Commercial loans without the runaround
We structure and source commercial funding across banks and specialist lenders — with clear timeframes, requirements and costs upfront.
Commercial loans in Australia
We help Australian businesses secure commercial finance through banks and specialist non-bank lenders — structured around your deal, timeframe and documentation. This page covers four core solutions: Commercial Property Loans, Construction Lending, Lease Doc Loans, and Low Doc Commercial Loans. We'll confirm what's realistic early, explain requirements up front, and guide you from enquiry through to settlement.
Our commercial loan options include:
Commercial Property Loans
Purchase or refinance commercial property with funding structured around the asset, tenancy, and your business position. We'll confirm the most suitable lender lane and requirements upfront.
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Construction Lending
Funding for commercial builds and construction projects — including progress payments, cost-to-complete and realistic timeframes. We'll help structure the deal so it can be assessed cleanly.
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Lease Doc Loans
Lease doc lending can use the strength of a commercial lease and tenancy to support the application. We'll confirm the lender options and requirements based on the lease terms and security.
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Low Doc Commercial Loans
Low doc commercial finance for self-employed borrowers or scenarios where full financials aren't straightforward. Some lenders accept alternative documentation depending on the deal and security.
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Why Choose Pilbara Finance
Commercial lending is about fit and structure. We'll confirm what's realistic early and guide you through to settlement.
Clear lender options
Bank and specialist pathways, explained simply — terms, conditions and total cost.
Structured for approval
We package the deal clearly so lenders can assess it efficiently.
Credit check — only when needed
Indicative review first. If a check is required, we'll tell you before anything is run.
A simple process, start to finish
Tell us the basics, we’ll review the scenario, then we’ll map the most suitable options — including costs, timing, and what needs to happen next.
Tell us what you're trying to fund
Share the basics — asset, purpose, timeframe and docs you have. We'll confirm what's realistic and what we'll need next.
Call us: (08) 9122 3929We map the lender pathway
We compare bank and specialist options, then outline the requirements, likely timeframes and key conditions before we proceed.
Book an appointmentWe package and lodge the deal
Once you're happy with the approach, we prepare the submission properly and manage the process through to approval and settlement.
Enquire nowWhy Pilbara Finance?
Pilbara Finance helps business owners secure commercial funding with clear advice and hands-on support. We assess your deal properly, map the best lender pathway, and manage the process through to approval and settlement.
Whether you're funding a commercial property purchase, construction project, lease doc loan, or low doc commercial loan, we'll confirm what's realistic first — before any formal application is lodged.
Commercial finance — without the runaround
Commercial lending isn't one-size-fits-all. We compare bank and specialist options, explain the key requirements and likely conditions, and guide you toward the cleanest path forward (based on your security, timeframe, and documentation).
Non-conforming scenarios are welcome
If your deal doesn't fit standard bank policy — complex income, limited financials, tight timeframes, or minor credit events — it's still worth a conversation. We'll tell you what lenders will focus on and what we'll need to move quickly.
Private Commercial Loans
Private and specialist commercial loans are issued by lenders outside the major banks. They're often used when speed, flexibility, or documentation constraints make a traditional bank option difficult — or when you need a short-term solution while you execute a clear exit strategy.
Typically, bank lending is:
- 1 Lower cost when you fit policy
- 2 Longer terms available for established deals
- 3 More documentation and stricter servicing rules
- 4 Slower approvals for complex structures
On the other hand, private/specialist lending is typically:
- 1 Faster decisions and quicker settlements
- 2 More flexible on income verification and structure
- 3 Shorter terms (often used as a bridge)
- 4 Higher cost/fees, with a clearer exit required
Our job is to compare both pathways and recommend the option that gives you the best mix of certainty, speed, and structure — without wasting time.
Securing a Commercial Loan in Australia
Getting commercial finance doesn't have to be messy. With the right structure and the right lender, you can move faster, avoid dead ends, and keep the process clear from day one.
- 1 Understand the funding brief
- 2 Confirm documents and the story
- 3 Choose the best lender pathway
- 4 Package, lodge, and manage it through
We confirm what you're funding, the asset type, timeframe, and the key numbers — so we know what's realistic before going further.
We outline exactly what's needed (financials, BAS, lease, bank statements, ID etc.) and shape the deal so it stacks up for approval.
We compare bank and specialist options and explain the likely conditions, timeframes, and non-negotiables — before you commit.
Once you're happy with the approach, we prepare the submission properly and handle the process through to approval and settlement.
We won't run a credit check unless it's required and you've given consent.
Why Choose Pilbara Finance for Commercial Lending?
We help business owners secure commercial finance with a clear plan, the right lender pathway, and a properly packaged submission — without wasted time.
- 1 Extensive Lender Network
- 2 Fast Turnaround, Done Properly
- 3 Expert Structuring & Guidance
Access to bank, non-bank and private options — including commercial property, construction, lease doc and low doc pathways where they fit.
We confirm requirements upfront and package the deal right the first time — so approvals don't stall on preventable issues.
We help structure the loan to match your asset, entity, and cash flow — then manage the process through to approval and settlement.
Tell us what you're trying to fund and we'll map the fastest, most realistic path forward.
Partner with Pilbara Finance for Commercial Finance
Commercial property, construction, lease doc and low doc commercial loans — structured properly.
Tell us what you're trying to fund, the asset, and your timeframe. We'll map the right lender pathway and manage the process end-to-end — from strategy to settlement.
Commercial Property Loans • Construction Lending • Lease Doc Loans • Low Doc Commercial Loans
Prefer to talk it through? Call (08) 9122 3929
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Hey! Connect us with (08) 9122 3929, or email us through office@pilbara.finance, or fill the following form. We will contact you back within 1 hour or prior.
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