Finance question
Can I borrow against commercial property I own?
Yes. Commercial equity secures larger business facilities in the same way residential property does. Because real estate carries the deal, the pricing sits at single-digit rates, and many facilities settle with no financials. Property-backed lending reaches the $5 to 6 million range, sized to the equity you hold in the commercial asset.
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The short answer
Commercial equity secures serious funding
A commercial property you own, whether a warehouse, a shop, an office or an industrial unit, is strong security, and the equity in it can support a substantial business facility. As with residential property, the equity is the value minus what you still owe.
Because real estate backs the loan, the pricing lands at single-digit rates, well below unsecured business borrowing. Commercial equity often anchors the larger deals, reaching into the $5 to 6 million range that property-backed lending supports, and some deals cross-secure more than one property to lift capacity.
The paperwork is often lighter than owners expect. On many property-backed deals the equity carries the assessment, so up-to-date financials are not required, and ATO debt can be workable when property secures the deal. New businesses can qualify too, without a long ABN history, because the security does the heavy lifting. What you can borrow is sized to your equity and the purpose of the funds, and we structure the deal to suit your timeline and your cashflow.
Do you qualify?
What a commercial-secured deal leans on.
Commercial equity
Value minus what you owe on the commercial asset.
One or more properties
Cross-securing can lift your borrowing capacity.
A business purpose
Growth, stock, another premises or clearing tax arrears.
A clear valuation
The lender confirms the property value and equity.
Why commercial equity reaches so high
Strong security
Commercial real estate lets lenders extend far larger limits than unsecured lending.
Single-digit rates
That security is why the pricing lands in single digits, not double.
ATO debt workable
Arrears can be dealt with when property secures the facility.
A real example
A director owns an industrial unit worth $1.6m with a $500k loan, so about $1.1m in equity. That equity supports a facility well into seven figures at a single-digit rate, used to fund a second site, with no up-to-date financials required. Illustrative only, subject to valuation.
Common questions
Frequently asked questions
Is commercial equity treated like residential?
In principle yes. Both are strong security, price at single-digit rates and are sized to the equity you hold.
How much can commercial property support?
Property-backed facilities reach the $5 to 6 million range. Your own limit is set by the equity and the property, not a flat cap.
Can I borrow against more than one property?
Yes. Cross-securing residential and commercial property can lift your overall borrowing capacity.
Does ATO debt stop a commercial-secured deal?
Not necessarily. ATO arrears can be workable when property secures the facility, subject to lender assessment.