Commercial Property Loans Sydney

Property backed business loans - Sparrow Loans

Sparrow Loans can help you manage your commercial property portfolio with our tailored commercial & investment property loans.

Need to release equity from your commercial property? Or have you found a great investment opportunity?

Our commercial property loans are designed to give you flexibility when you need it most. The team at Sparrow Loans can have your commercial property loan approval generally within 2 business days. When you work with Sparrow Loans, we’ll review your commercial property loan requirements and get approval for your loan at the most competitive interest rates. We have a different risk appetite, so we are flexible with less restrictive terms.

The Sparrow Loans Advantage

A smooth experience from start to finish with super-fast turnaround times.

Responsiveness

We assess your application quickly and will come back to you within 2 business days.

Support

Whether you are a business borrower or a referral partner, you will have a dedicated relationship manager to help you through the commercial property loan application process.

Trust

We work hard to provide a smooth commercial property loan application process with clear requirements. You can be sure that our funds are ready to settle when your loan is approved.

Are you a small business owner needing extra working capital with no hidden fees, surprises or hassle?

To get started you need
An ABN or ACN | To be registered for GST | Australian based

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Commercial Property Loan Key Features

Interest rates from 6.5% p.a.
Up to 70% LVR
No application or commitment fees
Approval within 2 business days
NSW, VIC & QLD Property accepted
Flexible Repayments available
Quick-release of funds within 2 weeks

Our Commercial Property Loans

Are you thinking about restructuring your property portfolio?

Managing a property portfolio comes with unforeseeable challenges in the current market. The impact that Covid-19 had on Australian commercial property owners was severe with rent relief measures to stabilise the economy during the pandemic. With the market stabilising now in 2022, commercial landlords can decide how to best manage their property portfolio in light of the new “normal” and new investment opportunities. It is an excellent time to reconsider your debt obligations to restructure your commercial property loans with CapEx responsibilities looming.

Due to the uncertainty, property valuations fluctuated as the economy’s future was unpredictable, and this created a lot of anxiety for commercial landlords struggling with their bank debt LVRs.

If the banks are squeezing you in the aftermath of Covid-19, we can help you refinance before your credit history is affected. As a private lender, we can approve your commercial property loan within two business days and settle within two weeks. And if you are building a property and need a building and construction lawyer, we are more than happy to help provide.

You can use our commercial property loans to finance your CapEx as well. If you have any upgrades, renovations, fit-outs or non-structural improvements on the horizon, Sparrow Loans are ready to help you in a tight squeeze.

We are also happy to help clients from Wollongong, Newcastle, Melbourne, NSW & Victoria.

We want to help you fund your next commercial property

Business Lifecycle Stages - a beginners guide

Why choose Sparrow Loans?

Flexible repayment options

Managing your cash flow has never been more accessible with our capitalised facilities. We can structure a flexible repayment option based on the rent relief you negotiate with your commercial tenants. Whether you want to capitalise 100% or a portion of the interest costs, we can accommodate this within the loan facility. You can lean on your property portfolio with our commercial property loan to get you through the next 12 months while rental income stabilises.

Have you found a new commercial property investment?

If you are a prime negotiator and have secured an offer on an investment property below the property’s market value, we can help you there too. We can lend against a current property valuation rather than the Contract Sale price. We do not penalise you for finding an excellent investment opportunity in this market. We can help you secure the property with a commercial property loan while establishing a rent history with any new or existing tenants before refinancing with a bank. We also consider service stations, pubs, motels and childcare facilities on a case-by-case basis.

Choose your loan term

Whether you need a loan for 1 month or 12 months, we give you the flexibility to choose your loan term. Your company must be at least 12 months old to access our commercial property loans. You must register for GST and domiciled in Australia with Australian directors. We lend against property located in New South Wales, Victoria and Queensland. We can consider property in metro locations up to 70% LVR and regional locations up to 65% LVR.

Apply in 3 easy steps for your Commercial Property Loan

Step 1

Complete our loan application form online – this takes about 5 minutes.

Step 2

Get a Letter of Offer with our rates, fees & any additional information required to proceed to unconditional approval.

Step 3

Receive your funds within 2 weeks from approval. That's how quick we are!

Commercial Property Loan Requirements

Current ABN
Current Australian business address
Registered for GST
All directors and owners of the business to be Australia-based

Property security
Loan Serviceability (if the interest is not capitalised within the loan facility)
Clear exit strategy

Commercial Property Loans FAQs

See some questions our lenders get asked all the time about commercial property loans. Have more questions? Call us anytime on 1800 254 374.

What happens if I can't make my repayments?

If there has been a downturn in your business or you find that you are unable to make one of your upcoming repayment obligations please call us at Sparrow Loans on 1800 258 374 and we will discuss alternative options available for you.

Can I make additional repayments off my commercial property loan?

To arrange an additional repayment on your commercial property loan, please contact Ulrika Lobo at Sparrow Loans on 1800 258 374.

What is a commercial real estate loan?

Investopedia defines a commercial property loan as a mortgage secured by a lien on commercial property as opposed to a residential property. In the case of Sparrow Loans, we can provide financing for any type of commercial real estate in Sydney, Melbourne or Brisbane such as a factory, warehouse, office space or any income-producing real estate that is used for business purposes including offices, retail, hotels, and apartments.

Do I need a property valuation?

Yes, you will require a valuation from a valuer that is on our panel. Please let us know if you have already obtained a valuation from another valuer prior to applying for a loan with us. If we are able to utilise your existing valuer, we will do so.

Will you lend to a business that is not registered for GST?

Your business will need to be registered for GST in order to be an acceptable borrowing entity with Sparrow Loans.

What is the minimum term of the commercial property loan?

You can choose your minimum loan term to match the length of time that you require the loan. This can be as little as 1 month.

Do you lend against the property value or the valuation report?

We lend against the value of the property noted in the valuation report on an “As Is” basis as if the transaction were an arms-length transaction.