Commercial Property Finance Solutions Backed by VIM Cover
At VIM Capital, we specialise in connecting business owners, investors and operators to tailored commercial finance solutions. Whether you’re acquiring new premises, refinancing debt, expanding equipment or undertaking a property development—our broker network guided by VIM Cover has the market access and commercial expertise to secure competitive outcomes.
Why Choose VIM Capital
- Expertise in commercial finance and backed by experienced Scenario Planners and VIM Cover.
- No “one size fits all” product push.
- We’re not a lender — we work exclusively for you.
- Strategic mindset — structuring for tax, entity and long-term growth.
- Transparent fees and terms, no surprises.
- Ongoing advisory — not set-and-forget.
Our Commercial Property Lending Solutions
Here’s how we’ve broken down our major loan types—so you can quickly identify which suits you.
1. Property Acquisition (Commercial Purchase)
What it is: Financing to purchase existing commercial property: offices, warehouses, retail, industrial.
Why use it: Business owners who want to stop renting and start owning. Investors seeking income-generating real estate.
Key features:
- Typical term: 1-30 years
- Loan-to-value ratio (LVR): up to ~70-85% (depending on property type, borrower, structure)
- Faster approvals for established buildings with tenants
Best for: Business owners buying their own premises or investors acquiring income-producing property.
2. Owner-Occupier Finance
What it is: Specialized purchase finance for business owners buying their own operating premises.
Why use it: Because lenders view owner-occupiers as lower risk—often better rates, higher LVRs.
Key features:
- LVR may stretch up to 85% or more in some cases
- Term: 1-30 years
Best for: Business owners wanting control over their premises, build equity, reduce rental exposure.
3. Construction & Renovation Finance
What it is: Funding for new builds or major fit-outs/renovations of commercial properties.
Why use it: If you’re building your own premises, refurbishing a leased property, or developing core-shell for lease.
Key features:
- Short-to-medium term (12-24 months typical)
- Draw-down in stages (progress payments)
- Lenders will assess projected end-value or tenant pre-commitments
Best for: Businesses building custom facilities or property investors/developers adding value via construction.
4. Development Finance
What it is: Finance for larger-scale commercial property projects: subdivisions, multi-unit commercial/residential mixed-use, land-bank + build.
Why use it: Where standard commercial mortgages won’t cut it due to project risk.
Key features:
- Term: 12-36 months typical (depending on stage)
- Higher risk = higher rates & lower margin of error
- Leverage up to ~80-90% of value (depending on structure)
Best for: Experienced developers or property businesses with a clear exit/lease strategy.
5. Refinancing & Equity Release
What it is: Replace an existing loan with a better rate/terms or access equity from property.
Why use it: To reduce cost, consolidate debt, free up funds for growth.
Key features:
- Term: 1-30 years depending on outcome
- LVR dependent on value of property and income assessment
Best for: Business owners or investors who hold commercial property and want to optimise finances or redirect funds.
6. SMSF Commercial Property Loans
What it is: Limited-recourse borrowing arrangements enabling SMSFs to purchase commercial property.
Why use it: Tax-effective route to property ownership via superannuation vehicles.
Key features:
- Requires compliance with SIS Regs, super fund structure
- Typically LVR up to ~80% (varies by trustee, property, lender)
Best for: Trustees of SMSFs seeking commercial property exposure as part of retirement or investment strategy.
7. Bridging Finance
What it is:
- Bridging: Short-term funding when timing doesn’t align (e.g., buy now while you sell, auction purchase).
- Why use it: Speed or high leverage that standard loans cannot provide.
Key features: - Bridging: Term 6-12 months, LVR up to ~80%+, higher interest.
- Best for: Time-sensitive deals, auctions, sophisticated property deals needing flexible structure.
VIM Capital – Commercial Property Loan Types Comparison
Loan Type | Best For | Interest Rate (Indicative) | Max LVR | Typical Terms | Typical Settlement |
Investment Loan | Existing commercial properties | 5.80% – 9.30% | Up to 80% | 1 – 30 years | 4 – 6 weeks |
Construction Loan | New commercial builds & major fit-outs | 6.40% – 15.00% | Up to 70% | 12 – 24 months | 6 – 8 weeks |
Development Finance | Larger subdivisions & multi-unit projects | 8.50% – 18.00% | Up to 90% | 12 – 36 months | 8 – 12 weeks |
Owner-Occupier Loan | Business owners buying their own premises | 5.80% – 8.35% | Up to 85% | 1 – 30 years | 4 – 6 weeks |
Refinance / Equity Release | Improving terms or extracting equity | 5.80% – 9.30% | Up to 75% | 1 – 30 years | 3 – 4 weeks |
SMSF Commercial Loan | Super-funded commercial property | 6.20% – 8.70% | Up to 80% | 1 – 30 years | 4 – 6 weeks |
Bridging Finance | Urgent purchases / timing gaps | 7.50% – 12.00% | Up to 80% | 6 – 12 months | 7 – 14 days |
Note : Information and rates Indicative only and just serve as a comparison between products
Which Loan Type is Right for You?
Deciding the right loan comes down to four core questions (and yes, we ask them):
- What’s your objective? Purchase, construction, refinance, develop, or equip your business?
- What entity are you borrowing in? Individual, company, trust, SMSF – as this affects structure, tax and asset protection.
- What financing timeframe do you have? Immediate settlement? Later stage development?
- What is your exit or income strategy? Own & hold? Lease out? Sell once developed?
At VIM Capital we map your objective to our lender network—because each lender has a sweet-spot and we ensure your structure fits the appetite, not the other way round.
Our Process – Simple, Transparent, Efficient
- Free Strategy Call – We assess your needs, timelines, entity structure, and key risk points.
- Lender Scenario Mapping – With access to 70+ lenders we shortlist those who fit your deal, structure and timeframe.
- Documentation & Submission – We help pull together supporting docs (cash flow, projections, valuations, entity docs) so your application is strong.
- Negotiation & Terms – We compare offers, clarify conditions, ensure no hidden merchant / clawback issues.
- Settlement & Account Management – Once settled we keep an eye on your loan, alert you to refinancing opportunities, equity release or growth expansion.
Ready to Get Started?
Let’s talk about your business goals, growth plans and property or asset strategy. Hit the button below to book your free consultation and let’s explore what you can borrow — and how far that can take you.
Your Commercial Credit Questions, Answered.
Whether you’re looking at Buying a commercial Property or Building or Renovating an existing Business Premises, we can help make it simple to understand our options and how it all works.
Here, VIM Capital’s Commercial loan specialists break down the most common questions Australian businesses ask — in plain English, not finance jargon.
Commercial property loans are assessed primarily on the income and strength of the business or the investment property—not personal household income. They have different LVRs, rates, risk profiles and documentation requirements.
Most lenders require 20–30%, depending on property type, business performance, lease terms and experience. Some specialist lenders may go higher on strong owner-occupier deals.
For standard purchases, approvals usually take 4–6 weeks. Construction and development deals typically take longer due to valuations, feasibility checks and builder due-diligence.
Yes. Commercial loans can be written in companies, discretionary trusts, unit trusts, SMSFs, or personal names. Each structure has pros and cons—VIM Capital works with your accountant to structure it correctly.
Both options are available. Fixed gives certainty. Variable gives flexibility. Some lenders offer split loans so you can balance risk and cash-flow.
You’ll usually need:
- Financials (2 years ideally)
- BAS statements
- Lease agreements (if investment property)
- Contract of sale or build contract
- Identification & entity docs (company/trust/SMSF)
Construction or development loans also require feasibility reports, plans, and costings.
Absolutely. Many business owners leverage equity from their home, warehouse, or existing investment property to fund new acquisitions or developments.
- Owner-occupier: Up to ~85%
- Investment: Up to ~80%
- SMSF: Up to ~80%
- Construction: Up to ~70%
- Development: Up to ~90% with mezzanine layers
Your LVR will ultimately depend on risk, valuation type, lease strength and financials.
Lenders may order either:
- Direct comparison valuation (typical purchases), or
- Income capitalisation valuation (investment properties)
Construction and development loans often require as-if-complete valuations.
Yes. Many clients refinance after improving cash-flow, renewing leases, increasing valuations, or completing construction. VIM Capital reviews your position regularly to spot opportunities.
Have a question? Just ask!
One of our lending specialists will be in touch
