Buying a commercial property—whether it’s an office, warehouse, or retail space—is a big move. And qualifying for the right loan is key to making it happen smoothly. Here’s a step-by-step guide to help you prepare and improve your chances of approval.
✅ Step 1: Know Your Purpose
Are you buying to occupy, invest, or expand? Lenders assess risk differently depending on whether you’re using the property for your own business or leasing it out.
Step 2: Get Your Financials in Order
You’ll need:
- Business financial statements (usually 2 years)
- BAS and tax returns
- Profit and loss reports
- Personal income details (if applicable)
Strong, consistent cash flow is a major plus.
Step 3: Prepare Your Documentation
Include:
- Business plan or investment strategy
- Details of the property (location, type, valuation)
- Lease agreements (if tenanted)
- Asset and liability statements
Step 4: Understand Loan Structure Options
Commercial loans can be:
- Fixed or variable
- Interest-only or principal & interest
- With or without offset/redraw features
Choosing the right structure can improve cash flow and flexibility.
Step 5: Choose the Right Lender
Different lenders have different appetites for commercial risk. At Molomo, we compare options across the board to find the best fit for your business model and goals.
Step 6: Get Expert Support
Commercial lending is complex—but it doesn’t have to be confusing. We guide you through every step, from pre-approval to settlement, making sure your loan is structured for success.
Ready to explore commercial property finance?
Let’s talk about what fits your business—not just the paperwork.
