Commercial & Development Loans
Finance for business growth, property acquisition, or new development projects
Every business has unique goals, challenges, and financial needs. Whether you’re purchasing a commercial property, expanding operations, managing cash flow, funding development projects, or acquiring a business, the right lending strategy can make all the difference.
At My Finance Consultants, we work with major banks and non-bank commercial lenders to source tailored lending solutions, negotiate competitive terms, and structure loans to support long-term growth. From initial assessment through to settlement, we manage the process — so you can stay focused on running your business.
Commercial Property Loans
Finance for the purchase or refinance of:
Offices and corporate spaces
Retail shopfronts and hospitality venues
Industrial sites and warehouses
Medical, childcare, aged care, and specialist facilities
Blocks of units, mixed-use sites, and multi-title properties
We work with lenders experienced in commercial valuations and complex financial structures, allowing us to assess affordability, risk, and pricing outcomes clearly and strategically.
Business Loans
Finance designed to support day-to-day operations and long-term growth.
Secured Business Loans
Finance from $10k to <$1.5M
Competitive rates and structured terms
Suitable for established businesses with assets
Unsecured Business Loans
Borrow up to ~$300k
No property security required
Fast approval and minimal documentation
Business Purchase Finance
Finance available to help you:
Purchase an existing business
Buy into a partnership or professional practice
Fund goodwill, fit-out, equipment, or staff onboarding
We help build lender-ready financials, prepare business plans, and demonstrate repayment capacity through cash flow forecasting.
Business Line of Credit
Ideal for managing cash flow cycles and ongoing working capital.
Draw funds when needed
Only pay interest on the amount used
Repay and redraw flexibly
Reduces cash flow strain during peak or seasonal periods
Franchise Loans
We assist clients entering or expanding within franchise networks.
Finance franchise establishment fees, fit-outs, and equipment
Lender selection based on franchise strength and cash flow profile
Reduce reliance on personal cash reserves or asset security
Debtor Finance (Invoice Finance)
Access funds tied up in unpaid invoices without needing property as security.
Immediate cash flow support
Suitable for growing businesses with large receivables
Can be disclosed (customers aware) or undisclosed
Choose between full ledger finance or selective invoice financing
Development Loans
Finance for property development projects ranging from small residential builds to multi-dwelling developments.
Suitable for:
Duplex, triplex, and townhouse projects
Small-lot subdivisions
Land acquisition and construction funding
Multi-unit residential and mixed-use developments
Commercial and industrial development projects
We assist with:
Feasibility and project costing assessments
Pre-sales, GRV (Gross Realisation Value), and equity requirements
Staged drawdowns and progress claim coordination
Senior debt, mezzanine finance, and joint-venture capital introductions (where applicable)
Typical development loan structures may include:
Land + Construction Finance with staged progress payments
Interest capitalisation during the build phase
Loan-to-Cost (LTC) and Loan-to-Value (LVR) assessed based on project scale and risk
Our role is to evaluate the project, model the finance structure, and present it to lenders in a strong lending position.
Our Approach
We assess your business or project in detail
Identify the most suitable lenders and structures
Prepare and package your application professionally
Negotiate pricing and loan terms on your behalf
Coordinate valuation, legal, settlement, and drawdowns
FAQs
What types of commercial properties can be financed?
Offices, retail premises, industrial sites, hospitality venues, medical & childcare facilities, aged care, petrol stations, and multi-unit complexes.
What is the typical LVR for commercial property?
Generally 65%–80%, depending on property type, valuation, and financial position.
What documentation is needed for a business loan?
Financial statements, tax returns, business plans, asset/liability summaries, and cash flow forecasts.
What is a development loan LVR or LTC?
Development loans are often assessed on a Loan-to-Cost basis (typically 65%–80% of total development cost), with equity requirements varying based on project risk.