Commercial Property Loans

Commercial property loans from Vía Private. First mortgage finance over completed commercial real property - retail, office, industrial, and mixed-use - for situations where banks are too slow, too rigid, or simply unwilling. We assess each deal on its individual merits, with indicative terms within 24 business hours.

Submit a Commercial Deal

Product Parameters

Loan size

$1,000,000 - $20,000,000

Maximum LVR - Office, Retail, Industrial, Mixed-use

Up to 75% of as-is value (metro), 60% (regional)

Maximum LVR - Childcare, Petrol Stations & other special-use

Up to 60% of as-is value

Loan term

6 - 36 months

Security

First registered mortgage over completed commercial real property

Asset types

Retail, office, industrial, warehouse, mixed-use, strata commercial, hospitality/accommodation, healthcare, specialised/alternative

Tenancy

Leased to unrelated third party preferred (related-party leases considered with evidence of business viability)

Valuation basis

As-is only - no "as if complete" or "best use" value credited

Repayment type

Interest only

Borrower entity

Company or trust with corporate trustee

All parameters shown are indicative and based on standard scenarios. We may work outside these parameters depending on the strength of the deal. Interest rates and establishment fees are not published online - they are provided in indicative terms issued to your broker. For our full pricing schedule, request the Broker Guide.

View full product parameters →

How it works

Property identified

Your client has identified a completed commercial property they need to acquire or refinance. The bank has declined, is too slow, or can't accommodate the complexity of the situation.

Vía Private assesses tenancy and value

We commission an independent valuation and assess the tenancy profile, WALE (weighted average lease expiry), and the income producing capacity of the asset. For vacant or value-add properties, we assess on as-is vacant possession value.

Loan settles, client executes their strategy

Whether your client is acquiring, refinancing, releasing equity, or buying time during a repositioning, the Vía Private loan settles on their timeline. Exit is via sale or bank refinance once the asset's performance metrics improve.

Is this the right product for your client?

This suits:

•Buyers of completed commercial property who need to move faster than bank credit processes allow
•Investors refinancing an existing commercial asset where the current lender has changed appetite
•Value-add investors acquiring vacant or under-rented commercial property ahead of re-leasing
•Business owners acquiring their own premises where the trading history does not satisfy bank requirements
•Business owner equity release: client owns their office or commercial premises and needs capital for a business acquisition, fitout, or working capital
•Post-completion hold: developer reached practical completion on a commercial building and wants to hold for income - Vía Private takes out the existing facility
•Vacancy or short WALE: lease is expiring or property is partially vacant - Vía Private takes a view on asset and location fundamentals at a conservative LVR
•Partnership buyout: one partner needs to buy out the other and the bank refinance timeline does not suit
•Mixed-use building: retail ground floor with offices above - banks often classify these awkwardly, Vía Private provides a single first mortgage on the whole asset
•Related-party lease: business owner operates from their own commercial premises - Vía Private can consider where the business is established and the tenancy is genuine

This product is not suitable for:

•Construction or development scenarios - we lend against completed property only
•Loans secured against "as if complete" or "best use" valuations
•Vacant land or sites awaiting development approval

Frequently Asked Questions

Do you lend on vacant commercial property?

Yes, on a case-by-case basis - provided the property is complete. We assess vacant commercial property on its as-is vacant possession value and the borrower's repositioning plan. Our LVR for vacant commercial is typically at the conservative end of our range. The exit strategy needs to be credible.

What WALE do you require?

We don't apply a minimum WALE threshold. We assess the tenancy profile in context - the quality of the tenant, the terms of the lease, and the market demand for the space. A short WALE on a well-located asset with strong market demand is very different from a short WALE in a soft market.

Do you lend on strata commercial?

Yes. Strata commercial lots - particularly ground-floor retail and office suites - are acceptable security. We assess strata commercial on the same basis as freehold: as-is value, tenancy, and exit strategy.

Do you lend on childcare centres and petrol stations?

Yes. Childcare centres, petrol stations and other special-use commercial assets are accepted, capped at 60% of as-is value to reflect the narrower buyer pool on exit.

Can my client use their own business as the tenant?

Related-party leases are considered where the business is established, the lease terms are commercial, and the business has a demonstrable track record. We'll need to see financials for the operating business. Speak to us about the specifics.

Got a deal that needs a private lender?

Submit your scenario and we'll come back with an indicative position - loan amount, LVR, term - within 24 business hours. If it doesn't fit, we'll tell you that too.