Commercial loans

Big moves need sharp thinking — and the right finance to back it up

Buying a warehouse? Snapping up a business? Or just need a better setup to smooth out your cash flow? We help Aussie businesses get the capital they need — without the hoops and headaches.

We cut through the noise and tell you what works. Whether it’s a commercial property or a trade facility — we’ll guide you so it makes sense long-term.

Upside Brokers Sunny

What we can help with

Buying commercial property

Whether it’s your new office, a retail space, or a chunky industrial block — we’ll help you secure the loan and make sure it stacks up on paper and in practice.

Buying a business

Taking over an existing business? We’ll help you work through the numbers, figure out what’s fundable, and show the lender a strong case — even if it’s not all squeaky clean.

Trade finance & debtor facilities

Buying stock from overseas? Chasing slow payers? We’ll help you access working capital without pledging the farm — and keep the cash flowing.

Overdrafts & lines of credit

Need a bit of breathing room? We’ll set up a flexible facility you can dip into when needed — without locking yourself into something clunky.

SMSF loans

Buying property through your super? Nice move. We’ll make sure the loan plays by the rules, and still helps you build wealth in the background.

Commercial Loan FAQs

  • It’s a bit more involved than a home loan — shorter terms, higher rates, and lenders who want more detail. But we know what they’re looking for, and how to get your deal across the line without turning it into a 3-month drama.

  • Expect to put down 20–30%, depending on the property, lender, and how strong your financials are. Got more equity elsewhere? That can help too — we’ll show you what’s possible.

  • Absolutely — most of our commercial clients do. We’ll make sure the structure lines up with your business setup, and keep your accountant in the loop so there are no crossed wires.

  • Not always. Some lenders will secure against the asset you’re buying. Others — like for overdrafts or debtor finance — may not need any bricks and mortar at all. It comes down to the type of loan and how your business is tracking.

  • You’d be surprised. We’ve helped clients with patchy BAS statements, a rough year or two, or no real “paper trail” still get great outcomes. It’s all in how you package it — and that’s where we come in.

  • Tell us where you’re headed, and we’ll help you get there with finance that works in the real world.

Make your next move simple

Whether you’re starting fresh, upgrading, investing, or just checking your options — we’re here to help you make smart, confident choices.