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Commercial Loans & Commercial Lending Specialists

Obtaining commercial loans in Australia to purchase a commercial property can be very difficult in the current financial climate. The mainstream banks and credit unions strict lending criteria has seen many businesses close as of late. It is this reason that Universal Finance could be the solution you have been seeking for your financial requirements.We can help you find a commercial loan, no matter what your background or financial history is like and offer commercial lending for those who want to buy a business, as well as existing business owners who wish to expand.


  • We not only offer commercial loans in Australia to purchase or refinance commercial property but loans for any commercial purpose such as:
  • Purchase a business
  • Purchase equipment and stock
  • Payout an existing business partner
  • Fund business expansion
  • Leasing
  • Commercial property purchase (Industrial Land is an acceptable security type)
  • Investment Funding
  • Purchase of refinance of commercial properties
  • Cash flow finance
  • Commercial Lending Specialists since 1999

Regardless of whether you are in need of a one-off equipment loan or need a long-term funding solution for ongoing expansion, Universal Finance can help. Our network of lenders offers some of the most competitive commercial lending rates in Australia and can provide much needed funding quickly and easily.Universal Finance know that our customers don’t want to wait days or weeks for their commercial loans to be settled, so we offer a streamlined process with minimal paperwork, ensuring the money arrives in your bank account as quickly as possible.

An area of specialty and expertise

The above are some examples, however we can offer loans for any business purpose at the lowest rates. Universal Finance has direct relationships with both institutional and private lenders for both full doc and low doc commercial loans. Our criteria is very flexible so when you fall outside the criteria or the banks simply say no Universal Finance is the only option.

We can offer Commercial Loans for the purchase or refinance of property from 7.99% per annum which is extremely competitive in comparison to a large proportion of commercial property interest rates in Australia. The reason we’re able to offer competitive rates for our commercial loans is that we work with a panel of lenders. You simply make one application with us, and we find a range of lenders who are willing to offer you financing and can source the best offer. This means you get the best commercial loan rates, without having to shop around and spend hours filling in forms.


We can also offer business loans from at the lowest interest rates in the market guaranteed. Commercial Lending has always been an area of specialty and expertise for the staff at Universal Finance and their knowledge of products and lenders are second to none. No other brokerage firm in Australia has access to our software model at this time. Having been developed in America and proven to be successful, Universal Finance has been provided with sole rights to the software. We are able to search thousands of product options and choose the most suitable product based on data provided by you.

Our specialist commercial finance software saves you both time and money. Just one application gives you access to thousands of potential lenders, and at the end of the process, you have the choice of the best commercial loans to suit your needs.

Private Commercial Lending

In addition to the institutional commercial lending options available Universal Finance can offer the largest network of private commercial lending solutions in Australia. We have direct access to thousands of private investors Australia wide to cater for every scenario.Private commercial loans work in much the same way as a loan from a bank or financial institution, except the money for the loan comes from a private individual or investor.

A private commercial loan can have many advantages for business owners. Because the loan isn’t being granted by a financial institution, there are usually less stringent requirements and more flexible terms. This means if you have a less than perfect trading history, this doesn’t matter, as long as you can afford to make the repayments going forward.

Some commercial lenders have a long process to follow to take out a loan. This can mean that settlement takes a long time and involves a lot of paperwork to complete. But at Universal Finance, we make the process fast and easy.

It’s difficult to find private commercial loans without a broker, as you’d need to be matched to someone who is willing to invest a certain amount in your type of business. Universal Finance has one of the largest panels of private lenders in Australia, and one application through us gives you potential access to all these lenders. Also, going through a legitimate broker such as Universal Finance ensures that you get a legal loan with a contract, so it’s no different than using a traditional lender.

Unlimited arrears and defaults acceptable

Rural security acceptable

Lowest interest rates

High LVR's up to 85% possible

Fast settlement

Largest range of private lenders in Australia

Flexible loan terms available

If you’d like to learn more about the range of commercial loans at the best commercial lending rates, please drop us a line. As Australia’s leading ‘difficult loan specialists’ we have secured funding for countless businesses who have had applications for commercial finance refused elsewhere.


Whatever your situation, if you’re looking for commercial loans online, the best thing to do is pick up the phone and call our team on (03) 9088 8369 or fill in our online form to get a quote. We can discuss your needs and start the application process if you decide to go ahead, ensuring that you get your money as soon as possible. Get in touch today to discuss financing your business.


What is a commercial loan?

A commercial loan is a type of loan that’s taken out for a business. Commercial lenders may offer loans to buy property, new equipment or stock, or fund a business expansion. Some commercial loans are also used in the purchase of a business, or to buy-out a partner who wants to leave. You may also want to take out a commercial loan if your business is suffering from a short-term cash flow problem. For example, if you’ve taken on a big contract, but are still waiting to be paid for the work. A commercial loan can help you with buying materials and keep your business on track until you get paid by your client.

What are typical commercial loan terms?

There’s not really a typical commercial loan, as they can be for small or large amounts, or for the short or long term. Commercial loan rates can vary a lot too and are often based on the businesses’ financial history and other details. If you’re thinking of taking out a commercial loan, you should speak to Universal Finance first, as we search our panel of lenders to find you a loan on the terms you want, and ensure you get the best possible interest rate.

Will I be able to get a commercial loan quickly?

Commercial loans can often be quite slow, as you need to produce a lot of paperwork and financials to get approved. However, because Universal Finance are commercial loan experts, we’ve streamlined the process to make it much simpler, so settlements are a lot faster. This is ideal for business owners who need to sort out their cash flow quickly.

What’s the purpose of a commercial loan?

A commercial loan can be used for all sorts of purposes. You may be looking to buy or start a business, or buy a partner’s share, or you may want to invest in a lease or buy a commercial property. Commercial loans can also be used when you need cash flow for things like buying stock or equipment.

What is the current interest rate on a commercial loan?

The interest rates on a commercial loan can vary, and when you get a quote, we can advise on the interest rates and repayment amounts. Universal Finance can find you commercial loans with interest as low as 7.99% per annum, which is very competitive when compared with other lenders. If you’d like to know the kind of interest rate we may be able to offer you, call us on (03) 9088 8369 and we can offer a quick quote.

Call one of our consultants today to find out more (03) 9088 8369

If you are looking instead for unsecured business finance: click the link to find out more.