Fuel Your Business Growth with Smarter Commercial Financing

Whether you’re buying an office, investing in property, or expanding your business footprint, Lower My Rate connects you to the best commercial loan deals across Australia.

Smart Commercial Loans to Supercharge Your Business Growth

At Lower My Rate, we know that commercial finance is never one-size-fits-all. Every business has unique goals, cash flow dynamics, and growth timelines—so your lending solution should reflect that.

Whether you’re acquiring your first office space, expanding with a new retail shopfront, purchasing a warehouse, developing a large-scale commercial site, or growing your long-term investment portfolio, we’re here to support you with strategic lending solutions.

We combine deep industry knowledge with access to Australia’s leading banks, non-bank lenders, and boutique financiers, allowing you to secure competitive rates and loan structures that align with your business objectives.

With Lower My Rate, you gain more than just a loan—you gain a trusted finance partner committed to helping your business scale smarter and fast.

Features

Why Choose Lower My Rate for Your Commercial Loan?

50+ Lender Network

We tap into major banks, non-bank lenders, and boutique financiers.

Tailored to Your Business

Structured finance options that match your business cash flow and goals.

Fast Turnarounds

Get pre-approvals quickly, so you can move on property or projects faster.

Expert Guidance

Navigate complex commercial lending requirements with our experienced brokers.

Low-Doc Options

For self-employed borrowers and businesses with non-traditional income documentation.

Who we help?

01

Small Business Owners
Secure funding for retail shops, cafes, clinics, and service-based businesses looking to own their premises or expand.

02

Established Enterprises
Access large-scale financing for warehousing, logistics, manufacturing, or corporate office upgrades.

03

Property Investors & Developers
Unlock capital for commercial property investments, multi-use developments, or construction projects.

04

Self-Employed Professionals
Doctors, lawyers, consultants, and tradies can access low-doc or alt-doc commercial loans tailored to irregular income streams.

05

Startups & Entrepreneurs
Early-stage businesses and tech founders looking for flexible, strategic financing options with room to grow.

06

Franchise Owners
Finance your next franchise location or restructure debt across your franchise network.

07

SMSF Investors
Access compliant commercial property loans using your Self-Managed Super Fund to build long-term wealth.

05

Startups & Entrepreneurs
Early-stage businesses and tech founders looking for flexible, strategic financing options with room to grow.

06

Franchise Owners
Finance your next franchise location or restructure debt across your franchise network.

07

SMSF Investors
Access compliant commercial property loans using your Self-Managed Super Fund to build long-term wealth.

Common Types of Commercial Loans We Can Help With:

Am I Eligible?

What Happens Next?
Your Commercial Loan, Simplified.

Step 1

Tell Us Your Business Goals

Jump on a quick 5-minute call or fill out our smart online form — we’ll understand your needs, timelines, and vision.

Step 2

We Find the Right Fit

Our expert brokers scan 50+ lenders to handpick commercial loan options that align with your
strategy and cash flow.

Step 3

Application to Approval – Handled

From paperwork to negotiations, we do the heavy lifting. You get personalised support at every step.

Step 4

Settle & Scale Up

Whether it’s a new office, retail space, or development — you’re ready to move forward with
confidence and capital.

Bonus Perks When You Choose Lower My Rate

Take the Next Step Towards Smarter Commercial Financing

Ready to grow your business, expand your portfolio, or invest in your next commercial property? Lower My Rate is here to help you unlock tailored solutions, competitive interest rates, and expert advice — fast.

What Our Clients say

Lower My Rate made everything so easy! They found me a home loan with a lower rate, helped with paperwork, and kept me updated at every step. I moved into my first home stress-free!

Sarah T., Sydney

I refinanced my loan through Lower My Rate and saved over $15,000 in interest over 5 years. Highly recommend their team!

James W., Brisbane

Lower My Rate made everything so easy! They found me a home loan with a lower rate, helped with paperwork, and kept me updated at every step. I moved into my first home stress-free!

Sarah T., Sydney

I refinanced my loan through Lower My Rate and saved over $15,000 in interest over 5 years. Highly recommend their team!

James W., Brisbane