Innovative Lending Solutions

40+ lenders accessed

Direct broker access

Australian Credit Licence #387856

08 · Commercial

Commercial finance for
businesses that move.

Commercial property, business acquisition, working capital, expansion. Whatever your business needs to make happen next, we structure the finance.

Book a Strategy Call → Call (03) 9967 1678

Indicative Rates · Commercial Loans

Commercial Variable (Secured)7.24% p.a.

Commercial 3-Yr Fixed (Secured)6.85% p.a.

Business Unsecured11.40% p.a.

Indicative rates only. Actual rates depend on lender, LVR, file profile and current market. Book a strategy call for precise figures matched to your scenario.

What's covered

Commercial Loans — end to end.

Every angle of commercial loans, handled by one team that knows your file.

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Commercial Property Purchase

Office, retail, industrial, warehousing or mixed-use. LVRs typically 65-80% depending on property type and tenant strength.

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Business Acquisition

Buying an established business — goodwill, plant, fitout, and sometimes the property. Structured against EBITDA, vendor finance, or earn-out.

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Working Capital & Cash Flow

Lines of credit, overdrafts, invoice finance and seasonal facilities. For businesses with timing gaps between revenue and expenses.

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Fitout & Expansion Finance

New premises, renovation, or expansion fit-outs. Structured against the lease term and business cash flow.

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Development Finance

Residual stock, construction and development funding for property professionals and investors with experience.

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Trust & Company Structures

Loans into trusts, holding companies and complex ownership structures — including foreign investor and migrant business owner facilities.

Why Wood & Weiss

A different kind of commercial loans brokerage.

Real broker access. Real strategy. Real outcomes.

Real lender relationships

Commercial deals turn on relationships. We have direct lines into commercial credit teams across major and specialist lenders.

Self-employed specialists

Co-director Moishe focuses on self-employed and business owner files. Alt-doc, low-doc, complex income — we know how to present them.

Faster turnarounds

Commercial files done right move faster. We structure submissions so credit assessors approve cleanly, not back-and-forth for months.

Beyond the loan

We work alongside your accountant, lawyer and business advisor to make sure the loan fits the wider business plan.

How it works

From first call to settlement.

Four clear steps — managed end to end, with you in the loop at every stage.

Initial scoping call

Quick 30-minute conversation to understand the business, the deal, the timeline, and the documents we will need.

Indicative term sheet

Based on your file we approach 2-4 suitable lenders for indicative terms — rate, LVR, fees, conditions. You see the options side by side.

Formal application

Once you select a direction, we manage the formal application, valuations, due diligence and credit submission.

Settlement & ongoing

We coordinate settlement with your lawyer and the lender, then remain available for facility reviews, top-ups and refinance windows.

FAQ

Commercial Loans — common questions

Secured or unsecured?

Secured commercial loans (backed by property or business assets) typically have rates from ~6.85%. Unsecured business loans are faster to settle but cost more — typically 9-15% depending on file strength. The right choice depends on the urgency, the amount and what assets you can offer as security.

What LVR can I get on commercial property?

Lender appetite varies significantly. Investment-grade office or retail with strong long-term tenants can go to 75-80% LVR. Industrial typically 65-75%. Specialised properties (childcare, hotels, petrol stations) often lower. We match the deal to the lender most appetised.

Do you offer low-doc or alt-doc commercial loans?

Yes — particularly relevant for self-employed business owners whose tax returns understate their real income. Lender panels are narrower and rates slightly higher, but for the right file these are the difference between approval and rejection.

Can you fund business acquisitions?

Yes, business acquisition lending is a core service. We structure against EBITDA multiples, vendor finance, earn-outs, and where applicable, the underlying property. Banks typically want strong industry experience and clear due diligence.

How long does a commercial loan take to settle?

Working capital and unsecured facilities can settle in days. Secured commercial loans typically 4-8 weeks depending on valuation, legal and lender. We give you a clear timeline at the outset and manage all parties to keep it on track.

Do you charge a fee for commercial work?

For straightforward commercial loans we are paid commission by the lender. For complex, specialist or low-doc files we may charge a service fee, always disclosed and agreed up front.

Jeff & Moishe — Co-directors Real broker access · 5.0★ across all reviews · Melbourne-based, Australia-wide

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Talk to a real broker. Today.

30 minutes with Jeff or Moishe. We'll review your position, map your options across 40+ lenders, and give you a clear next step. No script. No upsell.

30-minute strategy call (phone or video)
Borrowing position review and lender matching
Written follow-up with clear next steps
Direct director access — Jeff or Moishe handles your file

Pick a time that suits you

Jump into our live booking calendar and lock in a 30-minute strategy call with Jeff or Moishe — phone or video, whenever works for you.

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Ready to make a move?

Book a 30-minute strategy call. Free. No obligation. Talk to a real broker today.

Book Strategy Call → Call (03) 9967 1678