Melbourne commercial lending
Strategic finance for Melbourne investors and business owners.
From office suites to mixed-use developments, Aussie Dream Loans structures commercial funding that aligns with your cash flow, growth plans, and risk appetite. We negotiate with major banks, second-tier, and private lenders so you can secure the right facility.
Owner-occupied
Relocate or expand your premises with tailored repayments and flexible security options.
Investment
Fund retail, industrial, or mixed-use assets with loan structures designed for rental yield and capital growth.
Commercial finance built around your strategy
We examine serviceability, security structure, and future exit strategies so your lending supports growth rather than limiting it.
Cash flow modelling
Detailed serviceability assessments incorporating rental income, business turnover, and future projections.
Security structuring
Multi-security, cross-collateralisation reviews, and SMSF-friendly options to maintain flexibility.
Negotiation & reporting
We prepare lender presentations, negotiate pricing, and deliver approval conditions summaries so you can decide quickly.
How we deliver commercial results
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Step 1
Strategy session
Clarify project scope, timelines, and financial objectives with your stakeholders.
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Step 2
Lender matrix
We analyse lender appetite, pricing, and covenants to produce a shortlist aligned to your requirements.
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Step 3
Submission & negotiation
Detailed proposals, valuation coordination, and direct negotiation for competitive terms.
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Step 4
Settlement & review
We manage conditions precedent, documentation, and post-settlement check-ins to ensure your facility performs.
$50m
Commercial loans settled
Client case study
“Swati secured a blended fixed/variable facility with interest-only terms for our industrial warehouse acquisition, saving us over $120k in year one.”
Daniel – Melbourne logistics group
Commercial finance FAQs
Navigate valuations, covenants, and security requirements with clarity.
What LVR can I expect? +
Standard commercial LVRs range from 60–70%, though stronger covenants or alternate security can increase this. We outline scenarios for each lender so you can plan capital requirements.
Can my SMSF purchase commercial property? +
Yes. We coordinate limited recourse borrowing arrangements (LRBAs) with lenders that accept SMSF structures, ensuring the trust deed and compliance requirements are covered.
Do you assist with development finance? +
We source construction finance, residual stock loans, and mezzanine funding for boutique developments. Our network includes private lenders who can move fast on shovel-ready projects.
Let’s map your commercial funding strategy
Share the opportunity you’re exploring and we’ll respond with lender appetite, indicative pricing, and next steps within one business day.
Phone
0410 974 393Service area
Melbourne & Greater Victoria
Commercial property & business lending