SMART FINANCE FOR PROPERTY, GROWTH & EQUIPMENT – without the bank headaches
Whether you’re buying an office, fitting out a warehouse, purchasing a business, or refinancing an existing facility — commercial lending is a powerful tool. But getting approved (and getting the right deal) can be harder than it should be.
At Edgewater Finance, we make commercial loans simple, strategic, and tailored to your business needs. We work with self-employed clients, trusts, SMSFs, and company structures every day — and know how to structure deals that banks typically don’t.
what can a COMMERCIAL LOAN be used for?
- Purchasing a commercial property (retail, industrial, office, medical, etc.)
- Buying your own business premises
- Refinancing or consolidating existing commercial debt
- Purchasing a business or franchise
- Funding fit-outs or renovations
- Buying plant, vehicles, or equipment
- SMSF commercial property investment
who we work with
We specialise in helping:
- Self-employed business owners
- Commercial property investors
- Family trusts and company structures
- SMSFs buying commercial property
- Franchise buyers and multi-site operators
types of COMMERCIAL FINANCE we arrange
01
Commercial Property Loans
Buy offices, warehouses, shops, or medical suites — as an investment or for your own use.
02
Development Finance
Fund land acquisition, construction, or multi-stage developments. We help with pre-sales, valuation hurdles, and managing lender risk appetite.
03
Business Loans & Cash Flow Funding
Working capital, invoice finance, unsecured lending — short-term or long-term.
04
Equipment & Vehicle Finance
Buy cars, utes, tools, or machinery through tailored chattel mortgages or leases.
05
SMSF Commercial Lending
Buy your business premises inside your SMSF with a limited recourse loan (LRBA).
why choose EDGEWATER FOR COMMERCIAL LENDING?
We Understand Business
We know tax returns don't tell the full story. We know how to present BAS, management reports, and projections to get you approved.
Strategic Lending Advice
We look at loan structure, cash flow impact, asset protection, and long-term exit strategies — not just “what the bank will give you.”
Access to Specialist Lenders
Access to Specialist LendersMany banks have tightened commercial lending. We work with major banks, second-tier lenders, and private funders who think outside the box.
We Work With Your Accountant
Need funding inside a company, trust or SMSF? We’ll coordinate with your advisory team to get the structure right from the start.
Case Study
BELLA’S allied health clinic
Bella is a physio who had been leasing her clinic space for 7 years. She wanted to buy the property using her SMSF, but her bank wouldn’t help.
What we did:
- Arranged an LRBA through her SMSF
- Secured a 70% LVR loan with a lender that understands medical professionals
- Coordinated with her accountant to ensure the structure was compliant
- Helped her save on rent — while investing in her future
“I now own the clinic I used to rent — and it’s inside my super. Edgewater handled everything from start to finish.” – Bella T.
FAQs - COMMERCIAL LOANS
How much can I borrow for a commercial property?
Most lenders will go up to 70–80% LVR for owner-occupied and around 65–70% for investment properties. Higher LVRs may be possible with strong trading history or security mix.
Do I need full financials to qualify?
Not always. We work with low doc and lease doc lenders for self-employed borrowers who may not have full tax returns. BAS, bank statements, or lease agreements can sometimes be enough.
What’s the difference between residential and commercial lending?
Commercial loans usually:
- Require larger deposits
- Have shorter terms (15–25 years)
- Involve more lender scrutiny
- May carry slightly higher interest rates
Can I buy a commercial property through my SMSF?
Yes — using a limited recourse borrowing arrangement (LRBA). We help clients with SMSF commercial loans regularly, including structuring the trust, coordinating advisors, and securing compliant finance.