Flexible Lending for Businesses and Investors
Securing a commercial loan can feel complex — different from a home loan, with stricter requirements, varied structures, and unique risks. At AJP Finance, we work with business owners, SMEs, and property investors across Melbourne to make commercial lending clear, structured, and achievable.
Whether you’re purchasing a retail space, refinancing an industrial warehouse, or funding a development project, our role is to guide you through lender expectations and explain the solutions available.
Commercial Property Loans
We provide guidance on loans for purchasing or refinancing offices, warehouses, retail, or industrial property, explaining how LVRs, repayments, and loan terms differ from residential lending.
Development & Construction Loans
For builders and developers, we assist with structured finance options that can include staged funding, ensuring you understand the requirements and risks upfront.
Business Premises Finance
If you’re a business owner looking to buy or refinance premises, we explain how lenders assess business income, cash flow, and security to support your next move.
Helping a Local Investor Expand Their Portfolio
One of our Melbourne-based clients was looking to purchase their first retail property but had been declined by a major bank due to strict income criteria. We reviewed their financials, presented alternative lender options, and explained the differences between bank and non-bank commercial loans. With the right structure, they secured finance for their retail property and expanded their investment portfolio.
How Can Our Team Help You to Reach Your Goals
Consultation
We begin with a discovery call to understand your commercial goals — whether it’s purchase, refinance, or development.
Financial Assessment
We review business income, credit history, and property details to identify lenders who may suit your situation.
Explore Options
We present potential bank and non-bank loan options, clearly explaining loan structures, interest rates, and risks.
Application & Support
Once you’re comfortable, we assist with preparing your application and guide you through to settlement.
