Finance built around commercial realities.
Clear guidance, considered structures, and commercial loans that support long-term decisions.
Commercial property finance is very different from residential lending — and the details matter.
Loan structure, cash flow, risk profile and lender appetite all play a role in what’s achievable and sustainable over time.
We support owner-occupiers and investors by helping them understand their commercial loan options and choose finance that aligns with their strategy — not just short-term availability.
Why clients choose Extra Mile
- Clear, practical explanations of complex lending structures
- Access to lenders active in the commercial property space
- Experience supporting both owner-occupiers and investors
- Transparent discussions around risk, terms and flexibility
- End-to-end support through approval and settlement
Common use cases for commercial loans
Commercial loans are commonly used for:
- Purchasing commercial property
- Buying owner-occupied premises for a business
- Acquiring investment property (such as retail, office or industrial assets)
- Refinancing existing commercial debt
- Supporting business expansion through property ownership
Our role is to help you understand feasibility, structure and trade-offs before moving forward.
Choosing the right commercial loan structure
Commercial loans are typically assessed more conservatively than residential loans.
Lenders consider factors such as property type, lease arrangements, income stability, loan-to-value ratios and the borrower’s broader financial position. Loan terms, interest rates and flexibility can vary significantly depending on whether the property is owner-occupied or held as an investment.
We explain how these variables affect your options, so you can make informed decisions with a clear view of both opportunity and risk.
Big decisions. Real guidance. Real outcomes.
What clients say after going through the process with Extra Mile.
How commercial loans work
Step 1 - Assess the opportunity
We review the property, intended use, income profile and overall financial position to understand what’s realistic.
Step 2 - Compare lender appetite and structures
We identify lenders aligned with your scenario and compare loan terms, rates, fees and flexibility — not just approval likelihood.
Step 3 - Apply and manage settlement
We coordinate the application, support documentation requirements, liaise with the lender, and guide you through to settlement.
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All loans are subject to lender approval and eligibility criteria. Fees and charges may apply.
What you’ll typically need
Requirements vary depending on the lender and property, but most applications will involve:
- Identification
- Financial statements
- Property details
- Lease information (if applicable)
- Details of existing liabilities
Frequently asked questions
Are commercial loan rates higher than residential loans?
Often, yes. Commercial loans are assessed differently due to risk and property type. We’ll explain how this affects pricing and structure.
What’s the difference between owner-occupied and investment commercial loans?
Owner-occupied loans are tied to a business using the property, while investment loans rely more heavily on rental income and lease terms. This can impact lender requirements and loan conditions.
Can commercial property be purchased through a company or trust?
In many cases, yes. Structure matters and can influence lender appetite and loan terms.
How long does approval usually take?
Timeframes vary depending on complexity, documentation and lender processes. Once we understand your scenario, we’ll give you a clear expectation.
Is commercial lending more restrictive than residential lending?
Generally, yes. Commercial loans involve more detailed assessment, which is why structure and preparation are important.
Contact us
Our Adelaide office
We’re based in Adelaide and support clients across South Australia and Australia-wide.