Commercial Finance
Grow Your Business with Strategic Lending Solutions
Modern, neutral, and refined — stability, growth, and clarity.
We deliver sophisticated commercial lending solutions tailored to your business objectives—whether expanding operations, acquiring property, upgrading equipment, or optimising cash flow.
Why Discerning Business Leaders Choose Grand Ocean
Business Finance Specialists
Deep expertise in commercial lending, serviceability structures, and tax optimisation for superior outcomes.
Exclusive Lender Access
Strategic relationships with 40+ premium lenders unlock competitive rates and flexible terms.
Industry Intelligence
Cross-sector experience matches your business to the right lenders for optimal results.
Speed & Precision
Streamlined applications and strong lender relationships deliver approvals in 48–72 hours.
Our Commercial Finance Solutions
Commercial Property Loans
Secure property to drive business growth—from first premises to portfolio expansion.
What We Finance: Offices, retail, warehouses, hospitality venues, medical centres, manufacturing facilities.
Features: $250k–$50M+, LVR to 70%, terms to 30 years, flexible structures.
Benefits: Build equity, eliminate rent, tax advantages, SMSF options.
Business Acquisition Finance
Acquire established businesses with optimal funding architecture.
We Finance: Established businesses, franchises, professional practices, retail/hospitality, trades.
Structure: LVR to 70%, blended finance, working capital, security optimisation.
Assessment: 2–3yr financials, sector dynamics, acquirer experience, cash flow projections.
Development Finance
Turn development vision into reality with specialised construction funding.
Types: Residential subdivisions, townhouses/apartments, commercial/industrial, mixed-use projects.
Structure: Land acquisition + construction drawdowns, 65–75% LVR, interest capitalised.
Requirements: Feasibility study, plans/permits, QS estimate, experienced team, clear exit strategy.
Commercial Cash Flow Lending
Working capital solutions to fuel growth and manage seasonal demands.
Options: Overdrafts ($10k–$500k+), trade & invoice finance (80–90% advance), debtor finance, stock & inventory funding.
Equipment Finance: Operating leases preserve capital with tax-deductible payments and flexible end-of-term options.
Equipment & Vehicle Finance
Acquire essential business assets without constraining working capital.
What We Finance: Vehicles, plant, medical equipment, IT systems, manufacturing machinery, hospitality fit-outs.
Options: Chattel mortgage, finance lease, operating lease, commercial hire purchase.
Features: $5k–$5M+, 2–7 year terms, up to 100% LVR, instant asset write-off eligibility.
SMSF Property Lending
Invest in commercial property through your Self-Managed Super Fund.
Acquire: Commercial properties (lease to your business), residential investments, industrial, retail.
Features: LVR to 70%, terms to 30 years, LRBA/bare trust structure.
Tax Benefits: 15% tax in accumulation, 0% in pension phase, diversify beyond equities.
Business Refinancing & Debt Consolidation
Optimise your debt structure for better rates and improved cash flow.
Reasons: Lower rates, access equity, consolidate debts, switch rate types, remove restrictive covenants.
Benefits: Single payment, reduced overall rate, smoother cash flow, simplified administration.
Bridging & Caveat Loans
Fast, short-term finance for time-sensitive opportunities and urgent needs.
Use Cases: Auction deposits, settlement shortfalls, working capital injections, urgent acquisitions.
Features: 24–48h approvals, 3–5 day funding, LVR to 70%, 1–12 month terms, clear exit required.
Specialised Industry Finance
Sector-specific expertise across diverse industries.
- Healthcare & Medical: Practices, equipment, pharmacy
- Hospitality & Tourism: Venues, accommodation
- Professional Services: Accounting, legal, financial
- Construction & Trades: Fleets, plant, workshops
Understanding Commercial Lending
How Commercial Loans Differ from Residential
- Serviceability: Assessed on business cash flow & profitability; typical DSCR 1.25–1.50x.
- Security: Registered mortgages, GSAs, and director guarantees are common.
- Rates: Usually 1.00–2.00% above residential; ~7.00–9.50% p.a. depending on strength.
- Documentation: Financials, tax returns, BAS, trading accounts, business plans.
The Commercial Loan Application Process
Initial Consultation
Assess objectives, finance needs, and current position. Complimentary & confidential.
Finance Strategy
Design optimal structure and compare options from 40+ lenders with clear recommendations.
Pre-Approval
Indicative terms for stronger applications—know capacity, speed final approval.
Application Prep
Comprehensive proposal: analysis, projections, valuations, serviceability.
Submission
Handle queries, valuations, coordination, and negotiate optimal terms.
Credit Approval
Formal offer with terms, rates, fees, security. We review everything before you sign.
Settlement
Legal docs prepared, mortgages registered, funds settle. Often within days for assets.
Ongoing Support
Annual reviews, market monitoring, proactive refinancing as your business evolves.
Fueling Australian Business Growth with Strategic Finance
To empower ambitious business owners with tailored lending solutions that turn opportunity into achievement. We make commercial finance simple, strategic, and results-driven—combining deep market intelligence, access to specialist lenders, and a commitment to long-term partnership.