Can I get a commercial loan with complex or incomplete financials?

Yes. Several lenders on our panel offer low-doc and alt-doc commercial loans assessed on accountant declarations or BAS rather than full financials. Rates and terms vary, so structuring matters.

Should I buy the premises my business operates from?

For many established businesses, yes — you replace rent with equity, gain security of tenure, and can hold the asset in a tax-effective structure such as an SMSF. We'll model it against your circumstances.

How fast can a commercial deal be approved?

With the right lender match and a well-packaged application, days rather than weeks. Complex deals take longer, but preparation is what moves the timeline.

Commercial & Business Finance

Custom lending structures that fuel growth — property, acquisitions, equipment and working capital.

Commercial lending is where the banks slow down and the fine print takes over. Servicing calculated three different ways. Business debt counted against you. Policies that change mid-application. We work on the other side of that complexity — structuring commercial finance around how your business actually earns, then taking it to the lenders who'll say yes.

What we finance

Commercial property

Offices, warehouses, retail and medical-grade premises — as an investment, or as the building your business operates from. If you're paying rent in a cash-generative business, owning your own premises and paying rent to yourself is one of the most under-used wealth plays in Australia. We structure the purchase, the entity and the lending together.

Business acquisitions

Buying a business, buying into a partnership, or funding a goodwill purchase. These deals live or die on how the lender treats the income — we know which lenders will lend against goodwill and future earnings, and which won't.

Equipment, fit-out and capital expenditure

Vehicles, machinery, technology and premises fit-outs, financed to preserve working capital rather than drain it.

Working capital and growth funding

Lines of credit, overdrafts and unsecured facilities to smooth cash flow and fund expansion.

SMSF commercial property

Purchasing your business premises through your self-managed super fund remains one of the most powerful structures available.

Explore SMSF & Wealth Finance

Structured around how you actually earn

Most brokers assess you like a PAYG employee. That's exactly how strong applications get declined.

Full-doc, low-doc and alt-doc options

If your financials are complex or your latest returns aren't finalised, there are lenders who will work from accountant declarations and BAS. We know who they are and what they need.

Business debt doesn't have to sink your borrowing

Some lenders will exclude business debt when assessing your personal lending capacity. Most borrowers — and plenty of brokers — don't know this.

Companies, trusts and layered structures

We package deals across entities so the lender sees the full picture clearly, the first time.

Why business owners choose Exec Finance

✓Access to 50+ bank and non-bank lenders, plus private lending channels the high street can't reach

✓Fast approvals despite complex structures — 98% approval rate on complex deals

✓No cost, no obligation. Our service is paid by the lender, and if you don't proceed, there's no fee

✓We work directly with your accountant and advisors to save you time

Exec Finance is a trading name of MedX Finance (Operations) Pty Ltd. Approval rates and volumes reflect the performance of the MedX Finance group. Outcomes vary depending on individual circumstances and lender criteria.

How it works

Strategy call

We understand your business, your structures and what you're trying to achieve.

Design the solution

We model the deal across our lender panel and bring you the strongest options — including ones your bank won't show you.

Act with confidence

Fast approval, seamless settlement, and a finance partner for the next deal.

Frequently Asked Questions

Have a commercial opportunity on the horizon?

Book a confidential strategy call. 7am–7pm, 7 days. No cost, no obligation.

Or call 1300 406 594

The information on this page is general in nature and has been prepared without considering your personal objectives, financial situation, or needs. Before acting on any information, you should consider its appropriateness having regard to your own objectives, financial situation, and needs and seek independent professional advice. Exec Finance is a trading name of MedX Finance (Operations) Pty Ltd ACN 662 078 220, Australian Credit Licence 555195.