GST Loans for Commercial Property
Don't let GST hold up your commercial property purchase. Get 100% GST coverage with funds available at settlement, repaid when the ATO refunds after BAS lodgement.
Key Features
100% GST Coverage
Full coverage of the 10% GST on commercial purchases
No Credit Checks
Fast approval without credit assessment
Funds at Settlement
GST funding available when you need it
Simple Repayment
Repay when ATO refunds your GST claim
GST Loans Examples
See what's possible with the right finance solution
*These are illustrative examples based on realistic Australian scenarios, not specific client cases.
Health Food Business Acquires Premises
The Scenario
Self-employed business owners operating a health food manufacturing company for 20+ years wanted to purchase their leased premises from the landlord.
The Challenge
Most lenders would only offer 70% LVR on commercial property, requiring a substantial deposit the owners did not have readily available.
The Solution
A specialist lender was identified willing to extend to 80% LVR based on the strong trading history and long-term lease arrangement, with a 15-year term and 5-year interest-only period.
The Outcome
The owners now pay approximately $2,000 less per month in loan repayments compared to their previous rent, freeing up cash flow for business growth.
$1M
Loan Amount
80%
LVR Achieved
$2,000
Monthly Savings
SMSF Industrial Property Purchase
The Scenario
A husband and wife with approximately $400,000 in their self-managed super fund wanted to diversify into commercial property.
The Challenge
Finding a lender that accepts commercial property security within an SMSF structure while meeting the strict 25% contribution requirements.
The Solution
A specialist SMSF lender comfortable with industrial property was sourced, with the loan structured to maximise the fund's purchasing power.
The Outcome
The couple successfully purchased an industrial property with loan repayments coming in lower than the rental income, boosting their super returns.
$400K
SMSF Balance
Industrial
Property Type
Positive
Cash Flow
Working Capital for Established Business
The Scenario
A NSW-based packaging company with nearly 50 years of trading history required working capital to fund a major contract.
The Challenge
The business needed quick access to funds without disrupting existing banking relationships or providing personal property as security.
The Solution
A short-term commercial facility was arranged, secured against business assets with a 3-month term at 65% LVR.
The Outcome
The business secured the working capital within 2 weeks, fulfilled the contract, and repaid the facility on time.
$910K
Facility Size
3 months
Term
65%
LVR
Client Testimonials
Hear from our satisfied clients
“Nick is always available to take your calls and provides knowledgeable guidance throughout the entire process.”
Terry M.
Refinancing
“The experience was straightforward - nothing was too difficult and any request was handled promptly by Nick.”
Gabi Y.
Home Loan
“Nick was very thorough from start to end while maintaining quick responsiveness. Highly recommend.”
Nayer G.
Investment Property
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Start ApplicationHow GST Loans Work
When purchasing commercial property in Australia, you typically need to pay 10% GST on top of the purchase price. This GST is refundable from the ATO after you lodge your Business Activity Statement (BAS), but you need the cash upfront at settlement.
A GST loan bridges this gap by providing 100% of the GST amount at settlement. You then repay the loan when the ATO processes your GST refund, typically within the quarterly BAS cycle.
Who Uses GST Loans
GST loans are ideal for commercial property purchases including new builds, land purchases, and development site acquisitions. They are commonly used by property developers, investors, and businesses acquiring commercial premises.
By financing the GST component separately, you preserve your capital for other purposes and avoid tying up funds while waiting for the ATO refund.
Simple Three-Step Process
Step 1: Tell us the GST amount you need and share your transaction details. Step 2: Receive approval quickly with no credit checks required. Step 3: Funds are available at settlement, and you repay when the ATO refunds your GST.
The process is designed to be fast and straightforward, with a single monthly fee structure and no hidden costs.
Discuss Your GST Loans Needs
Our team specializes in finding the right lending solution for your unique situation. Get expert advice today.
Frequently Asked Questions
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