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What to expect: We'll discuss your situation, explore what's possible, and give you straight answers about your options-no pressure to proceed. You'll leave knowing exactly how to move forward.

Jonathan Chan

Jonathan Chan

Founder & Managing Director

Jonathan helps Australian businesses, investors, and homeowners access tailored finance solutions. With extensive banking experience, Jonathan provides strategic advice across commercial property, business expansion and home lending.

Book with Jonathan
Gabriel Loh

Gabriel Loh

Managing Director

After almost a decade in New York and Silicon Valley, including as GM of Uber's US and Canada Financial Services business, Gabriel chose to bring his experience closer to home. Today, he helps Australians and business owners grow through smarter, more tailored financing.

Book with Gabriel

Commercial Property Finance - Overview

Whether you're building an investment portfolio or securing premises for your business, we structure strategic funding solutions to help you acquire the right commercial property with confidence.

What is Commercial Property Finance?

Commercial finance refers to lending secured against commercial property or used to fund business-related property acquisitions. This includes office buildings, retail shops, industrial units, warehouses, and mixed-use premises. Businesses and investors use commercial property finance to purchase new property, refinance existing loans, or release equity from assets they already own.

Unlike residential lending, commercial property finance operates differently. Loan terms are typically shorter, ranging from 1 to 5 years with options to extend or refinance at maturity. Interest rates are generally higher than residential rates, reflecting the different risk profile of commercial assets. Lenders assess commercial deals based on a broader set of criteria, including the property's rental income, tenant quality, lease terms, location, and the borrower's overall financial position - not just personal income and expenses.

Understanding these differences is important because the right lender and structure can make a significant impact on your borrowing capacity, cash flow, and long-term financial outcome.

How FGO Finance Group Helps

Navigating commercial property finance on your own often means dealing with a single bank that may not offer the best terms for your situation. FGO Finance Group works with a diverse lender panel - spanning major banks through to specialist and non-bank lenders - to find the most suitable option for your deal.

We handle the entire process: structuring the deal, pre-negotiating with lenders, preparing a complete application package, and managing the approval through to settlement. For complex transactions involving multiple securities, development components, or unique property types, our experience in structuring these deals is where we add the most value.

"Commercial property finance requires a different lens to residential. The quality of the tenant, the lease structure, and the nature of the asset all shape what a lender will offer. We spend as much time understanding the asset as we do the borrower - because presenting the full picture to the right lender is what turns a good deal into an approved one."
Jonathan Chan
Director, FGO Finance Group

What We Offer

Commercial property purchase loans ($500K – $50M+)
Refinancing and equity release
Development and construction finance
SMSF commercial property loans

Who This Is For

Our Process

1

Initial Consultation

We discuss your goals, property details, and financial position

2

Strategy & Options

We assess your deal across our lender panel and present the best options

3

Application & Packaging

We prepare a complete application with all supporting documents

4

Lender Negotiation

We negotiate rates, terms, and conditions on your behalf

5

Approval & Settlement

We manage the process through to settlement, keeping you updated at every stage

Frequently Asked Questions

What are lenders looking for when assessing a commercial property investment deal?
Lenders focus on four key factors: Net Rent (to test Interest Cover), Leverage (to meet their LVR requirements), Lease Term, and whether the property is specialised vs non-specialised. The specialised vs non-specialised distinction matters because it determines how easily another tenant can move in, or the site be converted, if the current tenant vacates.
What are specialised assets and why do they have lower LVRs?
Specialised assets such as service stations, childcare centres, and medical facilities are harder to re-tenant or repurpose, which increases lender risk and results in lower maximum LVRs compared to standard commercial property.
What type of loan applications do you assist with?
Commercial property lending generally falls into three documentation categories. Full Doc applications involve a complete assessment of your financial position - including income verification, credit history, ATO position, and existing liabilities - and suit borrowers with full financials available. Lease Doc applications are suited to investors with a strong lease in place, where the lease agreement and an accountant's letter support the application in place of full income verification. No Doc options are available for lower-LVR scenarios where the strength of the asset and contract of sale speaks for itself. We assist across all three pathways and help identify which approach gives you the best outcome for your situation.

Related Services

Business Loans

Working capital, equipment finance, and business acquisition lending tailored to your needs.

Home Loans

First homes, investments, and refinancing. Competitive rates tailored to your needs.

Ready to discuss commercial property finance?

Book a free consultation with our team. We'll assess your situation, explore your options across our lender panel, and give you a clear path forward.

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