Commercial Loans

Commercial loans for free thinkers

Unleash your investment potential with our free-thinking commercial property loans.

What do you want to do?


Low rate commercial loan

Funds to support your commercial investment plans.

  • Ideal for business premises
  • 30-year loan terms
  • No annual reviews
  • Borrow up to 80% LVR



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Lease income loan

A simple commercial loan serviced via lease income.

  • Ideal for property investors
  • Service loan using lease income
  • 30-year loan terms
  • Borrow up to 80% LVR



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Short term commercial loan

A speedy commercial loan for a business boost.

  • Fast business finance solution
  • Suitable as a short-term loan
  • Ideal for investments or acquisition
  • No financials required



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Low doc commercial loan

A flexible commercial solution to help you thrive.

  • Flexible income verification
  • Borrow up to 80% LVR
  • Suits self-employed
  • Redraw facility



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Other options to consider:


Secured business loan

Smart funding to help your business grow. A low-rate loan for growing businesses.

  • Loans up to $2M*
  • Flexible security options
  • Wide range of loan purposes
  • Up to 30-year loan terms



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Low doc business loan

Access the funds you need without all the paperwork.

  • Loans up to $2M*
  • Secured against commercial or residential property
  • Alternative income verification
  • Up to 30-year loan terms



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Commercial SMSF loan

Put your super to work in a commercial property investment.

  • Maximum loan $4M1
  • Suitable for owner-occupiers
  • No minimum contributions required
  • Borrow up to 80% of property value#

Rates per annum from#


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Flexible business loan

Get the funds you need without mortgage security.

  • Loans up to $2M*
  • A flexible loan with no mortgage security needed
  • Ideal for growing businesses
  • Up to 5-year loan terms



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Business line of credit

Access to credit when you need it most.

  • An approved line of credit loan
  • Ideal for all kinds of business borrowers
  • Improved cash flow benefits
  • Access funds when you require them



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Liberty Commercial loans

Calculate your loan repayments

Use our simple commercial loans calculator to work out how much your ongoing repayments might be.

Experts in commercial loans for free thinkers

Learn more about commercial loans to power your investment plans.

Ready to get started? Your local adviser can help.

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Liberty commercial loans FAQs

  • A commercial loan is designed to help you invest in commercial property, fund business operations or to buy business equipment. A commercial loan typically uses commercial property as the security and can be an ideal option for those looking to purchase a business premises or build a commercial property portfolio. With a range of free-thinking commercial lending options, Liberty has competitive solutions for all kinds of borrowers.

  • Commercial loans can be used to help grow your business, buy new assets, invest in property, or consolidate business debt. Essentially, you can use a commercial loan for any worthwhile purpose for your business. Contact a Liberty Adviser today if you are interested in how a commercial loan could help you take your business to the next level.

  • To apply for a commercial loan, you may need to provide details of the property or purpose of the loan, plus documentation of your current financials. Documentation requirements can vary based on the type of commercial loan you are looking for, and Liberty also offers a low doc option with flexible income verification. For support to review your options and determine which option is right for you, a Liberty Adviser can help.

  • If you’re looking to build your property portfolio, a commercial loan can be a great way to get ahead. Not only can a commercial property loan help to increase cash flow, but it can also support you to diversify your portfolio. And, as commercial properties tend to have longer rental periods, they can provide greater rental certainty with fewer ongoing expenses. With a range of flexible commercial lending options, we’re here to help free thinkers reach their investment goals.

  • At Liberty, we understand that things don’t always go according to plan, and that there is often more to the story than what’s listed in a borrower’s credit file. We assess each commercial loan application on a case-by-case basis to provide tailored lending solutions, even if you have a blemish on your credit history. We also offer low doc commercial loans which may be suited to customers whose credit history is a little more complicated.

  • If you have a self-managed super fund (SMSF), you may be able to use it to take out a mortgage on commercial property. Some SMSF members purchase commercial properties to help diversify their investment portfolio. For commercial property purchased with an SMSF, members may be able to use the property – provided it’s being used exclusively for their business purposes. To learn more about commercial loans and SMSFs, speak with a Liberty Adviser today.

  • Liberty commercial loans were designed with borrowers in mind. Whether you’re looking to invest or give your business a boost, we have a range of free-thinking options that give you flexibility. We also take the time to understand your circumstances so we can help you find the best loan match for your investment goals. To explore if a long term, short term, low doc or low rate commercial loan is the right fit for your situation, speak with a Liberty Adviser today.

Our innovation and flexible solutions have helped over 850,000 free thinkers.

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Other types of loans for free thinkers

Things you should know:

1Subject to LVR restrictions.

#Higher interest rates may apply. The actual interest rate applicable will depend on our assessment criteria and the loan to value ratio. Please call 13 11 33 or speak to your local Liberty Adviser for more details.

*Loan amounts may vary based on information provided.