COMMERCIAL FINANCE & COMMERCIAL MORTGAGES
Commercial mortgages built for businesses that move fast
In business, timing is everything. Whether you are buying a warehouse, securing retail premises, refinancing an office, or funding a commercial property investment, you need a commercial mortgage that keeps pace.At VaultFin, we arrange commercial finance and commercial property loans for real world businesses. We look beyond rigid bank criteria and access flexible commercial lenders to structure funding solutions that support growth and momentum.
Overview
Commercial mortgages and business loans do not follow residential lending rules. There is no standard template because no two businesses, cash flows, or commercial properties are the same.That is why commercial property finance requires experience, strong structuring, and access to the right lenders.
Who this service is for
We work with Australian based business owners, investors, and developers seeking commercial mortgages, business property loans, and tailored commercial loan solutions. Our clients range from owner occupiers purchasing their first warehouse to experienced investors refinancing commercial property portfolios.
Common commercial lending needs
Our clients typically engage us to:
• Purchase commercial property such as warehouses, retail shops, or office buildings
• Refinance existing commercial mortgages to improve terms or cash flow
• Access working capital alongside a commercial loan
• Fund fit outs, staff growth, or inventory during expansion
• Bridge cash flow while awaiting large invoices or settlements
Types of commercial clients
We arrange commercial mortgages across a wide range of industries including medical professionals, trades, manufacturers, professional service firms, and commercial property investors. We also specialise in commercial development finance for multi-unit residential and mixed-use projects. Industry aside, our focus remains on business viability and asset strength.
Why Choose VaultFin for Commercial Mortgages
Speed and lending certainty
In commercial property finance, delays cost deals. We provide fast, realistic assessments so you understand early whether a commercial mortgage is achievable and on what terms. This allows you to move decisively when opportunities arise.
Access to non-bank and specialist commercial lenders
We work with major banks, non-bank lenders, private funders, and specialist credit teams. This breadth gives us flexibility to structure commercial loans that reflect the full picture of your business, not just historical financials.
Strategic commercial loan structuring
We structure commercial mortgages to align with your balance sheet and cash flow. Where appropriate, we work alongside your accountant to support interest deductibility and repayment structures that suit variable or seasonal income.
Commercial loan refinancing and debt consolidation
If you hold multiple commercial loans or facilities, consolidation into a single commercial mortgage may be possible. This can simplify repayments, reduce interest costs, and improve overall cash flow.
Types of Commercial Finance
Commercial mortgages and business property loans
We arrange commercial mortgages for owner occupied and investment properties, including warehouses, retail premises, office buildings, and industrial assets. Our commercial property loans often include flexible features such as interest only periods and tailored repayment terms.
Working capital and business lines of credit
Strong cash flow is critical when running a business or holding commercial property. We arrange overdrafts, working capital facilities, and lines of credit designed to complement your commercial mortgage.
Equipment finance and asset leasing
Rather than tying up capital alongside a commercial loan, we structure equipment finance for vehicles, machinery, medical equipment, and commercial fit outs. This keeps cash available for day to day operations and growth.
Commercial development finance
For developers, we provide structured development finance including land acquisition loans, construction funding, and residual stock facilities. We understand pre-sale requirements, higher risk projects, and complex funding structures across residential and commercial developments.
Do not let restrictive lending limit your business or commercial property plans.
The right commercial mortgage should support your strategy, not hold it back. Whether you are buying, refinancing, or developing commercial property, we will help you structure finance that works for the long term.