Get Approved for Commercial & Unsecured Loans as low as 5.5% in Just 10 Minutes - Even if Rejected Before.
Best Rate Guarantee
RBA Rate Cuts Make Now a Great Time to Refinance or Buy
Our automated AI system helps business owners in any industry get a response within just 10 minutes — even for no/low doc loans, bad credit, 100% LVR, SMSF, and more. No obligation/cost/risk!
Ask our experts about the best promotions and offers as rates continue to decline.
Why It's Important to Shop Around
Getting the best commercial mortgage isn’t just about getting approved—it’s about finding the right deal before you decide. Here’s why shopping around matters:
Banks reject low-doc, bad credit, or high-LVR loans
Banks dont specialize in properties that require niche lenders
Secure access to 70+ lenders to compare real offers
Lender Differences: Not all lenders view risk the same way. A deal rejected by one may be accepted by another, especially if you’re self-employed or have credit challenges.
Rates and Fees: Even a small difference in interest rates can cost you thousands. We help you avoid hidden fees and secure the best terms.
Loan Types: Traditional lenders often reject Bad Credit, No/Low Doc, 100% financing, SMSF type of loans etc which is available through non bank lenders.
Loan Structure: A flexible loan structure (e.g., interest-only periods or interest rate reverting to variable rate) can improve your cash flow and match your business goals.
What Makes us different
Bird’s Eye View: We research all options, compare, and fiercely negotiate the best possible commercial property loan deal—so you win every time – No win, no cost. This is all before you decide!
💰 ZERO COST: Our service is 100% free to you—zero catch, zero hidden fees. We only get paid by the lender after your loan settles.
💰 Best Rate Guarantee: We lock in the most competitive deal in market. From first call to final settlement, we handle everything—fast, easy, stress-free.
Full-Doc: Best rates available when full financials are provided.
Lease-Doc: Rental income supports your application.
Low-Doc: Great for self-employed or those with limited paperwork.
💰 Wide Loan Range: Borrow from $100,000 up to $5 million, depending on the lender and your scenario.
🛠️ Flexible Structures: Pick between fixed or variable rates, interest-only or principal & interest, and more.
🕒 Repayment Flexibility: Terms range from 5 to 30 years, designed to suit your cash flow.
Current Commercial Property Rates
We work for you, not the Bank!
🏦 Traditional Lenders
| Loan Type | Interest Rate | LVR | Security |
|---|---|---|---|
| 💼 Variable | 5.59% – 10.74% | 80% | Commercial |
| 💼 Variable | 5.84% – 8.59% | 90% | Residential |
| 💼 BBSY 30/60/90 Days | 4.09%, 4.11%, 4.11% | 80% | Commercial |
| 🔒 Fixed | 5.19% – 5.99% | 80% | Residential |
| 🔒 Fixed | 5.25% – 8.89% | 80% | Commercial |
| 💼 Lease Doc | 6.54% – 8.89% | 80% | Commercial |
| 🔒1-Year Fixed | 6.23% – 9.81% | 80% | Commercial |
| 🔒 2-Year Fixed | 6.21% – 9.93% | 80% | Commercial |
| 🔒 3-Year Fixed | 5.85% – 9.88% | 80% | Commercial |
| 🔒 5-Year Fixed | 6.05% – 9.71% | 80% | Commercial |
| ✅ Low Doc (Self-Employed) | From 7.24% | 80% | Commercial |
| ✅ Development Loans | From 4.89% + line fee | 75% | Commercial |
| 💼 SMSF (Self-Managed Super Fund) | From 7.24% | 80% | Commercial |
| ✅ Medical Professionals | From 5.85% | 100% | Commercial |
🏛 Private Lenders
| Loan Type | Interest Rate | LVR | Security |
|---|---|---|---|
| 💼 Variable | 7.04% – 10.38% | 80% | Commercial |
| 🔒 Fixed | 7.35% – 11.15% | 80% | Commercial |
| 💼 SMSF Property Finance | From 7.99% | 75% | Commercial |
| ✅ Development Finance | From 7.45% | 75% | Commercial |
✅ Frequently Asked Questions
You can receive a no-obligation pre-approval in just 15 minutes during your first call. Final approval times vary depending on the complexity of your application and the lender’s review process. Clear Pacific Capital works with lenders known for fast turnarounds and efficient service. For a tailored estimate, speak directly with one of their expert advisors.
Zero! Our service is completely free for you. We’re only paid by the lender once your loan is successfully settled—there are no application, cancellation, or hidden fees. With our Best Rate Guarantee, we focus on securing the most competitive offer available. We also cover all bank closing costs. The only upfront expense is a property valuation fee, which we often recover for you through a lender rebate once the loan settles. We manage the entire process from start to finish, making it hassle-free for you.
A Low-Doc (Low Documentation) Loan is designed for borrowers who may not have the traditional documentation like tax returns or full financial statements. This option is particularly beneficial for self-employed business owners or those with fluctuating income.
Is it suitable for my business?
If your business is self-employed or you have irregular income sources, a Low-Doc loan can be a great fit. For example, La Trobe Financial, a leading lender, offers Low-Doc loans for borrowers who can’t provide extensive financial records. Instead of traditional documents, La Trobe may accept a few key items to verify income, such as:
Business Activity Statements (BAS)
Bank statements for the last 6-12 months
An income declaration form
These alternative documents help streamline the approval process, making it faster and easier for business owners to secure funding.
If you think a Low-Doc loan could be right for your business, contact us for a personalized consultation to learn more about your options
Absolutely. Clear Pacific Capital specialises in helping clients who’ve been turned away by traditional lenders. The Big 4 banks often reject perfectly sound commercial deals due to rigid criteria. However, there’s a wide range of SME-focused lenders in the market—like BizCap, who work with self-employed applicants, even those with bad credit, by focusing on property equity and cash flow. Clear Pacific partners with a diverse panel of lenders who assess applications more flexibly and are open to clients with past rejections. Their strength lies in finding the right fit based on your unique situation.
Absolutely. With RBA recent rate cuts, this is optimal time to refinance your commercial mortgage at zero cost with us. We can help you refinance to a better rate, pull out equity, or switch to a more flexible loan product.
Eligibility requirements can differ among lenders. Generally, factors such as your credit history, income, employment status, and the value of the property you’re interested in will be considered. Clear Pacific Capital works with a variety of lenders, including those who offer flexible eligibility requirements, especially for individuals with unique financial situations.
The amount depends on the lender and your financials. Some offer up to 80% LVR, while others are capped at 70% or less. We’ll help you find a lender who aligns with your situation. Some lender do 100% of owner occupied commercial proeprties like Medical offices etc.
Yes — we specialise in these kinds of applications. Low doc loans are very popular with reasonable rates. With access to non-bank and specialist lenders, we can help self-employed clients who may not have up-to-date returns or full documentation.
Most lenders will require financials such as tax returns, business BAS statements, lease agreements (if investing), and ID documents. We also offer low doc and no-doc options for eligible applicants.
Lenders for you to choose from
Award-Winning Expertise At Your Service
Speak with a commercial mortgage expert today. We’ll guide you through the options, find the best rate, and help you get approved quickly.
After a tough few years, my credit wasn’t great. Clear Pacific presented Bizcap as one of the best options for some working in our caffe renovations. Bizcap came through when others, including my existing bank Commonwealth, couldn’t offer anything workable. Clear Pacific made the process fast, simple, and far less costly than I expected — no endless delays or hidden fees like I faced with the bank. They focused on real solutions, not just my credit score. If you’re stuck, need speed, fair costs, and real results, Clear Pacific is the team you can trust.
We’ve been with NAB for many years for our auto wrecking business. As market demand grew, we started looking to buy another property. However, NAB’s strict LVR requirements made it difficult to qualify. Irfan’s team at Clear Pacific came through with several great options. We ended up choosing Judo Bank — better rates, higher LVR, and even cash at settlement by tapping into our existing property’s equity. Honestly, it was truly impressive and a massive relief. Super grateful! If you’re looking for a mortgage broker who’s diligent and fully committed to your success, Irfan’s team is the one to trust.
I had an amazing experience with the Clear Pacific team! I needed a low doc commercial mortgage for $180K, and they got it done in about 5 days. No valuation, no tax returns, no financials — just a quick, automated connection to my bank statements for fast approval. The unsecured loan process was incredibly smooth, and the closing costs were minimal. Great job, Clear Pacific — highly recommend! vestibulum pellentesque cursutu.
Irfan's team at Clear Pacific Capital made the entire loan process so easy. I needed finance for my first commercial property and had no idea where to start. They explained everything clearly, found a great lender, and got my approval quicker than I expected. Highly recommend them if you want a stress-free experience!"
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