Funding for ambitious businesses.
Commercial property, equipment, vehicles and working capital — funded by lenders who actually understand your industry and cash flow cycle.
From a $250K equipment lease to multi-million-dollar commercial property and development finance, we structure facilities that protect your cash flow and scale with your business.
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A real broker calls you back within 5 minutes during business hours.
Why Insta Finance
Built around your file.
Commercial property
Owner-occupied or investment — retail, industrial, office and specialised assets up to 80% LVR.
Equipment & vehicles
Chattel mortgages and leasing for trucks, plant, machinery and fleet — often same-week settlement.
Working capital
Overdrafts, invoice finance and business lines of credit to smooth seasonal cash flow.
Development finance
Residual stock and construction facilities for small developers and builders.
How it works
A clear path forward.
Brief
Tell us the asset, the purpose and the timeline.
Lender shortlist
Match to commercial lenders by industry, asset type and size.
Indicative terms
We negotiate pricing, LVR and covenants before formal submission.
Drawdown
Funds available — we stay on post-settlement for annual reviews.
Common questions
FAQs
What's the maximum LVR on a commercial property loan?+
Typically 65–75% on standard commercial property, occasionally up to 80% for owner-occupiers with strong financials. Specialised assets (e.g. service stations, childcare) sit lower.
How fast can equipment finance settle?+
Standard chattel mortgages on vehicles or common equipment can settle in 24–72 hours with a clean file. We pre-package your application to move that fast.
Do commercial loans have higher interest rates than home loans?+
Yes, typically 1–2% higher than residential. We benchmark across bank and non-bank commercial lenders so you're not overpaying.
Can I use my home as security for a business loan?+
Yes, and it usually unlocks much sharper pricing. We make sure the structure protects your home and is reviewable as the business grows.
Do you help with SMSF commercial property purchases?+
Yes — both owner-occupied (business real property) and investment-grade commercial property inside SMSFs.
Get started
Commercial finance, structured properly.
Free commercial lending consult. Outline what you need and we'll come back with indicative terms from the right lenders within 48 hours.
- 40+ lenders compared
- 99% approval rate
- Zero broker fees