Australia-Wide Commercial Loans & Property Finance
Commercial property finance, SMSF lending, development funding, business acquisitions and commercial refinancing solutions across Australia.
Tigris Finance is a finance broker, not a lender. Tigris Finance is a trading name of Hogan Capital Pty Ltd (ACN 357 188 570), an Authorised Credit Representative (ACR #578754) of Fintelligence Pty Ltd (ABN 80 625 017 174), which holds Australian Credit Licence #511803.
The service costs you nothing. Tigris Finance is paid a commission by the lender that funds your loan, disclosed to you in writing before you sign. Quotes and pre-approvals use a soft credit enquiry, so your credit score is not affected.
A commercial loan is a property-backed or asset-backed finance facility used for serious business borrowing: commercial property purchase, owner-occupied premises, investment property, SMSF property, development finance, or refinance of an existing commercial position.
Tigris Finance brokers commercial lending across major banks, second-tier lenders, non-bank commercial financiers and private credit funds. The right lender depends heavily on the asset type, your equity contribution, your serviceability and the deal complexity. We've seen them all.
What you'll find on this page: what a commercial loans is, when it's the right product, what it costs, common scenarios we structure for, and answers to the questions we hear most often.
About commercial loans with Tigris Finance
Tigris Finance is a Brisbane finance brokerage founded by Wade Hogan. We broker commercial loans across a panel of 74+ Australian lenders, from major banks to specialist non-bank financiers, so you get the right product for your scenario, not just the one your existing bank happens to offer.
Process at a glance: Commercial deals are paperwork-heavy. We'll send a short scenario-specific checklist, package the deal properly, and submit to lenders ranked by fit, not just rate. Typical timeline 2-6 weeks depending on complexity.
Common uses for commercial loans
Commercial property purchase
Office, retail, industrial, warehouse, mixed-use. Owner-occupied or investment, with LVRs typically 60-75% on commercial.
SMSF property loans
Limited recourse borrowing arrangements (LRBAs) for self-managed super funds investing in commercial or residential. Tighter rules, fewer lenders, but doable.
Development finance
Construction lending for small developers (2-20 unit sites). Typically requires presales, builder track record, and strong equity contribution. Specialist lender territory.
Business acquisition
Goodwill, plant and equipment financing for the purchase of an existing business. Often a hybrid commercial + business loan structure.
Commercial refinance
Restructure an existing commercial position to drop rate, extend term, or release equity for the next move.
Bridging finance
Short-term commercial bridging where settlement timing creates a gap. Higher rates, shorter terms, but solves a real problem.
Commercial Loans FAQs
What's the maximum LVR on a commercial loan?
Commercial property typically maxes out around 70-75% LVR for prime metro deals. Regional or specialist assets (childcare, service stations, hospitality) usually cap at 60-65%. We'll tell you the realistic LVR for your asset before you commit deposit funds.
How long are commercial loan terms?
Most commercial loans run 15-25 years amortising, or 3-5 year interest-only with a refinance event at the end. Shorter than residential, but matches the depreciation profile of commercial assets.
Are commercial loan rates higher than residential?
Yes, commercial loans are usually priced above comparable residential investment loans, reflecting the higher risk and shorter lender terms. Non-bank commercial lenders sit higher still but move faster on approvals.
Can I use an SMSF to buy commercial property?
Yes, via a limited recourse borrowing arrangement (LRBA) through a bare trust. There are strict ATO rules, and not every lender plays in SMSF lending. We work with specialists in this space.
What deposit do I need for a commercial loan?
Typically 25-40% of the property value depending on asset type, your serviceability and the lender. SMSF commercial usually needs 30-40%. Development finance needs 30-40% of total project cost.
Lending criteria and indicative figures are current as at August 2026 and are reviewed monthly. They are general information, not credit advice for your circumstances.
Related services
Where commercial loans isn't quite the right fit, one of these probably is:
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A 2 minute application and a soft credit enquiry only, so your credit score is not affected. Wade Hogan compares the panel and comes back with the structures that actually fit. No cost, no obligation, walk away any time.
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