Commercial Loans in Townsville

  • Our services extend across all of Australia
  • Over 20 years of industry knowledge to support informed decisions
  • Ongoing support available throughout the life of your loan
  • Loan options tailored to align with your financial goals

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Townsville Commercial Loans

While we're proud to call Townsville home, our services extend far beyond our local area—we help people all across Australia! SouthMac Finance is a finance broker offering structured commercial loans to support business operations and property investment. Commercial loans can be used for purchasing office space, retail stores, industrial properties, or business equipment. With access to a broad network of accredited lenders, SouthMac Finance assists business owners and investors in evaluating loan options based on current financial goals, cash flow requirements, and future growth plans.


Commercial loans can be complex, and SouthMac Finance supports clients by navigating repayment structures, security requirements, and regulatory conditions with clarity and purpose. Lending is also available through Self-Managed Super Funds (SMSFs), with guidance on compliance and limited recourse borrowing arrangements (LRBAs).

  • Funding for property, equipment & asset growth
  • Structured lending aligned to business cash flow
  • SMSF lending available for commercial investment

Whether securing funds for expansion or investing through an SMSF, clients can access tailored loan structures and transparent support from start to settlement. For more information or to discuss available commercial loan options, contact us today.

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Accredited Loan Representative

Authorised under Australian Credit Licence 389328 for responsible lending.

Member of CAFBA

Committed to ethical lending through CAFBA membership.

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FBAA-Registered Broker

Registered with FBAA and aligned with industry standards.

Tailored Lending for Business Growth

Commercial lending varies widely depending on the size, purpose, and structure of a business. Whether seeking a secured loan for a commercial property purchase or an unsecured line of credit for working capital, access to the right loan type can impact day-to-day operations and long-term outcomes.


SouthMac Finance supports clients in evaluating their borrowing power, identifying suitable repayment terms, and ensuring loans are structured in a way that aligns with tax, cash flow, and asset planning. For clients using SMSFs, assistance includes navigating lender criteria, understanding borrowing limits, and ensuring compliance with superannuation rules.


  • Secured & unsecured commercial loans
  • Loan structuring to support tax & asset planning
  • Self-Managed Super Fund lending for property investment


Clear information and regulated lending practices ensure each commercial loan application is handled responsibly, with the aim of helping business owners and investors make informed decisions. To explore available options, call or enquire online.

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Self-Managed Super Funds (SMSF) & Commercial Loans

SouthMac Finance provides assistance to SMSF trustees seeking loans for commercial property investment. SMSF loans allow superannuation funds to borrow under a limited recourse borrowing arrangement (LRBA), helping to isolate fund assets from loan liability. This type of lending requires compliance with superannuation regulations and specific lender criteria. Support is available to help trustees understand loan structures, eligibility, and the documentation needed to meet regulatory requirements.

Frequently Asked Questions

  • Don't you just recommend the lender who pays you the most commission?

    Absolutely not. First of all, there is very little difference between the commissions paid by various lenders.


    There is also legislation in our industry called the National Consumer Credit Protection Act (or NCCP), that is designed to protect consumers and ensure ethical and professional standards in the finance industry. We tell you upfront what commission we will be getting from the lender. Our job, our only job, is to find a competitive load for your needs and objectives.

  • How much can I borrow?

    There are specific factors that need to be considered when determining how much a customer can borrow, such as income, employment position, the deposit saved, current living expenses, and any liabilities.



    Our borrowing calculator can give you a rough idea of how much you may be able to borrow. For a more accurate assessment, please give us a call so we can discuss your options and circumstances in more detail.

  • Should I go fixed or variable?

    A mortgage broker will recommend a product based on what you identify as most important to you—for example, “pay my loan off quickly,” “guaranteed repayments,” or “low cost.” However, we follow a simple principle: if you want flexibility, take a variable rate loan; if you want budget certainty, take a fixed rate loan; if you want both, consider a split loan.