Flexible Finance for
Commercial & Business Growth
From commercial properties to SMSF investments and development funding, our brokers connect you with strategic finance solutions.
Flexible Finance for Commercial Needs
Ellerfield offers strategic lending solutions for business owners, investors, and developers seeking funding beyond residential property. Whether you’re expanding operations, acquiring a commercial asset, or investing via your SMSF, we can help secure the right funding structure through our panel of specialist lenders.
- Commercial Property Finance
- Business Growth Funding
- Strategic Structuring & Advice
- Commercial Property Finance
- Business Growth Funding
- Strategic Structuring & Advice
Types of Loans We Offer
Commercial Property Loans
For purchasing or refinancing offices, warehouses, retail premises, or mixed-use properties.
SMSF Lending
Borrow through your self-managed super fund (SMSF) to invest in commercial property, with compliance-aligned structuring.
Development Finance
For small-to-medium property projects, including site acquisition, early works, and construction stages.
Business Term Loans
Capital injections for equipment, expansion, or acquisition purposes with flexible repayment options.
Eligibility & Lending Criteria
While criteria vary by lender, general eligibility requirements include:
- Clear credit history and registered business entities
- Demonstrated serviceability through business or rental income
- Deposit or equity contributions (typically 20–40%)
- Loan sizes from $250,000 to $10 million supported
Example Deal Scenarios
Scenario 1
SMSF Purchase of Commercial Premises
Client: Medical practice
Loan: $1.2M @ 70% LVR
Outcome: Acquired strata suite through SMSF with long-term interest-only repayments.
Scenario 2
Warehouse Acquisition for Trading Business
Client: Import/export operator
Loan: $2.5M @ 65% LVR
Outcome: Secured 10-year fixed-rate facility via non-bank lender.
Scenario 3
Boutique Residential Development
Client: Developer with DA-approved 12-townhouse project
Loan: $4.8M @ 70% of GRV
Outcome: Ellerfield sourced funding across land + construction via a tier 2 lender.