Brokers > Commercial loan solutions
Building better business
More ways to say ‘yes’
Flexible Commercial and SMSF Commercial property loan solutions designed to help brokers back more real world business scenarios, with confidence.
Rates from 7.79%
* Prime Full Doc loans up to 65% LVR and $4m
Built to give brokers more ways to say 'yes' to business
MA Money Commercial loans are designed for the realities brokers face every day. From business owners looking to grow, to clients with complex income or credit histories, our approach focuses on practical assessment and flexible structures, not unnecessary barriers.
Designed for real world commercial deals
Our approach pairs your BDM with a scenario specialist to workshop deals upfront and provide clarity before you submit. With flexible income verification and conditional approval within 48 hours for full-packaged applications, you get greater certainty earlier in the process.
- Loans up to $8m for both Commercial and SMSF Commercial
- No annual reviews, set and forget facilities
- Loan terms up to 30 years
Say ‘yes’ to fast, flexible lending for your clients.
Turn existing clients into new opportunities
Many of your residential clients are also business owners. Our commercial solutions are built to help you expand your service offering without changing how you work, giving you more confidence to say yes as your clients’ needs evolve.
- Simple structures that complement your resi workflow
- Simple submission with ApplyOnline
- No clawbacks and fast assessment
Frequently asked questions
1. What commercial lending solutions are available?
MA Money offers Commercial Loans and SMSF Commercial Loans for a range of customer needs, including purchases, refinances, commercial investment, commercial owner-occupied scenarios, cash out, debt consolidation and ATO debt solutions.
2. What are the key Commercial Loan features?
Commercial Loans are available up to $8 million, with loan terms up to 30 years and LVRs up to 80%. Features include no annual reviews, full offset, unlimited cash out up to the product’s maximum LVR for a stated business purpose, unlimited debt consolidation and personal guarantee only, with no GSA requirement.
3. What income verification options are available?
MA Money offers four commercial income verification options: Full Doc, Alt Doc, Lease Doc and Light Doc. Refer to the Commercial Product Guide for more information.
4. What types of commercial security are accepted?
Acceptable commercial securities include retail shops, strata offices, industrial properties, warehouses, commercial vacant land and storage units with no minimum size requirement. Category 1, 2 and 3 locations can be considered. Development sites, farming or rural properties, hotels, pubs and specialised securities are not accepted.
5. Can borrowers access cash out?
Yes. Cash out is available up to the product’s maximum LVR for a stated business purpose. Broker notes are required to support the cash out purpose, helping credit understand how the funds will be used and how the loan benefits the borrower.
6. Can ATO debt or other debts be consolidated?
Yes. Unlimited debt consolidation can be considered, including the payout of tax debts under Near Prime, subject to policy requirements. This can help customers simplify their position and bring their debts into one facility.
7. What SMSF Commercial Loan options are available?
SMSF Commercial Loans are available up to $8 million, with LVRs up to 80% and loan terms up to 30 years. Corporate or individual trustees can be accepted, with up to six members, no liquidity or net asset testing, and future member contributions considered.
Dedicated BDM support
Our responsive and experienced Business Development Managers are here to support you every step of the way. Backed by a Credit Development Manager, they’re ready to provide quick decisions and expert guidance on every scenario.