Business commercial loans

What sets us apart

Business lending works best when the advice is clear and the process is organised. We take time to understand your business, your cash flow, and what you are trying to achieve before we recommend a lender or structure.

You get straight answers, careful document preparation, and consistent updates. We compare suitable lenders and specialist providers to find an option that fits your goals and your timing.

Award winning commercial loan brokers

How we can help

Commercial finance can involve more moving parts than a standard home loan. Lenders look closely at business performance, cash flow, security, and the purpose of the funds.

We help you clarify the funding need, prepare the right documents, and compare suitable options across banks and specialist lenders. You will understand the requirements, the trade offs, and the likely steps ahead so you can make decisions with confidence.

Our loan services

Explore our services and resources

Property development finance

 

Lenders require absolute proof of profitability and viability before releasing development funds. We explain exactly what documentation is needed to satisfy credit teams and project evaluators.

We act as your intermediary, presenting a professionally packaged, airtight funding proposal to our network of specialised lenders.

Outcome: A properly structured development facility that helps maximise your final return on investment.

Non conforming loans

 

If standard bank criteria does not fit, specialist lenders may offer options for complex circumstances and credit histories still today.

We explain costs and conditions clearly, then prepare the information lenders need for review.

Outcome: Clear path forward with realistic options now.

SMSF loans

 

An SMSF loan can fund an investment property when strict compliance requirements are met and you want to leverage your superannuation savings today.

We confirm borrowing rules and coordinate the complex legal details with your advisory team, so everything stays aligned.

Outcome: Secure property investment with clear steps ahead.

Business & commercial loans

 

Business lending can support working capital, cash flow, equipment, or commercial property when growth plans require funding support right now.

We clarify purpose, prepare documents, and compare lenders so your application stays organised always.

Outcome: Funding aligned to business goals and timelines.

First home buyers

 

Your first home should feel clear, not confusing. We explain borrowing capacity, deposits and pre approval before you make offers.

We keep paperwork organised and guide you through approval and settlement, step by step.

Refinancing a loan

 

Refinancing helps when your loan no longer suits your budget, goals, or lifestyle. We review rates, fees and features carefully.

We compare options, explain costs clearly and manage paperwork so the switch stays simple.

Debt consolidation

 

Multiple repayments can strain your budget .

We assess whether eligible debts can be combined into one facility safely.

We check affordability and total cost, then explain trade offs in plain English clearly.

Investment loans and lines of credit

 

Investment lending works best with the right structure.

We compare loan options that suit your cash flow and strategy goals.

We explain flexible features, lender policy and documents required so you can act quickly.

Our partners

Strong lender relationships help us compare options quickly and match loans to real borrower needs.

What our clients say about us

Real feedback from clients who valued clear advice, organised support and a smooth lending process.

Google
Andrew Zbik profile picture
Andrew Zbik
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Derik was wonderful in helping us settle our SMSF property. The process was complex. However, Derik's skill, knowledge and his legal background experience shone through as he navigated the loan application process and negotiated an outcome with the lender that helped us achieve our goals. I am very happy to refer Derik to my friends and family.
Google
Hannah Bickerton profile picture
Hannah Bickerton
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It was such a great experience working with Derik. He was patient, and dealt with a lot of questions from us! We really value his help and will be referring him to many people in future!
Google
GEORGE ANDREWS profile picture
GEORGE ANDREWS
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I recently worked with Derik from Australian Loan House on a client’s purchase that he referred to us, and I was very impressed with his professionalism, responsiveness, and overall efficiency. Derik was proactive throughout the entire finance process, kept both the client and myself informed, and ensured everything progressed smoothly and on schedule. His attention to detail, clear communication, and genuine commitment to achieving the best outcome for the client made the transaction seamless from start to finish. As a conveyancing solicitor, it’s refreshing to work with a broker who is organised, solutions-focused, and truly dedicated to client service. I’m very pleased to recommend Derik and Australian Loan House to anyone seeking a knowledgeable and reliable finance broker.
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Khachig Kabakjian profile picture
Khachig Kabakjian
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I had an outstanding experience working with Derik, and I couldn’t be happier with the service he provided. From day one, he demonstrated deep market knowledge, strong responsiveness, and genuine care in helping me navigate the entire journey. Every question was answered clearly, and every step was handled with professionalism and efficiency. What truly stood out was that Derik didn’t just support us with financing — he proactively connected us with a buyers agent and a solicitor, both of whom we ended up using and were extremely impressed with. Those introductions made the process even smoother and ensured we had trusted experts across every stage. His guidance, attention to detail, and commitment to achieving the best possible outcome transformed what could have been a stressful and complex experience into one that felt organised, transparent, and seamless. I would highly recommend Derik to anyone looking for a trusted, reliable broker — and someone who can act as a true partner throughout the property purchase journey. A brilliant one-stop experience with an exceptional network and outstanding service.
Google
Bronwyn Finnen profile picture
Bronwyn Finnen
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We would certainly recommend Derik Karamian for obtaining a home loan. Derik was very approachable and always available to answer any of our questions. Derik’s knowledge of the process made our application easier to complete to a successful conclusion.
Google
Sally Walters profile picture
Sally Walters
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Derik was fantastic to work with. He made the job of getting a loan very easy for us, doing all the behind the scenes work to get us the best rates and terms. We are very happy with the service provided and recommend him strongly.
Google
Meltem Akyol profile picture
Meltem Akyol
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Great experience with Derik. Very efficient and helpful. I would highly recommend.
Google
Ari Palandjian profile picture
Ari Palandjian
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Thank you Derik and team. Very happy with the service and negotiating with the Banks on my behalf. Looking forward to the next one.

Why choose us?

How we can help

Safety

Clear comparisons

We explain lender options in
plain English so you can choose confidently.

Secure

Strong lender

We understand lender policies and
help present your application clearly.

Payment

Organised process

We keep documents, timelines, and follow ups on track,
so your application keeps moving.

Support

Ongoing support

We stay available for reviews when
your goals, income, or rates change.

Get in touch

Tell us what you are trying to achieve and we will guide you to the right next step. Share a few details and we will get back to you as soon as we can.

Call us

Contact us

Level 34/100 Miller St, North Sydney NSW 2060, Australia

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Australian Loan House
FAQs

Quick answers to common questions about home loans, refinancing, and specialist lending in Australia.

What is a commercial loan used for?

Business and commercial loans can support working capital, equipment purchases, business expansion, and commercial property goals. The right structure depends on purpose, timing, and how repayments will be managed.

What documents do lenders usually ask for?

Most lenders request identification, business financial information, bank statements, BAS or accounting reports, and details of existing debts. Requirements vary depending on the lender and the type of facility.

How long does a commercial loan application take?

Timeframes depend on the lender, the complexity of the deal, and how quickly documents are supplied. We set clear expectations early and keep you updated as the application progresses.

Do I need security or a deposit?

Some commercial facilities require property or other security, while others rely more on business cash flow and risk profile. We explain what is realistic for your situation and what lenders will assess.

Which loan structure is right for my business?

That depends on your purpose, cash flow, and how you want to repay the facility. We compare suitable options and explain the trade offs in plain English so you can choose confidently.

Can you help if my business has complex circumstances?

Yes. Where appropriate, we can explore specialist lenders and alternative structures. We focus on realistic pathways and clear communication so you know what to expect.

How do I improve my chances of approval?

Clear financial information, consistent cash flow evidence, and a well explained purpose for the funds can help. We help you present your application in a lender ready way and outline the key requirements upfront.