Commercial Property Finance That Works for Your Business
Looking to secure money for your property purchases, fit-outs, or renovations? We offer fast approvals, flexible terms, and funding tailored for growing Australian businesses.
No credit check to see if you are eligibleProperty finance built to support your next move.
At SME Money, we’re all about helping businesses finance their property with confidence—whether you’re looking to buy a new space, expand your operations, or give your current setup a fresh look.
We provide flexible commercial property loans, including short-term options, equity releases, and bridging finance that are tailored to meet your specific goals.
With a wide range of lenders at our fingertips, we make the process easier so you can concentrate on what really matters—growing your business.
From the moment you apply to when you get approved, our team works quickly, ensuring you secure the funding you need without any unnecessary red tape or delays.
Let’s kickstart your next property project! So they can keep moving forward.
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Purchasing a new warehouse, office, or retail space to support business growth
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Refinancing an existing commercial property loan to access better terms or reduce repayments
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Unlocking equity in owned property to fund expansion or invest in new assets
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Bridging finance to buy a new location before selling the current premises
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Funding a commercial fit-out or renovation on an owned business space
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Securing a short-term facility to meet timing gaps in property settlement
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Buying out a business partner’s share in a jointly held commercial property
Apply Pre-Approvals Now
Get a head start on your business finance with fast, no-obligation pre-approvals.
Flexible options for any stage
Whether you’re just starting out or scaling up, we offer solutions tailored to your business needs.
Request a quote or get fast pre-approval
Choose what suits you—request a personalised quote or secure pre-approval in minutes.
Competitive products for growing SMEs
Access finance options designed to support and accelerate your business growth.
How to apply
Fast, hassle-free business funding with no upfront security—get approved and funded in as little as an hour.
- Apply in minutes
Complete your application quickly with minimal paperwork and no upfront property security required to access up to $150K from SME Online. - Get a fast decision
We’ll call you to explain the process and answer any questions
- Access your funds
Receive your funds within less than an hour from signing your loan documents
Calculate your repayments
Use SME Money Market’s loan calculator to instantly estimate your business loan repayments.
No credit check to see if you are eligibleRepayments Calculator
The results provided by this calculator are based on the information you enter and are intended for illustrative purposes only. They do not constitute a quote, credit offer, or financial advice, nor do they guarantee product suitability. SME Money Market accepts no liability for any loss or damage arising from reliance on this tool, subject to applicable laws. All applications are subject to standard credit assessment, terms and conditions, and relevant fees.
This calculator assumes a fixed annual percentage rate (APR) of 31%, with repayments covering principal and interest only, plus a 3.5% origination fee.
The results provided by this calculator are based on the information you enter and are intended for illustrative purposes only. They do not constitute a quote, credit offer, or financial advice, nor do they guarantee product suitability. SME Money Market accepts no liability for any loss or damage arising from reliance on this tool, subject to applicable laws. All applications are subject to standard credit assessment, terms and conditions, and relevant fees.
This calculator assumes a fixed annual percentage rate (APR) of 31%, with repayments covering principal and interest only, plus a 3.5% origination fee.
Frequently Asked Questions
Commercial property finance is a loan used to purchase, build, refinance, or renovate properties used for business — such as offices, warehouses, medical suites, or retail spaces.
Yes — we work with lenders that support purchases through companies, trusts, and SMSFs, with funding structures tailored to your entity type.
Most lenders offer up to 70–80% Loan-to-Value Ratio (LVR), depending on the property type, location, and your financials. Some may go higher with additional security.
We have lenders who offer low doc or alt doc options, which require minimal paperwork — ideal for self-employed borrowers or complex structures.
Commercial loans often have:
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Shorter terms (3–20 years)
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Higher interest rates
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Different LVR limits
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Stricter property zoning and usage requirements
But they can also offer more flexibility for business needs.
Yes. Many businesses refinance to access equity, get better rates, or extend loan terms to improve cash flow.
We can assist with loans for:
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Warehouses & industrial units
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Retail stores
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Offices & medical suites
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Mixed-use buildings
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Land for development (in some cases)
Yes — whether you’re buying premises to operate your business from or investing in commercial property for rental income, we can help match the right lender.
Yes — cross-collateralisation is an option. We’ll assess your full asset position to find the most cost-effective structure.
Simply request a quote or apply online through our secure portal. One of our finance experts will review your details and connect you to the most suitable lender.
What our clients have achieved with their finance.
Learn More
Funding When We Needed It Most
We needed funding fast, and SME Money Market delivered. From application to approval, the process was seamless and incredibly quick. Perfect for a growing business like ours!
Finance Clarity at Our Fingertips
The finance calculator was a game-changer. It gave us a clear picture of what we could afford, making the decision process so much easier.
Tailored Finance That Truly Fits
SME Money Market really understands small businesses. They tailored a loan package to suit our unique needs—no cookie-cutter solutions here.
Funding When We Needed It Most
We needed funding fast, and SME Money Market delivered. From application to approval, the process was seamless and incredibly quick. Perfect for a growing business like ours!
Finance Clarity at Our Fingertips
The finance calculator was a game-changer. It gave us a clear picture of what we could afford, making the decision process so much easier.
Funding When We Needed It Most
We needed funding fast, and SME Money Market delivered. From application to approval, the process was seamless and incredibly quick. Perfect for a growing business like ours!
Tailored Finance That Truly Fits
SME Money Market really understands small businesses. They tailored a loan package to suit our unique needs—no cookie-cutter solutions here.
Ready to grow your business?
Use SME Money Market’s loan calculator to instantly estimate your business loan repayments.
Get a Quote