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Commercial Property Finance in Australia: How Innovate Funding Helps Businesses Secure 60% LVR at 9% p.a.
- Innovate Funding
- Nov 6, 2024
- 3 min read
Updated: Nov 8
Understanding Commercial Property Finance in Australia
Securing the right commercial property finance in Australia can be the difference between business growth and missed opportunity. With banks tightening their lending criteria, many Australian companies are turning to non-bank and private lenders for faster, more flexible solutions.
At Innovate Funding, we specialise in commercial property finance that adapts to your business goals. Our 60% Loan-to-Value Ratio (LVR) loans, offered at a competitive 9% per annum, give clients quick access to capital while maintaining manageable risk and cash flow flexibility.
1. What 60% LVR Means in Commercial Property Finance
A Loan-to-Value Ratio (LVR) measures how much of a property’s value you can borrow. For example, if your property is worth $1 million, a 60% LVR means you can borrow $600,000, covering the remaining 40% through equity or other funding sources.
Why 60% LVR Is Ideal
Lower Risk Exposure: A balanced LVR protects both the borrower and lender, resulting in better interest rates and manageable repayments.
Improved Cash Flow: With moderate leverage, businesses can preserve liquidity for daily operations or strategic investments.
Growth Enablement: A 60% LVR at 9% p.a. empowers business owners to expand, upgrade, or refinance without overstretching finances.
This balanced structure makes commercial property finance in Australia a practical tool for sustained business growth.
2. What Makes Innovate Funding’s 9% p.a. Commercial Loans Stand Out
In the Australian non-bank lending market, interest rates vary depending on loan type, risk, and property asset value. At 9% p.a., Innovate Funding’s 60% LVR loans are among the most competitive for commercial borrowers who need speed and flexibility.
Our Lending Advantages
Transparent Terms: Clear documentation with no hidden fees or balloon payments.
Fast Approvals: Most applications approved within 72 hours, ensuring you can act quickly.
Flexible Repayment Plans: Options structured around your business’s cash flow and seasonal cycles.
This combination of affordability, transparency, and efficiency makes Innovate Funding a leader in commercial property finance in Australia.
3. Why Choose Non-Bank Lending for Commercial Property Finance
Working with a non-bank lender like Innovate Funding gives you access to customised lending that banks often can’t provide.
Key Benefits
Simplified Approvals: We focus on the property’s value and your business potential, not just credit scores.
Tailored Solutions: Every loan is structured to fit your goals — from purchasing a warehouse to developing a mixed-use site.
Speed to Settlement: We move quickly so you can secure your property before the competition.
Explore related finance solutions:
Secured Business Loans
4. Client Case Study: 60% LVR at 9% p.a. in Western Sydney
A logistics business in Western Sydney approached Innovate Funding to finance a $1.5 million commercial warehouse. They needed funds fast to outpace competing buyers.
Our Process
Consultation (24 hours): Reviewed property, equity, and financial objectives.
Approval (3 days): Secured $900,000 (60% LVR) loan at 9% p.a. within 72 hours.
Customised Terms: Adjusted repayments for their seasonal revenue model.
Settlement (1 week): Funds released within seven days, allowing them to purchase and move operations swiftly.
This success story showcases how non-bank commercial property finance in Australia can deliver results when timing is critical.
5. Is 60% LVR at 9% Right for Your Business?
Before applying, consider:
Do you have 40% equity to contribute?
Is timing essential for your property acquisition?
Do you want to preserve cash flow while expanding your assets?
If you answered yes, this tailored commercial property finance solution could be the right move for your business.
6. Start Your Commercial Property Finance Journey Today
At Innovate Funding, we make commercial property finance in Australia accessible, transparent, and fast.
Our experienced team offers free consultations to help assess your property finance goals and design a structure that fits your strategy.
Contact Innovate Funding today to explore flexible 60% LVR commercial property loans at 9% p.a. and secure your next property with confidence.
Frequently Asked Questions (FAQs)
1. What is commercial property finance in Australia?
It’s a type of funding that allows businesses to purchase or refinance commercial real estate, such as offices, warehouses, and retail premises.
2. What does a 60% LVR mean?
A 60% LVR means borrowing 60% of your property’s value while contributing the remaining 40% as equity, offering a balanced and secure finance option.
3. Why is 9% p.a. considered competitive?
In the non-bank lending market, 9% p.a. for a commercial loan is highly competitive — especially for quick approvals and asset-based lending.
4. How long does approval take?
Most loans are approved within 48–72 hours, provided all required documentation is submitted.
5. Can I refinance existing debt?
Yes. Business refinance loans allow businesses to consolidate debt and release equity efficiently.
6. What types of properties qualify?
We fund industrial, commercial, retail, and mixed-use properties across Australia
