Joe Anto
Director — Influx Financial & OneHQ Accounting
- Tax planning & accounting
- Self-employed lending support
- Business finances
Commercial Loans
Commercial lending without the runaround
Commercial finance is less standardised than home lending — every deal is priced on its own merits, and the gap between a good and bad outcome is wide. Whether you're buying your business premises, investing in commercial property, or funding growth, we package your case properly and put it in front of lenders who actually want it.
Who this is for
- Business owners buying their own premises instead of renting
- Investors purchasing offices, warehouses or retail property
- Trading businesses needing working capital or growth funding
- Professionals buying into a practice or partnership
The usual sticking points
Pricing is negotiated, not advertised
Commercial rates and terms depend on the asset, the tenant, the lease and your financials. Without comparison, you take the first offer.
The paperwork burden is real
Financial statements, leases, BAS, projections — lenders ask for a lot, and presenting it poorly costs approval odds and pricing.
Loan terms hide the traps
Shorter terms, reviews, covenants and balloon payments change the real cost of a facility beyond its rate.
How Influx helps
What we actually do about it
Your case, professionally packaged
With OneHQ Accounting in-house, your financials are presented the way credit teams want to read them — which directly improves the terms offered.
Banks and specialist lenders compared
Major banks suit some deals; specialist and non-bank lenders suit others, especially where flexibility or speed matters. We shop the deal properly.
Negotiation on the terms that matter
Rate, term, covenants, review clauses and security requirements are all negotiable. We push on the ones that will actually affect your business.
Step by step
How the process runs
You'll know what's happening at every stage — this is the map.
- 1
Scenario discussion
The purchase or funding need, your structure, and rough numbers — assessed fast.
- 2
Financial preparation
We assemble and present your financials to lender standards.
- 3
Term sheets compared
Offers from suitable lenders, compared on true cost and conditions.
- 4
Approval & documentation
We manage valuations, legals and conditions through to drawdown.
- 5
Facility reviews
Commercial facilities need reviewing — we stay across yours.
Worth knowing
Key considerations before you start
- Commercial deposits are typically larger than residential (often 20–35% depending on the asset).
- Loan terms are commonly 15–25 years, and some facilities include periodic reviews.
- The lease profile of an investment property strongly affects pricing and loan size.
- GST, entity structure and tax treatment matter — we coordinate this with the accounting team.
The information on this page is general in nature and does not take your personal objectives, financial situation or needs into account. Consider whether the information is appropriate for your circumstances and seek advice before acting on it. Lending criteria, fees and charges apply to all loan products.
FAQs
Commercial Loans questions, answered
Should my business buy its premises?
Owning can stabilise occupancy costs and build an asset — often inside an SMSF or separate entity — but it ties up capital. We help you weigh the lending side, with entity and tax questions handled by the accounting team and your licensed advisers.
What deposit do I need for a commercial property?
Typically 20–35% depending on the property type, tenant strength and your financials. Specialist lenders sometimes go higher on LVR at a price. We'll give you a realistic range for your specific asset.
How is a commercial loan assessed?
Primarily on serviceability from business income or rent, the quality of the security property, and your overall position. Presentation matters more than in home lending — a well-packaged application gets better pricing.
Can you fund working capital, not just property?
Yes — overdrafts, term loans and secured business lending, alongside equipment funding through asset finance.
Your specialist
Who you'll be working with
Related services
Also worth a look
Asset Finance
Finance for vehicles, machinery and business equipment.
Learn moreSelf-Employed Loans
Home loans for business owners, contractors and freelancers.
Learn moreAccounting & Tax
Tax returns, planning and business accounting through OneHQ Accounting — coordinated with your lending so both sides work together.
Learn moreTalk through your commercial deal
Bring the scenario — even a rough one — and we'll tell you how lenders will see it and what terms to expect.
Or send an enquiry and we'll call you back.