Commercial
Commercial Finance
Compare 70+ lenders with a Brisbane broker who explains the trade-offs before you commit — then handles the paperwork from application to settlement.
Overview
What commercial finance covers — and how lenders assess it
Commercial finance is a broad term covering loans secured by commercial property — offices, warehouses, retail shops, industrial units, medical suites and mixed-use buildings — as well as funding for business purposes such as expansion, acquisition, fit-outs and working capital. Whether you're buying the premises your business operates from, purchasing a commercial investment with a tenant in place, or refinancing an existing facility, the principles are similar: the lender assesses the property, the borrower and the purpose together, and prices the loan on the combined risk. It's less standardised than home lending, which is where good advice matters.
Commercial loan-to-value ratios are typically lower than residential — often around 65–80% depending on the property type, location and lease profile — so a larger deposit or additional security is usually needed. Loan terms are often shorter, with some lenders offering 15–25 year terms and others structuring shorter terms with reviews. GST generally applies to commercial purchases (though it may be claimable, or the sale may be a going concern), valuations are more detailed and costly, and lenders look closely at the lease: its length, the tenant's strength, rent reviews and options. For owner-occupiers, your business financials carry most of the weight.
Documentation ranges from full-doc (two years' business financials, tax returns, interim figures and a business plan for new ventures) to lease-doc, where an investment property's lease income alone services the loan, and low-doc options for established businesses with limited recent financials. Common traps include underestimating settlement timeframes, not allowing for GST at settlement, overlooking annual reviews and covenants, and using the family home as security when a stand-alone structure would be cleaner. We take the time to understand your business, work with your accountant, and present your application to the lender in a way that gives it the best chance, subject to their criteria.
Why Rannar
Four things you can hold us to
Your interests, legally first
Best Interests Duty isn't a slogan — it's the law we work under. Every recommendation is documented and explained.
Options, then one clear answer
You'll see the comparison, but you'll also get a straight recommendation. Choice without guidance is just noise.
Fast, because timing matters
Contracts have finance dates and rate offers expire. We move quickly and chase lenders so you don't have to.
With you long after settlement
Rate reviews, fixed-rate expiries, your next purchase — you keep the same broker and the same phone number.
How it works
From first call to settlement
No jargon, no pressure. Here's exactly what happens from first call to settlement.
- 1
Strategy call
A free 30-minute call about your goals, income, deposit and timing. We'll tell you honestly what's realistic.
- 2
Compare & recommend
We assess your position against 70+ lenders' policies and come back with options — and one clear recommendation.
- 3
Application & approval
We package the application so it sails through credit, and chase the lender daily until it's approved.
- 4
Settlement & beyond
We coordinate with your solicitor and the lender, then review your rate every year so you're never overpaying.
Reviews
What clients say
“Highly recommended – works closely to ensure client needs are met.”
“Sachin at Rannar is amazing and easy to work with. Walks you through all possible options and makes the whole loan journey and experience as seamless and easy as possible. Highly recommend him for all your loan needs.”
“Sachin has been incredibly supportive throughout my entire mortgage journey, always available whenever I needed assistance. His dedication and expertise made the process much smoother, and I would highly recommend him to anyone seeking reliable and knowledgeable guidance in the mortgage process.”
Good to know
Questions we hear every week
Straight answers. If yours isn't here, ask — we'll reply personally.
A broker works for you, not a bank. We assess your situation, compare loans from our panel of 50+ lenders, recommend the ones that suit you and manage the application through to settlement. In most cases our service costs you nothing: the lender pays us a commission once your loan settles, and we disclose exactly what that is before you proceed.
Your bank can only offer its own products and will assess you against its own policy. We compare dozens of lenders, know which ones treat your income type, deposit size or property most favourably, and negotiate on your behalf. We are also legally required to act in your best interests, which a bank's lending staff are not.
It depends on your income, living expenses, existing debts, deposit and the lender's assessment rate, and the answer can differ by six figures between lenders. Our borrowing power calculator gives a rough guide; a strategy call gives you a real number based on the lenders most likely to say yes.
Pre-approval typically takes a few business days to two weeks depending on the lender and how complete your paperwork is. Formal approval after you find a property usually takes one to two weeks, and settlement is commonly 30 days from contract in Queensland. We have had loans approved in under ten days when it mattered.
No. Our initial assessment and lender comparison do not involve a credit enquiry. A credit check only happens when we lodge a formal application with the lender you choose, and because we match you to the right lender first, you avoid the multiple enquiries that come from applying to several banks yourself.
No. Alongside home, investment and refinance loans we arrange commercial property finance, business loans, asset and equipment finance, car loans, personal loans and SMSF property loans. Many of our clients are business owners who use us for both their home and their business.
Related
You might also be weighing up
First Home Buyer Loans
From deposit to keys, Sachin walks you through grants, guarantees and lender criteria so you know exactly where you stand before you fall in love with a place.
Learn moreHome Loan Pre-Approval
Pre-approval tells you how much a lender may be willing to lend before you make an offer. We prepare it properly, so it means something when you need it.
Learn moreHome Loans
Whether you're upgrading, downsizing or buying your next home, we compare loans across more than 50 lenders and structure the one that fits how you live.
Learn moreNext step
Ready to talk about Commercial Finance?
A free 30-minute call with Sachin. We'll tell you what's realistic, what it will cost and which lenders suit your situation.