commercial lending.

Commercial finance and development lending for business owners and investors. Brisbane and Australia-wide

Commercial lending operates differently to residential finance. Serviceability is assessed against business financials and cash flow, security structures are more complex, and lender appetite varies considerably depending on the asset, the borrower, and the purpose of the funds. Imperium Finance works with business owners, commercial property investors, and developers across Brisbane, South East Queensland and Australia-wide to structure commercial finance that supports both immediate operational needs and longer-term business objectives. Commercial lending scenarios we work with include:

• Commercial property finance to purchase, refinance, and equity release across office, retail, industrial, mixed-use, and specialised commercial assets

• Business acquisition finance to structure debt to fund the purchase of a business, including goodwill and asset components

• Working capital and cash flow lending for short-term and revolving facilities to support business operations, seasonal demand, or growth

• Asset finance for equipment, plant, machinery, and vehicle finance structured around business use and tax position

• Development finance to provide construction and development funding for residential and commercial projects, including land acquisition, construction facilities, and residual stock lending across small-to-medium developments

• SMSF commercial property loans for acquisition of commercial property within a self-managed super fund structure via limited recourse borrowing arrangements

Commercial lending requires a lender who understands how to read a business, not just a payslip. At Imperium Finance, our background in senior credit analysis means we approach each commercial scenario the way a lender does, assessing serviceability, security, and structure before a submission is made, so your application is positioned to succeed.