Commercial, business and SMSF lending

Commercial and business loans

One of the biggest barriers for business growth is access to finance.

At Vincents we recognise that every business is different, and we can tailor a finance solution to meet your specific needs, objectives and goals. Let our Lending Solutions experts help your business flourish today.

  • Commercial investments
  • Overdrafts
  • Bank guarantees
  • Franchise
  • Mergers and acquisitions

Our team of experts can assist you to:

  • Understand your funding requirements
  • Understand your collateral
  • Prepare your financial statements and accounts
  • Identify your credit score, tax position, assets and liabilities

Loan types

A loan where you do not have or do not want to use security

A way to secure a better loan offer where you can supply a personal guarantee or valuable assets as collateral

A way to obtain finance by leveraging accounts receivable as collateral

A loan to purchase commercial property to lease or occupy

Finance for building commercial property or multiple residential properties with the intent of selling

SMSF lending

A self-managed super fund (SMSF) loan can be used to buy an investment property (residential or commercial). The returns on the investment (rental income or capital gains) are then funnelled back into the super fund, increasing your retirement savings.

Investing in property within superannuation is not as straightforward as other kinds of investments. Borrowing or gearing your super into property involves very strict borrowing conditions (called limited recourse borrowing arrangement), and you can only purchase a single asset within this arrangement. Our team can assist you with navigating these rules, assessing whether this is a suitable investment for you and reducing costs.

Our team


Lending Solutions
07 3228 4000
Email us


Lending Advisor
Lending Solutions
07 3228 4000
Email us


Brokers Associate
Lending Solutions
07 3228 4000
Email us


Business Operations Coordinator
Lending Solutions
07 3228 4000
Email us

Contact us

    Our insights

    Want a first home buyer scheme spot? Here’s how to get the inside lane

    No more Mr Nice Guy: the ATO wants its money

    Refinancing numbers are surging across the country, here’s why

    RBA increases cash rate for second consecutive month, to 0.85%

    Banks tighten lending, reducing the maximum you can borrow

    Bulk of SMEs preparing for growth over next 12 months: research

    Our testimonials

    • 5 star review  Phil and the Team at Vincents Lending Solutions have now completed 2 mortgages for me, including one refinance. On each occasion the VLS service has been First Class. The responsiveness,... read more

      thumb Sam Heaney

      5 star review  The team at VLS, they took the time to understand our position, and provide us with a number of different options available in a very timely manner. They explained options in... read more

      thumb Ben Hitchings

      5 star review  Phil and his Lending Solutions Team provided a high quality professional service that was really helpful and informative in any questions I had. Would 100% recommend them to anyone seeking... read more

      thumb Luke Thompson
    • 5 star review  One stop shop for all things lending... better rates than I could possibly secure directly... professional and straight talking... cannot fault Phil and his team... thank you

      thumb Kain Elsmore

      5 star review  I have had the pleasure of dealing with Phil and the Vincents Lending team on several occasions. I will continue to use their services due to the outstanding attention... read more

      thumb James Darrouzet

    Our lenders

    Vincents Financial Advisory Pty Ltd ABN 40 010 855 991 | Australian Financial Services Licence 236608.
    Vincents Lifevantage Pty Ltd ABN 79 125 596 349 | Australian Financial Services Licence 320580.
    Vincents Lending Solutions Pty Ltd ABN 69 848 383 535 | Credit Representative 509289 is authorised under Australian Credit Licence 389328.
    Disclaimer: The information provided is of general advice only. We have not considered your financial circumstances, needs or objectives and you should seek the assistance of your Vincents Advisor before you make any decision regarding any products and services mentioned in this communication.
    Liability limited by a scheme approved under Professional Standards Legislation other than for acts or omissions of financial services licensees.