Commercial Loans to Power Your Property & Business Plans
At Happy Vic Lending Solutions, we specialise in providing flexible and accessible commercial loan solutions to help individuals, investors, and businesses achieve their long-term goals. Whether you’re buying your first commercial space, expanding your portfolio, or acquiring a franchise, our expert finance team is here to simplify the process.
Commercial Loans for Leasehold, Franchise, and Development Projects
We work with a diverse panel of lenders to offer tailored commercial lending products, including:
- Leasehold and Freehold Commercial Loans
- Franchise Takeover Loans
- Development Property Finance
Leasehold Commercial Loans
Finance for Tenanted Commercial Properties
Looking to purchase a commercial space without buying the land? A leasehold commercial loan allows you to acquire rights to use and operate from a commercial property without owning the freehold title.
Ideal for:
- Business owners looking to lease prime retail or office spaces
- Hospitality operators (e.g., cafés, restaurants, salons)
- Tenants in shopping centres or high-demand commercial zones
Key Features:
- Lower entry cost compared to freehold
- Flexible repayment options
- Loan amounts based on lease tenure and business performance
We’ll help structure a leasehold loan that aligns with your business revenue and lease agreement terms.
Freehold Commercial Loans
Own the Property, Build Equity
A freehold commercial loan enables you to purchase the land and the building outright, giving you full ownership and long-term control over your commercial asset.
Perfect for:
- Investors building a commercial portfolio
- Owner-occupiers wanting to stop renting and buy their premises
- Businesses seeking capital growth through property ownership
Loan Options Include:
- Principal & interest or interest-only terms
- Competitive fixed and variable rate options
- Up to 80% LVR available (loan-to-value ratio), depending on the property type and borrower profile
With a freehold commercial loan, you’re not just investing in your business — you’re investing in a valuable, income-generating asset.
Franchise Takeover Loans
Finance to Acquire an Existing Franchise Business
Buying into an established franchise brand? We offer specialist finance for franchise takeovers, tailored to meet the unique needs of new franchisees and experienced operators.
Common industries we support:
- Food & hospitality (e.g., Subway, Boost Juice, Domino’s)
- Retail chains
- Gyms & fitness studios
- Automotive and service-based franchises
Benefits of Franchise Loans:
- Funding for franchise fees, equipment, fit-outs, and stock
- Lenders familiar with franchise models and systems
- Flexible structures (secured/unsecured) based on your profile and the franchise brand
Development Property Loans
Finance for Residential & Commercial Projects
Are you a property developer looking for capital to bring your next project to life? Our development finance solutions are designed to fund small to medium-sized developments, including:
- Residential subdivisions
- Townhouse projects
- Apartment complexes
- Mixed-use or commercial sites
Loan Features:
- Staged funding aligned with construction milestones
- Up to 70–80% of Total Development Cost (TDC)
- Pre-sales not always required (depends on lender)
Whether you’re developing for sale or rent, we can help fund your project from land acquisition through to construction and completion.
What You’ll Need to Apply
While each loan type has specific requirements, most commercial loans generally require:
- Business Plan (where applicable)
- Lease or franchise agreement
- Financial statements and/or tax returns
- ABN/ACN and company details
- Property details and valuations (if applicable)
- Director’s identification and credit profile
Don’t worry — our team will walk you through every step and help you prepare a strong application.
Why Choose Happy Vic Lending Solutions?
- Access to major and specialist commercial lenders
- Industry expertise in property, franchise, and development lending
- Personalised solutions with fast turnaround
- Support for first-time and seasoned investors
- Transparent advice from experienced finance professionals
Let’s Get Your Commercial Deal Done
Whether you’re buying a commercial property, taking over a franchise, or developing a site — the right finance makes all the difference. At Happy Vic Lending Solutions, we’re committed to helping you succeed.
Get financing for a property, equipment, or business with a Commercial Loan
Commercial Property Finance That Works for You
At Happy Vic Lending Solutions, we understand that purchasing or refinancing commercial property is a significant step in growing your business or investment portfolio. That’s why we offer tailored commercial property finance solutions designed to meet your unique needs—whether you’re buying a new premises, investing in office or retail space, developing property, or refinancing an existing loan. With access to a wide panel of commercial lenders, we can secure competitive interest rates, flexible loan structures, and repayment terms that align with your cash flow and long-term goals. Our experienced team will guide you through the complexities of commercial lending with expert advice, minimal hassle, and personalised service—ensuring you get the right finance to support your property ambitions. With Happy Vic Lending Solutions, commercial property finance truly works for you.
Take Control with a Self-Managed Super Fund Loan
A Self-Managed Super Fund (SMSF) loan can be a powerful tool to help you take control of your retirement strategy by investing in property through your super. At Happy Vic Lending Solutions, we specialise in helping clients navigate the unique structure and requirements of SMSF lending with confidence. Whether you’re looking to purchase a residential or commercial investment property within your SMSF, we work with a trusted network of lenders to find loan options that meet strict compliance standards while supporting your long-term financial goals. Our expert team will guide you through the process from start to finish—ensuring you meet all legal obligations, understand the risks and benefits, and secure competitive finance tailored to your fund’s strategy. With the right advice and lending solution, your SMSF can become a smart vehicle for wealth creation and a secure future.
Flexible Commercial Asset Finance, Built Around Your Business
At Happy Vic Lending Solutions, we understand that the right equipment can drive efficiency, productivity, and growth in your business. That’s why we offer flexible commercial asset finance solutions tailored to your operational needs and cash flow. Whether you’re looking to purchase vehicles, machinery, technology, or other essential business assets, we’ll help you secure finance that fits your budget and goals. With access to a wide network of lenders and finance products—including chattel mortgages, hire purchase agreements, and leasing options—we provide clear advice and a streamlined process to get your assets working for you, fast. From sole traders to growing enterprises, we’re here to support your success with finance solutions that are as flexible and forward-thinking as your business.
Development Finance
At Happy Vic Lending Solutions, we specialise in providing tailored Development Finance solutions to support property developers and investors across all stages of their projects—from land acquisition and construction to final completion. Whether you’re building residential homes, commercial properties, or multi-unit developments, we understand the complexities involved and are here to simplify the funding process. Our development finance options are flexible, competitive, and designed to meet your unique needs, with funding available for both small-scale and large-scale projects.
With access to a wide network of lenders and deep industry expertise, we help structure loans that work for your timeline and budget—offering staged drawdowns, interest-only repayments during construction, and streamlined approvals to keep your project moving forward. At Happy Vic Lending Solutions, we’re committed to being a reliable financial partner, providing you with the support and guidance you need to bring your development vision to life.
We partner with major lenders in Australia
Let's get in touch
Have a question or message? We’d love to hear from you. Reach out anytime—we’re here to help!
ASK US ANYTHING
We’re excited to hear from you and are committed to responding promptly to your message.
Let's get in touch
Have a question or message? We’d love to hear from you. Reach out anytime—we’re here to help!
ASK US ANYTHING
We’re excited to hear from you and are committed to responding promptly to your message.