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Commercial Loans

From buying commercial property to financing operations or business equipment, they guide businesses to the loan that works best for their needs.

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Loan choices

Simplifying Loan Choices

Running a business leaves little time to navigate lenders. They simplify the process, helping businesses secure financing for offices, warehouses, or retail expansion with confidence.

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Loan options

Loan Type

Description

Variable Rate Loan
The interest rate may change over time, offering flexibility and access to features like additional repayments, redraw, and offset accounts.
Fixed Rate Loan
Your interest rate and repayments stay the same for the agreed term, giving you certainty and no surprises.
Principal and Interest Loan
Repay both the principal and interest each period to reduce your loan balance faster than interest-only options.
Interest Only Loan
For a set period, only the interest is paid. This lowers short-term repayments but extends the overall loan term.
Overdraft
Draw funds up to a credit limit as needed. Interest is higher, and fixed-rate options are not available.
SMSF Loan
Buy commercial property through a Self Managed Super Fund or trust, keeping ownership separate from your business.
Asset Finance
Finance machinery, equipment, or vehicles with a solution tailored to your business needs.
Commercial Property Guarantor Loan
If you lack a full deposit, a family member or friend can provide property as security to help secure the loan.
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Speak With a Commercial Loan Specialist

Need funding for commercial property or business growth? Reach out to discuss lending options tailored to your plans and objectives.
Client Reviews

Real Results. Trusted by Clients.

Guidance Made First Home Easy

"Todd and his team were exceptional from start to finish assisting us with our mortgage approval. This was our first home purchase and we were very new to the process, however Todd and his team helped us every step of the way. We hit a few unexpected snags due to my partners visa status along the way and Todd managed to find solutions to help us achieve a mortgage without being lumped with an excessive government surcharge. We are truly grateful for Todd and his team and highly reccomend them to assist in securing a mortgage at an excellent rate."

Josh Boulton

Client

Smooth and Efficient from Start to Settlement

"We can’t thank Todd Martin enough for his help securing the right finance for us. When we were finding it difficult to arrange things on our own, Todd stepped in and quickly identified the best solution. He guided us through a smooth, efficient process all the way to settlement, making what could have been stressful feel simple and well managed. We’d happily recommend Todd to anyone looking for knowledgeable, proactive and reliable mortgage advice."

Adam Boyle

Client

Clear Guidance and Personalised Care

"I highly recommend Todd Martin from MartinCo Financial Services. He took the time to truly listen to my needs, provided clear and thorough guidance, and he carefully planned the best approach to secure my loan. He, and his teams support throughout the process was outstanding, making the experience smooth and stress-free."

Belinda Robinson

Client

Outstanding Communication and Support

"We're so grateful we had Todd with us through this whole journey as first home buyers. His communication was exceptional, and the guidance he gave us at every step honestly felt like a superpower. Having someone we can rely on in our corner made everything so much easier and gave us so much confidence. We couldn't be more thankful or recommend him more highly. Thank you Todd!"

Nathan Bryant

Client

Professional and Stress-Free Experience

"Todd Martin and his staff provided outstanding service. They supported us through the process with professionalism and care. Highly recommend for anyone needing financial services. First home buyer two thumbs up! "

Rachael mcfadyen

Client

Simple and Easy for First Home Buyers

"Fantastic brokers to deal with. They made everything seamless and easy to understand, which was incredibly helpful as a first home buyer. I strongly recommend them to anyone."

John Sanchez

Client

Reliable Advice and Long-Term Support

"I have worked with Todd and the team at MartinCo Financial Services for a number of years both for personal finances as well as professional. I have recommended the service to friends, family members and other businesses that we have worked with - and have only heard positive things. I find the professionalism, knowledge of the market, presentation of various solutions and the personalised service to be second to none. There is no other organisation that I would seek, and no one that I would trust with my finances other than Todd and his team."

Nicholas Alderdice

Client

Expert Support for SMSF Property Finance

"We’ve just used Martin and co to assist in securing a loan to purchase a property in our SMSF. Always professional and easy to deal with, we would highly recommend them."

Julie Kidd

Client

Fast and Competitive Car Loan Approval

"Todd and his team were fantastic. They moved very quickly to get the car loan in place and got me a competitive rate. Everything was explained to me which made the process easy and stress free."

Christopher McGrath

Client

Smart Solutions for Complex Financial Needs

"I can't recommend Todd and his team highly enough. We were unfortunate enough to lose a business and needed to consolidate a business loan into our mortgage. Todd and Ericka handled the whole process and made it as smooth as possible. We will be using Todd and the team for all of our lending needs in the future."

Rachel S.

Client

Common Questions

Commercial Loans FAQs

Can you help me understand my borrowing capacity?
Yes. Borrowing capacity shows how much you may be able to borrow based on your income, expenses, existing debts, and overall financial position. Use our calculator or get in touch for a more detailed assessment.
With access to over 60 lenders, loan options are compared based on your goals, financial position, and long term plans. The benefits and trade-offs of each option are clearly explained so you can make an informed decision with confidence.
Yes. Commercial property purchases are commonly structured through companies, trusts, or SMSFs depending on your business structure, investment goals, and financial strategy.
Deposit requirements vary between lenders and property types; however, commercial loans often require a larger deposit compared to residential lending.
Yes. Refinancing may help improve loan structure, reduce repayments, access equity, or provide more suitable features for your business or investment goals.
Depending on the lender, finance may be available for offices, warehouses, retail spaces, industrial properties, medical suites, and other commercial assets.
Yes. Commercial lending generally involves a more detailed assessment process, including business income, lease arrangements, cash flow, and the performance of the property being financed.
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Complete a quick application and we’ll guide you through the process to find the right loan for your needs.
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