Commercial & Business Finance
From purchasing commercial premises and refinancing business debt to securing equipment leases and working capital facilities — we connect business owners and corporate entities with the right lenders and terms.
Key Strategic Advantages
How our accredited credit advisors structure this finance to protect your wealth and cash flow.
Commercial Freehold Funding up to 80% LVR
Access higher Loan-to-Value Ratios with extended loan terms up to 30 years with no annual reviews.
Low-Doc & Alt-Doc Facilities
Flexible underwriting options using accountant declarations or BAS statements for self-employed directors.
Customized Debt Structuring
Match repayment schedules to your operating cash flow cycles and capital expenditure plans.
Fast-Track Credit Decisions
Direct access to senior commercial credit managers ensures rapid turnarounds for time-critical deals.
Calculate Your Commercial Finance Numbers
Test scenarios using real-time Australian lending criteria.
The Commercial Finance Approval Process
Business & Financial Analysis
We review P&L, balance sheets, and cash flow forecasts to package your deal.
Commercial Tender
We present your scenario to specialized commercial lenders to drive competitive terms.
Valuation & Credit Submission
We oversee commercial property valuations and handle credit condition queries.
Execution & Facility Drawdown
We facilitate legal documentation and loan drawdown to finalize your transaction.
Commercial Finance Frequently Asked Questions
Does using Gravity Financial cost me anything?
No. Our complete mortgage advisory, comparison, packaging, and loan management is provided as a value added service with $0 out-of-pocket broker fee. We are remunerated directly by the chosen lender upon successful settlement of your loan. Lenders cannot charge you a higher interest rate or fee for going through a broker — in fact, we often negotiate exclusive broker-only discounts and cashback rebates.