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

  • Is SouthMac Finance licensed and accredited?

    Yes. We operate under a valid Australian Credit Licence and comply with all regulatory requirements. Our brokers are fully accredited, experienced, and committed to acting in your best interests.

  • What types of loans can SouthMac Finance help with?

    We offer:


    - First-home buyer loans

    - Investment property loans

    - Refinancing and debt consolidation

    - Bridging finance

    - Low-doc loans for self-employed clients

    - Commercial and personal loans

    - We’ll help you choose the right loan structure and lender for your situation.

  • Can you help me access government grants or schemes?

    Absolutely. We stay up to date with all federal and state-based initiatives, including the Home Guarantee Scheme, First Home Owner Grant, and Boost to Buy. We’ll assess your eligibility and guide you through the application process.