Commercial & Business Finance

Commercial and business finance is a specialised field that requires deep market knowledge and strong lender relationships. Whether you’re purchasing a commercial property, funding business growth, or financing a new development, Max Rich provides the expert guidance and strategic solutions you need to succeed in the Gold Coast’s competitive commercial landscape.

Expert Commercial Property & Business Finance on the Gold Coast

From securing a warehouse in Molendinar, to fitting out a retail space in Broadbeach, or funding a multi-unit development in Coomera, the right finance structure is critical to your project's success and profitability. Standard residential brokers often lack the expertise to navigate the complexities of commercial lending. We are commercial finance specialists, skilled in structuring deals, preparing detailed credit proposals, and negotiating with a panel of specialist lenders to secure the most favourable terms for your business.

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Explore your loan options & their features.

We offer a comprehensive suite of commercial and business finance solutions tailored to the needs of Gold Coast businesses. This includes Commercial Property Loans for purchasing or refinancing offices, warehouses, and retail spaces; Business Loans for cash flow, expansion, or acquisitions; Development Finance for construction projects; and Asset & Equipment Finance for vehicles and essential business machinery.

Variable rate loan

A Variable Rate Loan is a home loan where the interest rate can move up or down according to market conditions. Its greatest strength is flexibility.

Fixed rate loan

A Fixed Rate Loan locks in your interest rate for a set term, typically from 1 to 5 years. This means your repayment amount will not change for the entire fixed period, regardless of what happens in the market.

Principal & Interest Loans

A Principal & Interest (P&I) loan is the most common and effective way to pay off your mortgage. Each repayment you make is split, with one portion covering the interest and the other reducing your loan balance (the principal).

Interest Only Loans

An Interest Only loan is a strategic tool where your repayments only cover the interest on the loan for a set period (typically 1-5 years). This results in lower initial repayments, which is ideal for property investors looking to maximise their cash flow and tax deductions.

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Overdraft

A Business Overdraft is a revolving line of credit attached to your transaction account with a pre-approved limit. You only pay interest on the funds you use, making it a cost-effective way to cover short-term gaps between your expenses and income.

Self Managed Super Fund (SMSF)

Purchasing a Gold Coast investment property within your SMSF is a specialised strategy that requires expert guidance. All borrowing must be structured under a compliant Limited Recourse Borrowing Arrangement (LRBA) to protect the other assets in your fund.

Asset Finance

Asset Finance is the smart way for Gold Coast businesses to acquire essential vehicles, equipment, and machinery without impacting their cash flow. We offer a range of solutions like Chattel Mortgages and Leases to fund almost any income-producing asset.

Commercial Property Guarantor Loan

A Commercial Property Guarantor Loan is a powerful solution that allows ambitious Gold Coast businesses to purchase a commercial property with a smaller deposit. This structure is ideal for new businesses or entrepreneurs looking to overcome deposit hurdles and secure their own business premises.

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Helpful calculators.

Explore your financial possibilities and understand potential costs with these handy calculators.

Balloon Payment Calculator

Use the balloon payment calculator to understand the impact that a balloon payment will have on your monthly loan repayments and the total amount of interest you’ll be required to pay.

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Budget Planner Calculator

Use this budget planner to help understand your income and expenses, and where you could make savings.

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Car Loan Calculator

Find out how much your car loan repayments will be, and the total interest charged for the car loan.

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Loan Comparison Calculator

Different loans have different fees, features and repayment options. Use our loan calculator to see how the numbers stack up between two loans.

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Loan Repayment Calculator

Use this repayment calculator to understand how much your loan repayments might be.

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Frequently asked questions.

View our full FAQs
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Can you help me figure out my borrowing capacity?

Absolutely. Your borrowing capacity is a calculation of how much a lender will loan you based on your income, debts, and living expenses. While online calculators offer a rough estimate, we provide a far more accurate and reliable assessment. We will analyse your financial situation to give you a clear budget and help you secure a formal pre-approval, which is the green light you need to search for property with real confidence.

How long does it take to close?

The time it takes to close on a mortgage can vary, but it typically ranges from 30 to 45 days. Factors that can influence this timeline include the lender's processing speed, the complexity of the loan, and the responsiveness of all parties involved.

Tips for a Smooth Closing

To ensure a smooth closing process, maintain open communication with your lender and promptly provide any requested documentation.

How much can I borrow?

Your borrowing capacity depends on several factors, including your income, financial commitments, living expenses, and the size of your deposit. While online calculators provide a rough estimate, our detailed assessment provides a much more accurate figure. We do this as part of a formal pre-approval process, so you know exactly what your budget is before you start looking.

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How to apply for a mortgage?

Applying for a mortgage involves several steps. First, gather necessary documents such as proof of income, tax returns, and credit history. Next, research different lenders and mortgage products to find the best fit for your needs.

Steps to Follow

  1. Gather financial documents.
  2. Check your credit score.
  3. Shop around for lenders.
  4. Submit your application.

Following these steps can streamline the mortgage application process.

Should I use a bank or broker?

A bank can only offer you its own limited range of products. As your mortgage broker, we offer you a choice from over 60 different lenders. We work for you, not the banks. Our role is to understand your unique needs, compare the market to find a suitable loan, and manage the entire process from application to settlement, saving you time and stress.

What are the types of mortgages?

There are several types of mortgages available to borrowers, each with its own features and benefits. The most common types include:

  • Fixed-Rate Mortgage: The interest rate remains the same throughout the life of the loan.
  • Adjustable-Rate Mortgage (ARM): The interest rate may change at specified times, usually resulting in lower initial payments.
  • Interest-Only Mortgage: The borrower pays only the interest for a certain period, after which they begin paying off the principal.

Choosing the right type of mortgage depends on individual financial situations and long-term goals.

Talk to us today about your options.

Let’s chat today and find the right solution for you. Whether you’re buying your first home, expanding your business, or upgrading your vehicle, Maxine and the Max Rich Brokerage team provide expert, obligation-free guidance across the Gold Coast, Logan, Brisbane, and the Scenic Rim, tailored to your goals.

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