favi

Caveat or second mortage possible

Short term between 3 months -30 years

No minimum income or trading history needed

LVR up to 80%

Bad credit accepted

What is property finance?

Running a business smoothly requires funds, at times when the business financials or cash flows are not strong enough are not enough to get the required funding for the business, a property finance can be one of the best funding options wherein you can get a low doc or no doc approval. A business loan for property owners is a flexible way to unlock the equity in your property and turn it into a funding source to maintain the smooth functioning of the business.

Putting in simple words, property finance is any financing transaction which is backed or secured by a property. A business owner secures a loan against property that can be either residential property or commercial property.

Are you eligible?

  • Have an active Australian Business Number (ABN)
  • The loan should be wholly or predominantly used for business or investment purpose

Our loan guide

Property Finance

Loan amount

$50k - $50m

Interest rates from

7.99% p.a.

Loan term

upto 30 yrs

Pre-approval time

24-48 hrs

Unconditional approval & settlement time

3-7 business days

Repayments

Principal & interest | Interest only | Capitalised interest with bullet repayment

Security

Required with funding possibilities up to 80% LVR

What you need to know

Can be used for

Buying/investing into new business

Buying Equipment

Developing properties

Disposing residual stocks

Other working capital needs

Documents required (low doc approval)

Valid identification proof

Security Details

Exit Strategy

Others depending upon loan product

Documents required (full doc approval)

ATO Portals

Financial statements and tax returns

Company / Individual tax returns

Benefits

Start-ups/new businesses eligible

Can borrow higher amount loans

Bad credit history can be considered.

*The information provided in critical information sheet is intended as a guide only. Please contact us for more information.

Unlock growth by releasing equity in your Property with Business Loan Against Property.

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The Most Popular Property Finance Products

Businesses operating in different industry could have different asset requirements and most of them can be financed through any of the above-mentioned options. Some of the most popular asset finance options are listed below

1st/2nd Mortgage loans

These loans are generally secured against real estate properties by the way of 1st or 2nd mortgage on the property

Max LVR up to 80%

Principal and Interest/ Interest only/ Capitalised interest options available.

Loan term 3 months -30 years

Mostly require valuation done through valuer

1st/2nd charge registered on the title of the property

No Doc loans without any minimum income/ credit/ age/ postcode requirement possible

Learn More
mortgage-loans

Caveat loans

Caveat loans are a type of business loan where in a caveat is lodged on the property by the lender against the loan.

Enables to get higher loan amount for the business

Generally, desktop valuation is done.

Caveat lodged on the property.

Loan term up to 5 years

Loan amount eligibility is assessed basis

Low doc /full doc approvals

Learn More
caveat-loans

Bridging finance

As the name suggests, a bridging finance is a short-term facility to bridge interim cash flow gaps

Max LVR up to 75%

Interest only/ Capitalised interest options available.

Loan term up to 12 months

No Doc loans without any minimum income/credit

Ideal for situations where one wants to purchase and sell a property simultaneously, Paying ATO debts etc.

Strong exit strategy required.

Learn More
bridging-finance

Commercial Property loan

A commercial property loan is a type of loan availed against commercial property.

Can go max up to 70% LVR

Both low doc and full doc loans available

Principal and Interest/ Interest only/ Capitalised interest options available.

Rental yields taken into consideration for full doc loans

Ideal for purchasing commercial properties, fund startup business, purchasing equipment for business etc.

Learn More

Residual Stock Finance

A residual stock finance is a finance against unsold stocks from a property developed by a developer.

Can get up to 70% LVR financing

Both commercial and residential properties eligible.

Loan term up to 36 months

Registered first mortgage required

Can be used to refinance a development facility loan/cash out.

Lender usually set up separate loan for each dwelling/unit to settle when the unit is sold.

Learn More

Development/Construction Finance

A construction or development finance is funding obtained to complete the construction/ development of a property.

Get the right equipment for the right construction task with construction equipment financing

Can go max up to 70% LVR

Single residence, duplex and low to medium density constructions.

Can be both residential or commercial site construction/development.

Loan term is tailored to the project.

Loans with no presale requirements available.

Learn More

What you should know about property loans for Business

Have questions? Speak to our experts!

1300 253 041 Contact Us

Things to keep in mind while applying for property finance

Finding the right property loan can be a stressful and time-consuming task. We at Broc Finance are empanelled with 50+ lenders and have extensive experience in property finance and endeavour to find the best loan options for our customers. So, instead of going through all the leg work, share your requirements with us and we will assist in getting the right loan for you.

There are many things that a business should consider. As a finance broker, we have witnessed impulsive decisions that have impacted the business and loan repayment. So, to help every reader avoid such a situation, consider the below points before applying.

While applying for the loan, it is very important to know the purpose. Since property finance involves risk on losing the asset, one should deploy the funds for the right purpose.

Even if the purpose justifies the need for funds, the business has to consider the second most important factor of loan which is repayment. After the loan is approved, the business has to repay the whole amount in equal monthly installments if it’s a principal plus interest or interest only repayment option. In case if it’s a capitalized interest option, one should be mindful of the bullet repayment at the end of the facility.

The process of availing of a loan is incomplete till the business finds the right lender. Based on the needs you as a business owner ensure to choose the ideal lender which has flexible terms apt to your requirements

Lastly, there is a possibility that you find two or three lenders that are offering exactly what you want. Now in such cases, you can simply compare the offer and check which offer will benefit the business. Based on the analysis, choose the right lender with the right offer for the business.

What are the benefits & disadvantages?

Benefits

No Doc funding possible

Can release equity in the property to invest in other ventures

Helps to bridge short term capital gaps

Interest only/interest capitalization options are available to better manage the cash flows

Timely repayment of your unsecured business loan helps build a strong credit history, which will help get competitive interest rates in the future.

Regular on time repayments help in building the credit history

Disadvantages

Generally higher interest rates than banks

Generally, Short term funding up to 36 months

Risk of losing asset in case of default

How do I apply for a property loan for business?

1. Submit Application

First step is to simply fill out the application form with the required information and loan request.

Apply now 1300 253 041

2. Get Indicative Quote

Once the application is received, our lending specialist would get an indicative quote within 24-48 hours.

3. Letter of Offer (LOO)

Once we receive the mandate to proceed basis indicative quote, we get a formal letter of offer from the lender.

4. Valuation and Legal Docs

On receipt of signed LOO, the lender would initiate valuation and get loan docs prepared.

5. Disbursement

Once we receive the mandate to proceed basis indicative quote, we get a formal letter of offer from the lender.

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Why should you choose Broc Finance?

Tailor made options

Being a small business owner, many of our clients are not sure of right loan product for their businesses. Our lending specialists understand their needs and recommend tailor made options.

Personal Consultation

Unlike business loan marketplace websites which use AI based algorithms to match your requirements, we provide obligation free personal consultation as every business is different and an AI based algorithm may not provide them the optimum solution.

personal-consultation

Competitive Pricing

We endeavour to achieve the optimum business loan solution for our clients at the most competitive pricing possible.

Clear communication

We understand the essence of time so don’t believe in wasting our customers time by giving false hopes. Transparent and clear communication is in our DNA.

Success Stories...

Our customers that were just like you!

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Customers that reached new heights with our support

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$100.0K

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Real results with real people.

99+ customer reviews

5.0

Aktaruzzaman Rasel

Aktaruzzaman Rasel

Thank you Neeraj Indraghanti and his team. Really apricated you help to getting the loan when we needed. We had an amazing experience with this company. We are so pleased with the service received from Neeraj. He went above and beyond to help us get out of the situation. The loan process was easy and hassle free. Looking forward to use your service in future too.
Tabitha Pomente

Tabitha Pomente

Working with Saroj and the Bronc Finance team has been an incredible experience. Their professionalism, knowledge, and support throughout the process have been outstanding. I couldn’t be happier with the service and results — highly recommended!
Don Hett

Don Hett

⭐️⭐️⭐️⭐️⭐️ Highly Recommend Saroj from Broc Finance! Saroj was incredibly helpful from start to finish. He listened to all my requirements, understood my situation, and got me the funding I needed super fast. I really appreciate how efficient and responsive he was throughout the whole process. If you’re looking for someone who actually cares and gets the job done without delays, Saroj is your guy. I highly recommend him for anyone needing funding support. A big thanks to Saroj and the team at Broc Finance for their great work. Wishing you all the best!
Mugdha Chandekar

Mugdha Chandekar

A Trusted Partner in Commercial Finance I had the pleasure to discuss with Broc Finance on a complex commercial mortgage transaction, and I can confidently say they are the experts and professinals in this space. If you're looking for a commercial mortgage broker who brings clarity, integrity, and genuine commitment to the table, Broc Finance is the one to call. Highly recommended for any business owner seeking tailored financial solutions.
Yogendra Jayadeva

Yogendra Jayadeva

Partnering with Broc Finance (and Saroj) has been a fantastic experience—seamless support, quick turnaround, and successful outcomes for even the trickiest business loan scenarios. Highly recommend them for reliable and efficient Business lending solutions!
Deepesh Parikh

Deepesh Parikh

Saroj knows his business. To the point guidance, everything from start to finish was as expected and confirmed by him. Always recommend him for sorting it your personal or business finances. Thanks a lot for all your help Saroj.
Daniel Butel

Daniel Butel

Saroj and the team are great, they are open and transparent with advice. Truly are advocates for your business and help to cut through the finance jargon that’s hard for business owners and operators to decipher
Zoltan Matrof

Zoltan Matrof

I wanted to express my sincere gratitude for your outstanding support in helping me secure finance. Your professionalism, clear communication, and dedication made the entire process smooth and stress-free. I truly appreciate your expertise and commitment—thank you for going above and beyond to assist me! World Gym Busselton

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Frequently asked questions

Securing huge amounts in loans with limited or no documents is not an easy task for businesses. Property finance as compared to other business loans offer to unlock equity in your property and get a no doc/low doc approval as well.

Getting a loan with a bad credit history is tough but not impossible. Especially when you’ve got a property to back your loan, your chances of getting a loan with a bad credit history improves.

The duration of property finance depends on the property finance product that you are after. Generally, the term ranges between 3 to 36 months.

Applying for property finance is quick and easy with Broc Finance. All you need to do is simply fill out the application form with all the required documents. Once your application is received, our team with get in touch with you for a personal consultation and can get an indicative quote for you within 24-48 hours. The funding is possible within 3-7 business days.

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