Finance Solutions to Grow Your Business

Whether you’re purchasing a commercial property, funding a development, or expanding your business, the right commercial loan can make all the difference. At Base Home Loans, we help business owners and investors access flexible finance options tailored to their goals.

book a discovery call

a smiling man business owner sits as his desk in a brightly lit room with his laptop open and talking to his mortgage broker perth on the phone about commercial loan
finance solutions for business

what is a Commercial loan?

A commercial loan is designed for business or investment purposes rather than personal use. It could mean financing a warehouse, shopfront, office, or industrial site, or even funding working capital and growth. Commercial loans are more complex than residential mortgages, with different approval criteria, structures, and risks — but with the right guidance, you can secure a loan that works for you.

how can we help with your next business move?

understand Your business

We take the time to learn about your goals, cash flow, and challenges.

tailor the right structure

Whether it’s term finance, a line of credit, or a development loan, we’ll find the right fit.

access a wide lender panel

From major banks to specialist lenders, we compare your options to secure competitive rates and terms.

Female entrepreneur, showcasing welcoming environment after having commercial loan approved perth

handle the complexity

Commercial lending involves more paperwork and negotiation — we manage the process so you can focus on your business.

support long term growth

Beyond the initial loan, we’re here to help with refinancing, restructuring, and future investments.

the whole picture thinking

Expertise across both residential and commercial lending

what can i do with a Commercial loan?

  • Purchase an office, warehouse, shop, or a business
  • Refinance existing business debt to improve cash flow
  • Funding property development or construction
  • Buying equipment or vehicles for the business
  • Unlocking equity to expand operations or invest further
how much can i borrow?
A stylish businessman working on a laptop indoor with a leather briefcase.
A smiling man holds a laptop while standing in a modern office hallway, heading to meeting with perth mortgage broker to discuss commercial finance.

things to know about commercial loans

01

Loan Structures

Commercial finance can be structured in many ways: term loans, overdrafts, lines of credit, equipment finance, or development loans. Each has different repayment profiles and interest rates.

02

Interest rates & fees

Rates are generally higher than residential loans, and may be fixed or variable. Fees can also vary widely between lenders.

03

Lender Requirements

Banks and lenders look closely at your business financials, cash flow, property value, and security offered. Documentation may include tax returns, BAS statements, or business plans.

04

Loan-to-value ratios

Typically lower than residential property (often 60–80%), meaning you may need a larger deposit or more equity.

05

security options

Loans can be secured against commercial property, residential property, or a mix of both, depending on the lender.

06

Flexibility

Some lenders offer interest-only periods, balloon payments, or seasonal repayment options — helpful for businesses with fluctuating cash flow.

FAQ’s for Commercial loans

Commercial loans are for business or investment purposes. They often have stricter criteria, lower LVRs, and higher interest rates than residential mortgages.

Shops, offices, warehouses, factories, mixed-use developments, and some residential developments, depending on lender policy.

Most lenders require 2 years of tax returns and financials, though some “low doc” or alternative lenders may offer solutions if you don’t meet standard requirements.

Yes, many lenders accept residential property as additional security to reduce risk and improve borrowing terms.

They’ll review financial statements, tax returns, BAS statements, credit history, and business plans. Lenders want to see reliable cash flow and security.

Banks usually have stricter approval criteria. Non-bank and specialist lenders may provide more flexibility (e.g. low-doc loans, higher risk tolerance), often at slightly higher rates.

Commercial loan terms are usually shorter than residential loans — often 5–15 years — with some lenders offering up to 25 years depending on the property and security.

Yes, many lenders offer interest-only periods (often 1–5 years) which can help manage cash flow or align with a project’s development timeline.

Prepare clear, up-to-date financials, have a realistic business plan, and provide strong security. Working with a broker helps present your application in the best light.

Yes, some lenders offer “low doc” or “alt doc” commercial loans that rely on BAS, accountant declarations, or bank statements instead of full financials — useful for self-employed borrowers.

Yes, refinancing of commercial loans is common to improve terms, access equity, or consolidate debt. Timing can be important, especially if your financials have improved.

It depends on the complexity and the lender. Straightforward deals may take 3–4 weeks; larger or development loans can take longer. A good commercial finance broker will know the approximate timeframes for approval with each lender, an important consideration if your finance is time sensitive.

Yes — many people purchase commercial property purely as an investment, much like buying a residential investment property. Commercial properties can provide attractive rental returns (often higher than residential), long-term leases, and potential tax benefits.

However, there are some important differences to consider:

  • Larger deposits – Lenders may require a higher deposit, often 20–30% or more.
  • Tenant risk – Rental income depends on the tenant’s business, and vacancies may take longer to fill.
  • Loan terms – Commercial loans typically have shorter terms and sometimes higher interest rates than residential.
  • Specialised property – Some property types (like warehouses, medical, or retail) may attract different lending rules.

An investment in commercial property can be a smart strategy, but it’s important to structure your finance correctly and understand the risks.

A broker who understands business

When it comes to commercial lending, having the right structure and strategy is just as important as securing the loan itself. That’s where Daniel comes in.

With years of experience helping business owners, property investors, and developers, Daniel knows how to navigate the complexities of commercial finance — from lender negotiations to structuring loans for cash flow and growth.

What sets Daniel apart is his ability to balance the big picture with the fine print. He takes the time to understand your business goals, then leverages his knowledge of the lending market to create tailored solutions that work today and into the future. The fact that he’s across residential home loans is a bonus, knowing that business and personal assets are not always exclusive.

Whether you’re buying your first commercial property, funding a development, or restructuring for growth, Daniel’s expertise and straight-talking advice make him a trusted partner in your business journey.

get in touch today

Mortgage loan Broker Perth Daniel Niederberger

  • 5.0

    “Daniel arranged a very complex loan that combined remortgage on a home, purchase of second home and the purchase of commercial unit. This was all closed at the same time and was little or no stress or hassle for us. I’ve worked with many brokers in the past but none like Daniel, he’s miles ahead and has deep knowledge of business and residential borrowing.“
    Wes

why choose us to help with your business loan

  • Expertise across both residential and commercial lending
  • Access to major banks and specialist commercial lenders
  • Clear, straightforward advice on complex structures
  • A partner who understands Perth’s business landscape
  • Dedicated support from application to settlement
business woman drinking small coffee in modern lounge setting while researching commercial loan options perth

read commercial lending articles

read More home loan news

Contact Us