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
Recently Funded Deals
See what's possible with the right finance solution
*Based on real deals settled by Andorra Private. Details may be generalised for confidentiality.
Unregistered MIS — Industrial Warehouse Portfolio
The Scenario
A property syndicate structured as an unregistered managed investment scheme sought finance to acquire a portfolio of large industrial warehouses in regional Victoria.
The Challenge
The syndicate required non-recourse lending with no directors guarantees — a structure many lenders are unfamiliar with. Loan documentation needed to reflect the MIS trust structure correctly, requiring coordination between the client, their solicitor, and the bank's solicitor.
The Solution
We identified a major bank willing to provide a lease-doc facility on a non-recourse basis. We then worked closely with all parties — the client, their legal counsel, and the bank's solicitors — to ensure the loan contracts correctly reflected the trust structure and that no personal guarantees were required.
The Outcome
The facility was successfully arranged with a major bank. The syndicate acquired the warehouse portfolio with no directors guarantees, and all loan documentation was executed correctly on the first pass.
Non-Recourse
Structure
None
Guarantees
Lease-Doc
Facility Type
Major Bank
Lender
Client Testimonials
Hear from our satisfied clients
“Nick as a broker is part of my dream team for not only residential but especially commercial lending and has been nothing short of brilliant! Always calm under pressure and gets the job done. Very proactive and knowledge far superior to other brokers I've worked with. He's also got another option up his sleeve to ensure you achieve your goals. Absolutely no hesitation in recommending Nick for all things finance. Do yourself a favour and have a preliminary chat with Nick.”
Rachael
Commercial Lending
“Nick is an absolute gun at his job. I've been through many brokers over the years, and he is by far the best I've worked with. His knowledge in the commercial space is second to none, and the way he handles the process is completely seamless.”
P
Commercial Finance
“Nick is super professional and highly competent in his craft. He guided me with credible lending options and advice during my commercial property purchase journey. Highly recommended.”
ADS Rawal
Commercial 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
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Start your application today and get a response within 24 hours from our finance specialists.