Commercial Loans
Practical lending support for warehouses, offices, shops and business premises. As your business grows, your finance needs grow with it.
Whether youโre buying a warehouse for your trucks, an office for your team, or a shopfront for your retail or hospitality business, the right commercial loan can make a big difference to your cash flow and long-term wealth.
At Jain Home Loans, we help business owners and investors understand their commercial property finance options and work with lenders who understand small and medium businesses.
Note: We focus primarily on property-secured commercial loans (not unsecured short-term business lending).
What Is a Commercial Loan?
A commercial loan is finance used to purchase, refinance or renovate business-use property โ warehouses, offices, retail shops, factories and mixed-use premises. Unlike a standard home loan, commercial lending is assessed differently and structured around how your business earns income.
Lenders look at business financials, rental income potential, property type and location, and often apply different LVR limits, rates and loan terms compared to residential lending.
Warehouses, depots and industrial units
Offices and professional suites
Retail shops, restaurants and cafes
Mixed-use properties (e.g. shop below, residence above)
Why Commercial Loans Need a Different Approach
Commercial lending is more nuanced than residential, and the structure can matter as much as the rate.
Why It’s Different
- โขLenders look at business strength, industry risk and tenancy
- โขLoan-to-Value Ratios (LVRs) and deposit requirements can be different
- โขLease terms and rental income matter more (for investment purchases)
- โขSome lenders price commercial risk differently by property type and location
Why The Right Broker Helps
- โขRead your financials and understand your business
- โขCommunicate clearly with commercial credit teams
- โขHelp you compare not just the rate, but the structure, covenants and conditions
Business Owners & Investors We Work With
We understand the commercial lending needs of a wide range of industries and business types.
Transport & Trucking Operators
Warehouse depots, fleet yards, logistics hubs and distribution centres for owner-operators and fleet businesses.
Trades & Construction
Workshops, tool storage yards, showrooms and project offices for electricians, plumbers, builders and tradies.
Shop & Restaurant Owners
Retail shops, takeaway outlets, restaurants and cafes โ buy the premises you currently lease and build long-term equity.
Professional Services
Medical practices, dental clinics, accounting firms, consulting offices, legal practices and IT businesses needing their own space.
Property Investors & SMSFs
Investors seeking commercial yields or purchasing business property through their Self-Managed Super Fund for tax-effective growth.
Family Businesses
Family-run operations looking to buy premises, expand locations or consolidate business assets under one roof.
Common Commercial Loan Scenarios
Typical commercial lending situations we help business owners and investors navigate.
Warehouse or Depot for a Trucking / Transport Company
Example: You run a small trucking company or owner-driver fleet and want to buy a warehouse, yard or depot instead of leasing, consolidate operations, and secure a long-term base.
We can:
- Review your financials, BAS and business bank statements
- Help estimate a realistic borrowing range and deposit requirement
- Compare lenders comfortable with transport and logistics businesses
- Work alongside your accountant to structure borrowing via company or trust if appropriate
Buying the Shop or Premises You Currently Rent
Example: You operate a restaurant, caf๏ฟฝ, salon or retail store and your landlord wants to sell — or you’ve been offered the chance to buy the building.
We can:
- Show how owning compares to continuing to rent over the long term
- Help you understand LVR, repayments and cashflow impact
- Work with lenders that are comfortable with your industry type and lease
- Consider whether purchase is via your personal name, company, trust or SMSF (with input from your accountant)
Office or Consulting Rooms for Professionals
For doctors, allied health, accountants, consultants, IT and other professionals, buying rooms can help control costs and build equity. In some cases, rent from other tenants can support cashflow.
We help you:
- Understand serviceability based on salary, distributions and business income
- Compare different lenders’ appetite for profession-based borrowers
- Look at structure options that work with your practice and tax planning
Commercial Property as an Investment
You may not run a business yourself, but want to invest in commercial property.
We can:
- Help you understand how lenders view rental income, vacancy risk and lease terms
- Discuss how commercial risk compares with residential investment (from a lending perspective)
- Work with your adviser if you’re purchasing in an SMSF or other structure
How Jain Home Loans Helps with Commercial Lending
A practical, structured approach to commercial finance from first conversation to settlement.
We start with your business and investment goals
- What you want to buy and why
- How the property supports your business or investment strategy
- Your current home and investment loans
- Your timeframe and any lease/option deadlines
We review your numbers with a commercial lens
- Company and/or trust financial statements
- Personal and business tax returns and NOAs
- BAS and business bank statements
- Details of existing business and personal debts
- Information on leases and tenants (if investment)
We compare lenders, rates and structures
- Interest rates and pricing tiers
- Maximum LVRs and deposit requirements
- Acceptable security types
- Flexibility with interest-only vs principal & interest
- Fees, covenants and review conditions
We explain the trade-offs so you can decide what works best for risk, flexibility and cashflow.
We coordinate the process with your professional team
- Your accountant or tax adviser
- Your solicitor or conveyancer
- Sometimes a financial planner or SMSF specialist
We’ll liaise with them (with your permission) to keep structure, documentation and timing aligned.
Types of Commercial Finance
We help with a range of business and commercial lending products to match your needs.
Commercial Property Loan
Purchase or refinance warehouses, depots, offices, shops and other commercial premises. Loan terms typically 15-25 years with competitive rates for strong applications.
Business Term Loan
Funding for business expansion, renovations, fit-outs or working capital. Structured repayments over a set term to match your business cycle.
Truck & Equipment Finance
Up to 100% funding for trucks, machinery and business equipment. Fast approvals, flexible terms and structures designed for transport and trades operators.
Cash-Flow & Invoice Finance
Improve business liquidity by unlocking funds tied up in outstanding invoices. Helps maintain steady cashflow without waiting 30-90 days for payment.
Property Development Loan
Funding tied to project progress for commercial developments, subdivisions and construction projects. Drawdowns aligned with build milestones and council approvals.
Commercial Loan FAQs
Why Business Owners Trust Jain Home Loans
We bring a practical, relationship-focused approach to commercial lending.
Comfortable with Self-Employed & Directors
We work with business owners, company directors and family businesses every day. We understand how business financials look different from PAYG income and present your case accordingly.
Understand Transport, Trades & Retail
We have experience working with trucking operators, tradies, shop owners and service-based businesses. We know what lenders look for in each industry.
Explain Structures & Risks Clearly
Commercial lending can be more complex than residential. We explain loan structures, guarantees, cross-collateralisation and risks in plain language so you make informed decisions.
Work With Your Accountant & Legal Team
We coordinate with your accountant, solicitor and financial adviser to make sure the loan structure aligns with your tax planning, asset protection and business strategy.
Communicate in Your Language
We speak English, Hindi, Punjabi, Gujarati and Urdu. For business owners from Indian and South Asian backgrounds, being able to discuss complex commercial matters in your preferred language makes a real difference.
Ready to Talk About Commercial Finance?
Whether you are buying a warehouse, office or shop โ or refinancing an existing commercial property โ speak with a broker who understands business lending.
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