Commercial Finance for Australian Businesses
Whether you're expanding operations, purchasing commercial property, or funding a new project, Aqua Money connects you with the right lenders to make it happen. Perth-based, serving businesses across Australia.
What is commercial finance?
Commercial finance is funding arranged for business purposes — buying commercial property, financing equipment or projects, managing cash flow, or refinancing existing business debt. It is assessed differently from personal lending, with lenders focusing on the business, its cash flow and the purpose of the funds.
We work with a wide panel of lenders to find competitive commercial finance solutions tailored to your business goals, with guidance at every step. Based in Perth and serving businesses across Australia, our team understands the complexities of commercial lending and works to secure terms that suit your business.
What we can help with
Business loans
Commercial property finance
Construction and development finance
Refinancing existing commercial debt
Working capital solutions
How the process works
Free consultation
We discuss your business, the funding you need and what lenders will want to see.
Lender matching
We compare our panel to find commercial lenders whose criteria and terms suit your goals.
Application and structuring
We help prepare and package the application to give it the best chance of approval on suitable terms.
Settlement and beyond
We manage the process through to funding, and remain available as your business needs evolve.
Common questions about commercial finance
What types of commercial finance does Aqua Money arrange?
Aqua Money arranges business loans, commercial property finance, construction and development finance, refinancing of existing commercial debt, and working capital solutions. We work with a wide panel of lenders to match finance to your business goals.
Can you help finance a commercial property purchase?
Yes. Commercial property finance is a core part of what we do, whether you are buying premises to occupy, adding to an investment portfolio, or refinancing an existing commercial property loan. Terms and lender requirements vary by property type and business circumstances.
What is the difference between commercial and residential lending?
Commercial lending is assessed differently from residential home loans. Lenders look more closely at the business itself — its cash flow, trading history and the purpose of the funds — and terms are often more tailored to the transaction. This is why working with a broker who understands commercial lending can help.
Do you arrange construction and development finance?
Yes. We work with lenders who fund commercial construction and development projects. These facilities are structured around the project stages and typically involve staged drawdowns, so early conversations about your plans help us match you with the right lender.
Can I refinance existing commercial debt?
Yes. If you have existing commercial borrowing, we can review options to refinance or restructure it, subject to lender requirements. Businesses often look at this to consolidate facilities or improve terms as their circumstances change.
Is Aqua Money licensed to arrange commercial finance?
Yes. Aqua Money is Australian Credit Representative 575935 of Australian Credit Licence 384704, regulated by ASIC, and works with businesses across Australia from a Perth base.
Discuss your commercial finance needs
A free consultation, no obligation. Tell us about your business and what you're trying to fund, and we'll map out the options.
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. It is not financial product advice. Aqua Money — ABN 32 693 892 134 — Australian Credit Representative 575935 of Australian Credit Licence 384704.
What would the repayments be?
Indicative estimate for commercial property and business lending.
Indicative market rate — type your own to model a quote.
During interest-only
$4,531/mo
for the first 2 years
Interest-only pays down nothing, so the full balance still has to amortise over the 23 years left. The repayment jumps — it doesn't ease up.
Your top 3 lender matches
privateRanked to your circumstances. Specific lenders and rates are revealed when we speak.
Match 1
Sharpest rate
Lowest ongoing rate for your profile
Match 2
Most flexible
Interest-only, early payout, drawdown
Match 3
Broadest appetite
Takes on trickier security or history
Get indicative terms
Four quick questions so we know where to look. No credit check.
1 · Trading history
2 · Annual turnover
3 · Security offered
4 · Timeline
Or book a free consult if you'd rather talk it through.
Indicative only — not a quote, an offer of finance, or a recommendation. Commercial lending is generally not regulated by the National Credit Code, so the protections that apply to consumer loans — including comparison rates — do not apply. Rates are derived from the published RBA cash rate plus a typical commercial margin and are updated daily; actual pricing depends on the security, the covenant and the lender. Aqua Money — ABN 32 693 892 134 — Australian Credit Representative 575935 of Australian Credit Licence 384704.