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SMSF Commercial Property Loans

Looking to get a loan for a commercial property using your Self-Managed Super Fund?

At Chardon, we take a personal approach to helping you get your SMSF commercial loan approved.

*Information provided is for assessment purposes only and no enquiry is made on your credit file.

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*Book in a No-Obligation meeting with one of our brokers to see if you can get approved for a loan.

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SMSF Commercial Property Loans

Looking to get a loan for a commercial property using your SMSF?

At Chardon, we take a personal approach to helping you get your SMSF commercial property loan approved from our range of specialist lenders.

We're Here to Help

Getting a SMSF commercial property loan can be complicated. Let us help!

Get Approved

We are experts at finding lenders that approve SMSF commercial property loans.

Multiple Options

We have a vast network of lenders that offer SMSF commercial property loans.

What is a SMSF commercial property loan?

Buying an office, retail shop, factory or warehouse isn’t as straight forward as buying a residential investment property. SMSF commercial loans are investments that you can use your SMSF to borrow and purchase commercial real estate. There are much tighter rules around this so we recommend speaking with us to help you navigate all the lenders.

Need help with applying for SMSF commercial property loan?

The team at Chardon Commercial Lending can help you with the entire process and even negotiate and find the best deal from our network of lenders.

How much can you borrow using a SMSF for commercial property?

You are able to borrow up to a certain percentage depending on the type of loan and which lender you go with.

Here are some details about how much you can borrow:

  • Borrow up to 75% of the value of a commercial property (even with bad credit).

  • Borrow up to $10 million (higher on a case by case basis).

  • Loan terms of up to 30 years for commercial security properties (>20 years is case by case).

  • Interest-only repayments for up to 5 years.

  • Discounted interest rates are available from some lenders.

What types of commercial property can you purchase?

For SMSF commercial property loans, the banks and lenders prefer you to have a standard commercial property as a security when borrowing.

Standard Commercial

Specialist Commercial

These properties are easier to finance and get approval from banks and lenders.







Retail shops




Rural properties


Farms (Conditions apply)

It is much more difficult to get finance approved for these types of properties.


Development sites


Vacant land (In some cases)


Properties in poor condition


Pubs, Service stations & Childcare centres


What documentation do I need to provide?

You will be required to provide the lenders documentation to apply for SMSF commercial loan.

Most banks and lenders will require:

  • SMSF trust deed.

  • Custodian trust deed.

  • Tax returns for the SMSF (there are some exceptions).

  • Evidence of the rental income.

  • A full copy of the contract of sale.

Frequently Asked Questions (FAQ) about commercial SMSF loans?

Can I avoid giving a personal guarantee?

SMSF loans are what’s known as a ‘non-recourse loan’ meaning that the lender cannot sell the assets of the SMSF to recover their money, except for the property that is used as security.

However, if the property is sold and the loan hasn’t been repaid in full, then they can seek to recover money from the personal assets of the members/trustees.

If you have a large mortgage and a sizeable deposit then in some cases we can negotiate with the lender to exclude this clause from their agreement.

Can I refinance my current SMSF loan?

Yes, you can refinance your current SMSF loan to a lower interest rate as long as you aren’t increasing the size of the loan.

If your loan is more than a year or two old, then it’s quite likely that your interest rate isn’t competitive.

Can I release equity to buy another property?

No, you aren’t able to refinance your SMSF loan and increase the size of the loan to buy another property, even if this property will also be in your SMSF.

Can I release equity as a business loan?

No, you can’t borrow for your business using a property in your SMSF as security.

The value of the property in your SMSF will contribute to your asset position and, therefore, help you to get your business loan approved, but the equity in it can’t be accessed.

Why are the banks so conservative?

Banks are more conservative when lending to an SMSF because:

  • The mortgage is ‘non-recourse’ loan making it harder for them to recover their money.

  • The security property is commercial, which means it can take them longer to sell.

  • This is a relatively new area of lending, so there may be other risks.

How can we help?

With Chardon, we take a personalised approach to help you get your SMSF commercial property loan approved from our network of specialist lenders.

  1. Book a meeting with one of our brokers

  2. Provide us with some information about your financial situation

  3. We find lenders that offer a suitable loan solution

  4. Submit your loan application

  5. Get Approved!

Eligibility and approval is subject to standard credit assessment criteria.

For more information please download our credit guide.

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Business Loans FAQ

Read through our knowledge base to find answers on how to get a business loan.

Eligibility and approval is subject to standard credit assessment criteria. For more information please refer to our credit guide.

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How can I get a business loan?

This is a very broad question. The best way to begin is to look at your reasons for getting a business loan, the amount you need and if you can afford to repay it. The first questions a potential lender will ask are ‘What do you need the money for?’ and ‘How much money do you need?’ Once you have answered these questions, you can approach potential lenders.

A wide range of business loans is available and the right one for you will depend on your circumstances. For example, if you don’t have assets to pledge as collateral, you will need to get a business loan that is unsecured. If you have collateral (residential or commercial property or business assets), you will be able to get a business loan that is secured. The difference between the two types of loans is that you can borrow more for a lower interest rate when your loan is secured.

The type of loan can depend on what you plan to use the money for. Equipment finance and hire purchase, for example, are specialised types of business finance used to purchase equipment. If you are seeking short-term funding for cash flow, a business overdraft, line of credit or an unsecured business loan could be the right loan for your needs.

Which bank or lender is best to get a business loan from?

Many banks offer a range of business loans, so it’s impossible to say which bank is best for a business loan. For a traditional bank loan, the bank will require you to complete a large amount of paperwork. For a new business, the bank will also require a business plan, including profit and loss projections. Even though banks differ somewhat in their approaches, they tend to offer the same range of financial products. These include short-term and long-term loans, loans with fixed rates and variable rates, secured and unsecured business loans, business overdrafts, lines of credit, credit cards and equipment finance.

Besides the banks, there are many non-bank lenders that specialise in small business loans. They offer a wide range of finance options to meet the needs of businesses in various financial situations.

Fintech (financial technology) lenders are non-bank lenders that leverage technology to make it easier when applying for a business loan. Using leading-edge technology makes it possible for you to quickly and safely apply for a business loan online. 

Is it difficult to get a business loan?

This will depend on your financial situation, how long you have been in business, whether you have collateral and the type of business finance you choose. For example, for a typical SME, it’s very hard to get a traditional bank loan. You have to submit a large amount of paperwork and often wait six to eight weeks for approval. In fact, a survey of small to medium enterprises showed that banks reject around 75% of their loan applications. This high rejection rate is the result of regulatory restrictions which limit the level of risk banks can take on.

Non-bank lenders, including fintech companies, are not constrained by banking regulations, so they are able to make more loans to small businesses. Since the loans they make are unsecured, the interest rates are higher than those of traditional bank loans. As noted, the innovative technology they use simplifies the lending process. Once it has been determined that you can repay the loan, and you are approved, the funds are transferred into your account. In this situation, it’s not hard to get business finance if you meet the criteria of the non-bank lender.

How can I get a business loan without security?

You can get a business loan without security. When you don’t use security it’s called an ‘unsecured’ loan. Even if you don’t have security, there are many loan options available. The main difference is that you usually won’t be able to borrow as much and you will pay a higher interest rate. For example, a typical rate for a secured business overdraft is around 8% per year, while the rate for an unsecured business overdraft is around 12%. That’s 50% more interest for the unsecured loan.

Certain types of loans don’t require existing collateral but use what you are purchasing as collateral. For example, with equipment finance, the item you are purchasing acts as the collateral while you are repaying the loan.

Non-bank lenders provide unsecured loans, so don’t require collateral. They safely and securely analyse your finances and credit information online to determine if you are approved for a loan and the loan amount.

Can I get a business loan if I am credit-impaired (bad credit)?

This depends on what you mean by ‘credit-impaired' or 'bad credit'. If you don’t have a credit record at all, it can be challenging to get a business loan. The same is true if you have a bad credit history which can be a result of late payments, defaults and/or bankruptcy.

If you have no credit record, it’s recommended you start somewhere. This could be getting a personal credit card with a low limit and making sure that you make all the payments on time. This way you will build a positive credit record for when you want to take out larger personal or business loans.

If you have bad credit, it can be challenging to get business finance. Some non-bank lenders specialise in providing business loans to people with bad credit but will charge a higher interest rate due to the higher risk.

To get a clear picture of where you stand, you can get a copy of your FREE credit report from:

How is your interest rate better than a bank?


If you walk into a bank, you might get a good product. But the selection is limited because they can only provide their own products.


With a business loan broker, we are talking to all the banks and lenders. In many cases we will have lenders on our panel that you may not have heard of that might be the lender that offers you the best deal.

Can I pay off my business loan early?

With most business loans, there is an option to pay off the loan early. With some lenders, you will pay the interest for the full term even if you pay the loan off early.  Other lenders will charge full interest minus a small discount when the loan is paid off early. 

Is my business eligible to get business finance?

This will depend on a number of factors including your financial position, credit history and ability to make repayments. Business lenders will typically look at your cash flow, profit and loss statement and balance sheet. In addition, they will check your credit history to see what other debts you have and how reliable you have been in making payments. Some lenders will require collateral to get a business loan, while others offer unsecured business loans that don’t require collateral. Some lenders have minimum eligibility criteria before they will consider lending. 

What are early exit fees?

With most business loans you may need to pay a fee if you decide that you would like to repay the loan before the term ends. This rate can vary between different lenders.

What do I need to complete a business loan application?

It depends!

Firstly, on your personal circumstances. Secondly, on the type of transaction. And finally, it can depend on which lender you are using.

As a rule of thumb, be prepared to hand over items such as:


  • ID

  • Payslips

  • Tax Returns

  • ATO Notice of Assessment

  • Income Statement

  • Bank Statements

  • BAS

  • Rates Notice

  • Accountant’s Letter


The above list is not extensive, but depending on your circumstances, transaction type and bank, you may not need to supply all of these.


Further to this, your broker will need to capture all of your personal information such as your employment history, assets, liabilities, income and product needs and your business objectives.