Commercial Loans in Robina

Based on the Gold Coast, also servicing the Northern Rivers

  • Wide panel of lenders compared
  • Home, commercial & business finance
  • Personalised, end-to-end support

Commercial Property Finance

Commercial finance sits in a different world to residential lending — the products, rates and lender policies all work differently, and getting the right structure matters. At Brims Mortgage Solutions, we help business owners and investors on the Gold Coast secure commercial loans structured around their plans, comparing bank and non-bank options to find terms that suit their situation.

We work across owner-occupied premises, retail, industrial and commercial investment property, comparing bank and non-bank lenders to find the right fit. We can also coordinate with your business and asset finance needs so your borrowing is joined-up.

Call us today on 0452 512 457 to discuss your finance options.

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Types of Commercial Loans

We handle a wide range of commercial finance scenarios and tailor the structure to your business.

  • Owner-Occupied Premises: Finance to purchase the premises your business operates from, often at more favourable terms than investment commercial.
  • Commercial Investment: Loans for office, retail and industrial investment properties, with structuring focused on cash flow and tax outcomes.
  • Development & Construction: Funding for smaller-scale commercial development, refurbishment or fit-out projects.
  • Refinance & Restructure: Reviewing existing commercial facilities to sharpen rates, extend terms or release equity for growth.

Bank vs Non-Bank Commercial Lenders

Not all commercial borrowing fits a bank's policy, and non-bank lenders play a meaningful role in this market. Understanding the differences helps us access the right facility for your situation.

  • LVR & Security: Banks typically lend to lower LVRs on commercial property. Non-bank lenders often extend further and accept a broader range of security types and property classes.
  • Assessment Criteria: Banks focus on trading history and financial statements. Non-bank lenders may place greater weight on asset value and rental income serviceability.
  • Turnaround Times: Non-bank lenders can move faster on approvals, which matters when commercial opportunities are time-sensitive or require unconditional finance quickly.
  • Rate & Cost Trade-Offs: Non-bank rates are typically higher. We model the cost against the benefit — access to finance is sometimes worth a premium over a bank rate.

Frequently Asked Questions

Commercial loans are generally assessed on the strength of the business and the property, use shorter terms (often three to fifteen years), and have different LVR and pricing structures. Interest rates are typically higher than residential, and loans often need to be reviewed periodically.