not bank-standard
For Commercial Property Loans Australia, the outcome depends on the complete scenario rather than one number. Zip Funding can present transactions to lenders that consider credit impairment, tax debt and limited financial statements, provided the security, purpose, repayment capacity and exit strategy are credible. The available LVR, pricing and conditions will vary with lender policy and the applicant’s circumstances.
Credit events are explained in context, including what happened and what has changed.
Alternative evidence can be used where full financial statements or tax returns are unavailable.
Higher-LVR requests need stronger security, a credible exit and a lender whose policy fits the transaction.
Rates, fees, valuation requirements and conditions are confirmed before proceeding.
Important: LVR means the loan amount as a percentage of the lender-accepted value of the security. All figures are indicative only. Eligibility, maximum LVR, loan amount, security, valuation, documents, credit checks, rates, fees, terms, timeframes and approval vary by lender and applicant circumstances. Independent legal, tax and financial advice may be appropriate.
Commercial Property Finance Built Around the Asset
Finance for acquisitions, refinances, equity release, urgent settlements and commercial-property opportunities that need more than a standard bank scorecard.
Zip Funding assesses the property, tenancy, borrower, total debt, servicing evidence, timing and exit—then identifies an appropriate bank, non-bank or private-credit pathway.
One enquiry. Direct scenario assessment. No obligation.
Commercial and business-purpose finance only unless expressly stated. All figures are indicative and subject to lender policy, valuation, documentation and formal approval.
Commercial acquisitionPurchase an investment or owner-occupied property.Up to 80% LVR in selected cases; commonly lower.Rental income, business cash flow or refinance.
Commercial refinanceReplace debt, extend term or restructure facilities.Leverage reflects accepted value, income and conduct.Ongoing servicing, longer-term refinance or sale.
Equity releaseAccess equity for an eligible business or commercial purpose.Total secured debt and use of funds are assessed.Business cash flow, refinance or asset sale.
Commercial bridgeUrgent settlement, delayed sale or temporary refinance gap.Usually short-term with interest-servicing or retained-interest options.Property sale, refinance or another evidenced event.
Lease-doc financeIncome-producing property with strong lease evidence.Lease coverage, tenant quality and expiry profile matter.Rental income and refinance.
Alt-doc commercialSelf-employed borrower with limited current financial statements.Bank statements, BAS, leases and asset evidence may support assessment.Business cash flow or refinance.
Second mortgageAdditional capital while an acceptable first mortgage remains.Combined LVR, consent, priority and exit are critical.Refinance, sale or business event.
Private commercial loanTime-sensitive, complex or non-bank-standard transaction.Pricing and leverage reflect risk, security and term.Sale, refinance, settlement or verified cash event.
*Up to 80% LVR is a maximum headline position for selected commercial-property transactions. Many assets, locations and borrower profiles have materially lower limits. Facility size, term, rates, fees, valuation, documentation and timing vary by lender and scenario.
What lenders assess
Six connected questions determine whether the structure works.
01
Property
What is it, where is it and what value will the lender accept?
02
Tenancy
Who occupies it, on what lease terms and with what vacancy risk?
03
Borrower
Who is borrowing and what experience, entities and credit history apply?
04
Leverage
What existing and proposed debt sits against the accepted value?
05
Servicing
What rental or business cash flow supports interest and repayments?
06
Exit
How will the facility be repaid if it is short-term or transitional?
When the application is not bank-standard
Complex does not mean unfinanceable. It means the evidence must be stronger.
Specialist lenders can apply judgment, but they still require a credible commercial rationale, acceptable security and a realistic repayment path.
Credit history
Defaults or Arrears
Credit events may be considered with an explanation of cause, current conduct, equity and exit.
ATO position
Tax Debt
Selected lenders may consider refinance or consolidation where the purpose and broader position are credible.
Evidence
Limited Financials
Bank statements, BAS, leases, contracts, accountant information and asset position may support an alternative pathway.
Property
Vacant or Specialised Security
Lower leverage and stronger exit evidence often apply where income or market depth is limited.
Timing
Urgent Settlement
Complete information, valuation access and legal readiness are essential when the deadline is compressed.
Structure
Complex Entities
Trusts, companies, related-party security and layered ownership require clear legal and beneficial-owner information.
Choosing the lending pathway
Bank, non-bank and private credit solve different problems.
Mainstream commercial finance
Best suited to
Stable income, complete financials, conventional property and flexible timing.
Assessment emphasis
Serviceability, lease income, borrower financial strength and policy compliance.
Typical advantage
Potentially lower long-term pricing where the transaction fits policy.
Typical limitation
Longer assessment, stricter documentation and limited tolerance for unusual features.
Specialist & private credit
Best suited to
Urgent, transitional, alternative-doc or non-standard commercial scenarios.
Assessment emphasis
Security, leverage, purpose, risk mitigants and a credible exit.
Typical advantage
Faster judgment and greater flexibility around structure and evidence.
Typical limitation
Higher cost and shorter terms can apply, making exit planning essential.
Information that improves the answer
A concise, complete file receives a clearer credit response.
Property & transaction
Start with enough information to understand the asset and why finance is required.
Property address and type
Purchase price or estimated value
Current debt and lender
Lease schedule or occupancy
Amount and purpose
Required settlement date
Valuation or agent evidence
Proposed repayment or exit
Borrower & servicing
The exact evidence depends on whether the pathway is mainstream, lease-doc, alternative-doc or private credit.
Entity and ownership structure
Financial statements
Tax returns or BAS
Business bank statements
Existing loan statements
Assets and liabilities
Credit-event explanation
Contracts or refinance evidence
Assessment pathway
From property scenario to informed terms.
01
Outline the Transaction
Provide the property, amount, purpose, timing, debt position and intended exit.
02
Map the Credit Position
We identify the valuation, documents and lender questions that materially affect the structure.
03
Compare Suitable Pathways
Bank, non-bank and private options are considered against timing, cost, flexibility and approval risk.
04
Proceed with Clarity
Indicative terms, conditions, fees, valuation and legal requirements are reviewed before commitment.
ZFCommercial property desk
Why Zip Funding
One commercial-property brief. Multiple credit pathways.
Rather than sending the same scenario to unrelated lenders, Zip Funding shapes the transaction around the property, borrower, evidence and exit—then approaches funding sources whose mandate fits the actual risk.
Direct scenario assessmentBank, non-bank and private optionsAlternative evidence consideredCredit issues assessed in contextAustralia-wide lender relationshipsClear conditions before commitment
Commercial property assessment
Get a direct indicative view of the transaction.
Include the property address, estimated value or purchase price, existing debt, amount required, use of funds, lease or occupancy position, timing and proposed exit.
Submitting an enquiry does not create an obligation, approval or offer of finance.
Frequently asked questions
Commercial property finance, explained clearly.
What is a commercial property loan?
It is finance secured by property used for investment or business purposes, including office, retail, industrial, warehouse, medical, childcare, hospitality and selected mixed-use assets.
What LVR may be available?
Up to 80% LVR may be possible in selected scenarios. Many commercial properties have lower maximums depending on location, tenancy, use, valuation, borrower strength and lender policy.
Can I finance an owner-occupied commercial property?
Potentially. Lenders assess the property as well as the operating business, financial position and capacity to service the facility.
Can lease income support the loan?
Yes. Lease income can be central to assessment, with attention to tenant quality, lease term, expiry profile, incentives, outgoings and vacancy risk.
Are alternative-documentation options available?
Selected lenders may consider bank statements, BAS, leases, accountant information and other evidence where full current financial statements are unavailable.
Can vacant commercial property be financed?
Potentially, although lower leverage, holding-cost evidence and a credible leasing, occupation, sale or refinance strategy commonly apply.
Can adverse credit or tax debt be considered?
Yes, in selected scenarios. The cause, current position, repayment conduct, security, commercial purpose and exit are assessed together.
Can equity be released from commercial property?
Potentially, where the total secured debt, accepted value, use of funds and repayment position are acceptable to the lender.
How quickly can commercial property finance settle?
Timing depends on valuation, documents, legal requirements, lender capacity and complexity. Urgent private-credit scenarios can be prioritised, but timing is not guaranteed.
Can an existing first mortgage remain?
Potentially. A second-mortgage structure may be considered subject to combined leverage, consent or priority requirements, equity and exit.
What costs should be considered?
Costs may include interest, establishment or brokerage fees, valuation, legal expenses, due diligence and discharge costs. All proposed costs should be reviewed before proceeding.
How is a short-term commercial loan repaid?
Common exits include property sale, refinance to a longer-term facility, business cash flow, settlement proceeds or another evidenced commercial event.
Commercial property desk
Strong property helps. A complete credit story gets the transaction through.
Share the asset, numbers, timing and exit. We will explain which commercial finance pathways may be realistic and what evidence is needed next.
