SMSF Commercial Loans
Commercial property finance for self-managed super funds. We arrange compliant SMSF lending for commercial property investment.
Key Features
SMSF Compliant
Lending structures that meet superannuation requirements
Commercial Property
Finance for office, retail, industrial, and mixed-use
Business Premises
Purchase premises for your own business use
Limited Recourse
Limited recourse borrowing arrangement (LRBA) structure
SMSF Commercial 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
Ready to discuss your options? Get a response within 24 hours.
Start ApplicationSMSF Property Investment
Self-managed super funds can invest in commercial property, providing diversification and potentially higher yields than traditional investments. Commercial property can include offices, retail, industrial, and mixed-use buildings.
SMSF commercial property lending requires specific structures to comply with superannuation legislation. We work with lenders experienced in SMSF lending to ensure compliance.
Limited Recourse Borrowing
SMSF property loans must be structured as Limited Recourse Borrowing Arrangements (LRBAs). This means the lender can only recover against the property if the SMSF defaults, not against other fund assets.
This structure requires a bare trust to hold the property until the loan is repaid, at which point ownership transfers to the SMSF. We can explain this process and connect you with appropriate legal advice.
Business Real Property
An SMSF can purchase commercial property that your business occupies, known as business real property. Your business then pays market rent to your SMSF, providing a tax-effective way to fund your retirement.
This strategy requires careful structuring and professional advice. We can arrange the finance component and introduce you to SMSF specialists for the broader strategy.
Discuss Your SMSF Commercial Loans Needs
Our team specializes in finding the right lending solution for your unique situation. Get expert advice today.
Frequently Asked Questions
Ready to Get Started?
Start your application today and get a response within 24 hours from our finance specialists.