Building Business Potential with the Right Finance
From property selection to loan settlement, Diamond Lending streamlines your commercial finance journey with tailored loan structures.
Tailored commercial loan solutions for your business ambitions.
Whether you’re expanding operations, acquiring premises, or investing in commercial property, Diamond Lending connects you with lenders who understand the nature of business lending and support your long-term strategy.
Commercial Property Investors
Secure funding for offices, industrial spaces, or retail properties — with competitive interest rates and flexible terms.
Business Owners Expanding Operations
Finance your next office, factory, or showroom with solutions tailored to your growth needs and cash flow.
Owner-Occupier Purchases
Buy a property to run your business from, with finance structures designed around your trading history and goals.
Commercial property finance can be complex, but not when Diamond Lending is on your side.
Australia’s Trusted Financial Brokerage Firm
we simplify your commercial loan journey by connecting you with specialist lenders across Australia. Whether you’re purchasing an office space, expanding your operations, or investing in commercial property, our tailored finance solutions are designed to align with your business goals and cash flow needs.
How Diamond Lending Simplifies the Commercial Loan Process
From initial planning to final settlement, Diamond Lending simplifies your commercial loan journey with expert advice, tailored solutions, and access to the right lenders—without the guesswork.
Step #1
Simplifying Your Home Loan Process
🏢 Strategic Lending Consultation
We assess your business goals, structure, and revenue to shortlist loan options that match your industry and property plans.
🏢 Access to Specialist Commercial Lenders
Diamond Lending partners with a broad network of lenders offering solutions for complex financials, unique industries, and non-traditional structures.
🏢 Expert Documentation & Application Support
Our experienced team helps compile business and financial documents, ensuring all lender requirements are met without delays.
🏢 Negotiation & Loan Structuring
We negotiate with lenders to get you favourable interest rates, repayment terms, and features like interest-only periods or offset accounts.
🏢 Settlement Support & Ongoing Review
From approval to drawdown, we coordinate with lenders and legal teams to make settlement smooth — and support you with future refinancing or restructuring.
Step #2
Required Documents
🏢 Business Financial Statements
Provide your business’s profit & loss statements and balance sheets from the past 1–2 years to help lenders assess income and cash flow.
🏢 Tax Returns – Business and Personal
Most lenders require both business and director/owner tax returns to confirm income history and obligations.
🏢 ABN & Business Registration Details
Submit documentation that verifies your business’s legal standing and trading status.
🏢 Property Details or Purchase Contract
Include the signed contract of sale, lease agreements (if investment property), or property appraisals.
🏢 Liability & Asset Statements
Show your current financial position, including business loans, leases, and personal guarantees where applicable.
Step #3
Pre-requisites
🏢 Trading history of 12–24 months preferred
Lenders generally look for a business that’s been operating for at least one year with verifiable income.
🏢 Good business credit profile
Having a clean repayment history on existing business loans and credit accounts strengthens your chances.
🏢 Clear purpose for funds and strong property value
Being able to demonstrate why you’re borrowing, and showing that the property is a sound investment, improves loan approval.
🏢 Deposit or equity contribution
Typically, 20%–30% is required, but may vary depending on the lender, property type, and loan structure.
🏢 Australian business registration and ownership proof
Ensure your business and personal documentation aligns with legal and lender eligibility requirements.
Popular Questions
Commercial loans are used to purchase or refinance property intended for business use. They often involve higher borrowing limits, different assessment criteria, and variable loan structures compared to standard home loans.
Can I use a commercial loan to buy an investment property?
Yes. Commercial loans can fund the purchase of income-producing properties such as retail spaces, warehouses, or offices. Lenders assess the property’s earning potential and your financial position before approval.
Can I refinance my existing commercial loan?
Absolutely. If you’re seeking better terms, lower rates, or more flexible repayments, Diamond Lending can help refinance your current loan by comparing offers from multiple commercial lenders.
Do I need to provide full financials?
Not always. Some lenders offer low-doc or lease-doc commercial loans for eligible borrowers with strong assets and income but limited documentation. We’ll help identify what suits your situation.
Why work with Diamond Lending for a commercial loan?
We’re a trusted financial brokerage firm that focuses on tailoring commercial finance to your business journey. From application to settlement and beyond, we simplify complex loans and provide end-to-end support with lender negotiations, document preparation, and expert advice.
Have more questions?
We’ll guide you with honest advice and commercial loan options that fit your needs and future plans.
