Commercial Loans

At Cairncross Group Capital, we specialise in commercial property finance for businesses in Narre Warren, Victoria, and across Australia. Whether you're purchasing premises for your own operations or investing in commercial property, we help you secure the right loan structure from a wide range of banks and lenders.

A Range of Commercial Finance Options

Commercial property finance is not one-size-fits-all. That’s why we offer access to a variety of loan types to match your financial position, business plans and property type. The most common forms of commercial lending include:

• Full Doc Loans: Suitable for businesses with complete financial records, such as tax returns and financial statements. These loans often offer the most competitive interest rates and are ideal for borrowers with a strong financial profile.

• Lease Doc Loans: Typically used for investment properties where rental income can service the loan. Lenders focus on the strength of the lease and tenant rather than your personal or business income.

• Low Doc Loans: Designed for self-employed borrowers or businesses without full financial documentation. These loans offer more flexibility, though they may come with slightly higher interest rates or require larger deposits.

Owner-Occupied vs Investment Property Finance

We help businesses navigate both owner-occupied and investment commercial loans. Owner-occupied loans are for businesses purchasing property for their own operations. Investment loans, on the other hand, are geared towards those buying property to lease out to other tenants. Each loan type has its own set of benefits, tax implications, and eligibility criteria, which we help you evaluate in line with your goals.

Flexible Structures to Support Growth

Commercial loans can be secured or unsecured, depending on whether you offer property or other assets as security. Secured loans generally come with lower interest rates. We also help you choose between fixed and variable interest rates, and explore features such as progressive drawdowns for developments, or revolving credit for ongoing access to funds.

Our lending panel includes banks and specialist lenders who cater to different needs—from those seeking a straightforward loan with flexible terms to those requiring more tailored solutions due to irregular income or complex ownership structures.

Tailored Guidance for Smarter Decisions

Whether you’re buying an office, warehouse, retail space, or undeveloped land, Cairncross Group Capital is here to guide you through the commercial finance process. We work closely with you to understand your cash flow, investment strategy, and long-term plans so we can recommend the most suitable loan options.

Our team takes care of everything from lender comparisons to application support, ensuring a smooth and efficient process.

If you’re considering a commercial property purchase—whether for your own business or as an investment—Cairncross Group Capital is ready to help. Contact us today to explore how we can support your next property acquisition with finance solutions designed to match your business goals.