Commercial Lending
Commercial lending built for business owners and property investors
Whether you’re purchasing your own business premises, growing a commercial property portfolio, or investing through your SMSF, structure matters just as much as price — every recommendation is built around your business objectives and long-term strategy, with access to over 70 lenders.
Prefer to talk first? Call Durand direct on 0450 275 656
A strategic approach to business and investment lending
My name is Durand, and I work with business owners, professionals and investors who need more than a standard loan approval. Commercial finance is rarely straightforward — the right lender, the right structure and the right entity (trust, company, SMSF or personal) all matter as much as the rate. With over 23+ years in financial services, I help you navigate that complexity so your lending supports your business or investment strategy, not the other way around.
Two ways we help you fund your next commercial move
Commercial lending isn’t one product — it’s a set of tools built around your business or your fund. Below are the two commercial services we work with clients on most, each with its own dedicated page covering how it works and who it suits.
Commercial Property Loans
For business owners and investors purchasing an office, retail space, industrial asset, or refinancing an existing commercial property. With commercial finance, structure matters just as much as price.
- Buying through a trust, company, SMSF or personally — matched to lenders who understand your structure
- Fixed vs variable, interest-only vs P&I, offset accounts, built around your priorities
- Suited to offices, warehouses, factories, medical suites and mixed-use buildings
SMSF Lending
Invest in property through your super fund. A powerful way for professionals and high-net-worth families to diversify retirement wealth through direct property investment — this isn’t just lending, it’s strategy, structure and long-term thinking.
- Compliant borrowing arrangements, coordinated with your legal and financial team
- Matched with lenders experienced in superannuation property loans
- Structured so your fund can service the loan sustainably within your broader investment strategy
Commercial Property Loans
For business owners and investors purchasing an office, retail space, industrial asset, or refinancing an existing commercial property. With commercial finance, structure matters just as much as price.
- Buying through a trust, company, SMSF or personally — matched to lenders who understand your structure
- Fixed vs variable, interest-only vs P&I, offset accounts, built around your priorities
- Suited to offices, warehouses, factories, medical suites and mixed-use buildings
SMSF Lending
Invest in property through your super fund. A powerful way for professionals and high-net-worth families to diversify retirement wealth through direct property investment — this isn’t just lending, it’s strategy, structure and long-term thinking.
- Compliant borrowing arrangements, coordinated with your legal and financial team
- Matched with lenders experienced in superannuation property loans
- Structured so your fund can service the loan sustainably within your broader investment strategy
Commercial Property Loans
For business owners and investors purchasing an office, retail space, industrial asset, or refinancing an existing commercial property. With commercial finance, structure matters just as much as price.
- Buying through a trust, company, SMSF or personally — matched to lenders who understand your structure
- Fixed vs variable, interest-only vs P&I, offset accounts, built around your priorities
- Suited to offices, warehouses, factories, medical suites and mixed-use buildings
SMSF Lending
Invest in property through your super fund. A powerful way for professionals and high-net-worth families to diversify retirement wealth through direct property investment — this isn’t just lending, it’s strategy, structure and long-term thinking.
- Compliant borrowing arrangements, coordinated with your legal and financial team
- Matched with lenders experienced in superannuation property loans
- Structured so your fund can service the loan sustainably within your broader investment strategy
How I can help navigate your next move
Your career and your family goals are personal. So is the service I provide.
Why business owners work with me
Every commercial lending strategy is delivered by the same person, start to finish — not handed between call centre staff.
“From the initial consultation to the final closing, Durand provided expert guidance, clear communication, and unwavering support.”
Connor, verified Google review
23+
Years in financial services
70+
Lenders on panel
5★
Client feedback
1:1
End-to-end service, no handoffs
Commercial Lending FAQs
What counts as a commercial property loan?
A commercial loan is used to purchase property not classified as residential — such as offices, warehouses, factories, medical suites or mixed-use buildings. These loans are typically more complex than residential lending, and often require detailed income analysis, higher deposits and more strategic structuring.
Can I buy commercial property through my SMSF?
Yes. SMSF lending allows your self-managed super fund to borrow and purchase investment property through a compliant Limited Recourse Borrowing Arrangement, with the property held in a Bare Trust. It must meet strict ATO and lender rules, so it’s typically coordinated with your accountant and financial planner.
What structures can I use to buy commercial property?
Commercial property can be purchased through a trust, a company, an SMSF, or personally, and each structure is assessed differently by lenders. Getting the structure right from the outset matters just as much as securing a competitive rate.
Does it cost anything to get advice on commercial lending?
No. Mortgage broking services are typically provided at no direct cost to you, as Willow & Reed Private is paid a commission by the lender once your loan settles. A full breakdown is available on request.
How is commercial lending different from residential lending?
Commercial lending is secured against property used for business purposes rather than a home, and is assessed differently — lenders look closely at business income, lease terms and the purchasing structure, not just personal serviceability. It’s why commercial and residential lending are treated as separate specialisations.
How quickly can I get started?
The first step is usually a short conversation to understand your business or investment goals, which can typically happen within a few days of getting in touch. From there, timing depends on the complexity of the structure and how quickly you need to move.
Ready to fund your next commercial move?
Tell us what you’re working toward and we’ll point you to the right commercial lending strategy.