Mortgage Brokers Geelong

Commercial Loans Geelong

Talk to one of our brokers, who works across business, commercial property and equipment lending.

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  • Greater Geelong Region
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Commercial finance covers borrowing for business: commercial property, equipment, vehicles, or working capital. It works differently to a home loan, the deals are more varied, and the right lender depends heavily on your specific situation. Talk to one of our licensed local brokers, who works across commercial lending and finds finance that fits what you’re actually trying to do. Free to you, no obligation.

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When you need a commercial loan broker

You’re borrowing for a business rather than a home. That could be buying premises instead of renting, funding a fit-out, financing trucks or machinery, buying an existing business, or freeing up working capital to grow. Commercial lending is a different world to residential, with more moving parts and far less standardisation between lenders.

That variation is exactly why a broker matters here. Two lenders can look at the same deal and come back with very different answers, because they weigh cash flow, security and industry risk differently.

How our brokers help

A broker who works in commercial lending starts with the deal and the business behind it. They look at your trading history, your cash flow, the security you can offer and what you’re trying to fund. Then they take that to lenders who suit your type of deal, which is not a fixed list, because a lender that’s good for commercial property might be poor for equipment finance.

They also handle presentation. Commercial applications live or die on how well the deal is put together: the financials, the business case, the projections. A broker who packages it properly gives you a better shot at approval and better terms than a rushed application would. Because the lender usually pays the broker on settlement, this often costs you nothing, though commercial deals sometimes carry a fee, which the broker discloses in writing before anything proceeds.

What commercial finance covers

Broadly, a commercial broker can help with:

  • Commercial property: buying or refinancing an office, shop, warehouse or industrial site.
  • Business finance: buying a business, funding growth, or working capital.
  • Equipment and asset finance: machinery, fit-outs, and heavy vehicles.

The Geelong context

Geelong’s economy has shifted well beyond its manufacturing past into health, education, logistics and services, and small business sits at the centre of that. Whether you’re buying a shopfront on a suburban strip, warehouse space in the industrial pockets around Breakwater and North Shore, or premises anywhere across the region, a broker who knows commercial lending can match the finance to the deal.

Buying a vehicle for the business might be simpler as car and asset finance. Buying commercial property to lease out overlaps with investment lending.

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Tell us what the finance is for and one of our brokers who works in commercial lending picks it up.

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Commercial finance across Geelong's business, retail and industrial precincts.

See every suburb we cover on the service locations page.

Common questions

How is a commercial loan different from a home loan?

Commercial loans are assessed on the business and the deal, not just personal income, so lenders look at cash flow, trading history and the security offered. Rates, terms and deposit requirements vary far more than home loans, and deals are often negotiated individually. A broker who knows commercial lending finds a lender that fits your situation.

What deposit do I need for a commercial property loan?

Commercial property usually needs a larger deposit than residential, often around 20% to 35% depending on the property type, the lease and your business. Specialised properties can need more. A broker tells you what different lenders expect for your kind of property and how to present the deal to get better terms.

Can I borrow to buy a business or equipment?

Yes. Commercial finance covers buying a business, funding equipment and vehicles, commercial property, and working capital. Each has its own loan types and lenders. A broker who works across commercial lending matches the finance to what you're actually buying rather than forcing it into one product.

How long does commercial finance take to arrange?

Longer than a home loan, usually. Lenders want more information, like financials, tax returns and business plans, and complex deals take longer to assess. Simple equipment finance can be quick; a commercial property purchase takes weeks. A broker who prepares the application properly upfront tends to keep it moving rather than stalling on missing documents.