Commercial Construction Loans
Build commercial property with purpose-designed finance. From retail centres to office buildings, we fund commercial construction projects of all sizes.
Key Features
All Commercial Types
Office, retail, mixed-use, and specialty
Pre-Lease Options
Finance with or without pre-committed tenants
Investment Exit
Refinance to commercial investment loan on completion
Owner-Occupier
Build your own business premises
Commercial Construction Loans Examples
See what's possible with the right finance solution
*These are illustrative examples based on realistic Australian scenarios, not specific client cases.
Brisbane Townhouse Development
The Scenario
A developer was undertaking a townhouse project in Brisbane but faced delays with bank pre-sale requirements.
The Challenge
The bank required 50% pre-sales on another project before approving new finance. The developer expected to achieve this within two months.
The Solution
Private development finance was arranged at 60% LVR with capitalised interest, bridging the gap until bank requirements were met.
The Outcome
The project commenced on schedule, pre-sales were achieved, and the developer transitioned to bank finance at a lower rate.
$540K
Facility
60%
LVR
Capitalised
Interest
Regional Victoria Mixed Development
The Scenario
A multi-stage development in Warrnambool comprising 7 townhouses and 15 apartments within a growing residential precinct.
The Challenge
Regional developments often face stricter lending criteria due to perceived market risk and lower pre-sale volumes.
The Solution
An $8.26M facility was structured at 80% LVR against valuation with more than 50% debt coverage through pre-sales across both stages.
The Outcome
The development was fully funded with a 12-month term, allowing completion without refinancing pressure.
$8.26M
Facility
80%
LVR
50%+ cover
Pre-sales
Mezzanine Finance After Builder Insolvency
The Scenario
A Brisbane-based developer's appointed builder went into administration mid-project, threatening the entire development.
The Challenge
Securing a replacement builder and additional funding while managing existing lender relationships and project timelines.
The Solution
Mezzanine funding was arranged drawn simultaneously with senior debt restructuring and execution of a fixed-price contract with the new builder.
The Outcome
The project was completed successfully with the replacement builder, protecting the developer's equity and investor returns.
Mezzanine
Structure
Completed
Outcome
Protected
Equity
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 ApplicationBuilding Commercial Assets
Commercial construction serves different objectives than residential development. Whether you are building premises for your own business, constructing a commercial investment, or developing for sale, the financing needs to match your goals.
We arrange commercial construction finance for office buildings, retail centres, medical facilities, childcare centres, and mixed-use developments combining commercial and residential.
Flexible Pre-Commitment Requirements
Some commercial projects have anchor tenants signed before construction begins. Others rely on market demand to attract tenants during or after the build. We work with lenders across this spectrum.
Pre-leased projects typically achieve better terms, but speculative commercial construction is possible with appropriate equity contribution and location quality.
Discuss Your Commercial Construction 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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