Commercial Loans

Short term commercial loan

Our short term commercial loan can help you say yes to new opportunities and provides fast access to funds when you need it most.

Liberty Commercial loans

Give your business the boost it needs

With our short term commercial loan option, you can get a quick cash injection to support you on your next adventure.

  • Fast business finance solution

  • Ideal for investments or acquisition

  • No financials required

  • Rates from 9.80% p.a.#

Easy to understand features, variables and fees


Maximum LVR++ 70%
Maximum loan amount1
Minimum loan amount
Principal and interest
Interest only
Maximum loan term
Up to 3 years
Repay weekly, fortnightly, monthly
Owner occupier & investor


Application fee^^
From $795
Establishment Fee^^^
From 1.00%
Service fee (per month)
Valuation fee
Settlement fee
Documentation fee
Deferred facility fee^^^^^
Discharge fee^^^^^^

Ready to get moving?

Wherever you are in your journey, help is here however you need it.

Calculate your repayments

Our easy to use online calculator can help you work out what your loan repayments will be.

Contact a trusted adviser

Your local Liberty Adviser will be able to look at your financial situation and help you decide the best way forward.

Request a call back

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Frequently asked questions

  • 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.

  • Whether you need funds for investment, acquisition, or other cash demands, a short-term commercial loan can deliver a fast finance boost to make the most of opportunities that arise. While it can be used for virtually any business purpose, it may not always be the best option for your goals or plans. For support to review your options and determine which option is right for your business, a Liberty Adviser can help.

  • 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 you reach your individual 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.

  • Liberty’s free-thinking commercial loans were designed with borrowers in mind. Whether you’re looking to invest, or to help boost your business, we have a wide range of 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 goals. For support determining if a low doc, low rate, long term or short-term commercial loan is right for your investment goals, speak with a Liberty Adviser.


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Other loans you might like:


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



Find out more

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



Find out more

Things you should know:

#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.

++80% LVR available for residential securities only and up to 70% for commercial securities.

1Subject to loan to value (LVR) restrictions.

^Other fees and charges are payable.

^^Application fee of $1,045 may apply depending on assessment criteria.

^^^The establishment fee is calculated as a percentage of the loan amount and has a minimum fee of $2,500 or $5,000 depending on assessment criteria.

^^^^^Deferred Facility fee is calculated as a percentage of the loan amount and is only payable if the loan is repaid before the earlier of the end of the term or the third anniversary of settlement.

^^^^^^Discharge fee of $395 plus legal fees and government charges are due upon loan finalisation.