Business Property Loans
Finance for businesses buying their own premises, with structures that reflect trading income, business entities and long term operating needs.
Buy premises for your business- Structure lending through the right entity
- Balance occupancy needs with cash flow
What are Business Property Loans?
Business property loans are used when an operating business buys premises to occupy, such as a warehouse, office, factory, showroom or medical suite. The assessment is driven by both the property and the trading strength of the business, including cash flow, financial statements, entity structure and the purpose of the acquisition.
Typical deposit
15-30%
Varies by industry, property and lender
Approval time
1-4 weeks
Longer if multiple entities are involved
Suitable for
Operating businesses buying premises
What does it cover?
Owner occupied business premises
Finance for offices, warehouses, factories, showrooms and selected specialist premises
Entity and structure review
Loans may be set up via companies, trusts or related entities depending on the transaction
Business cash flow assessment
Lenders review trading performance and repayment capacity, not just the property itself
Long term premises planning
Funding can support ownership instead of ongoing leasing where the strategy fits
Who is it suitable for?
Established trading businesses
Professional practices
Industrial and trade businesses
Borrowers buying long term premises
What do you need to qualify?
Most lenders will require:
- Business financials and trading history
- Deposit or accessible equity
- Property details, valuation and purchase structure
- A business and property profile that fits the chosen lender
How does business property finance work?
Business property funding combines property assessment with review of the trading business, then moves through approval and settlement.
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01Review business
- →
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02Assess premises
- →
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03Secure approval
- →
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04Complete purchase
Common problems with Business Property Loans
Weak or inconsistent trading history
The business does not show stable earnings or enough repayment strength.
Present clear financials, explain seasonality and target suitable lenders
Wrong borrowing entity
The purchasing structure is unclear or tax and asset protection goals were not considered early.
Set the ownership and borrowing structure before lodging the application
Premises do not suit policy
Specialised or unusual business property can narrow lender choice.
Align the property and business profile with a lender that accepts the scenario
Steps to secure a Business Property Loan
Clarify 
01
Define the property, occupancy plan and ownership structure
Prepare
02
Gather business financials and purchase details
Approve
03
Submit through a lender suited to the business and asset
Own
04
Settle and move into a property structured for long term use
Speak with a Business Property Finance Specialist
Submit the short form below and a specialist can review your business, premises, borrowing structure and likely lender fit.
Helena
Finance Specialist, Property Finance Help
Speak with an Expert
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