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Empowering Melbourne businesses through smarter lending
Commercial Finance in Melbourne — Business & Property Lending
Whether you are buying commercial property, acquiring a business or funding growth, lending is arranged through our licensed finance partner — and structured by CPA advisers who already understand your numbers.
Finance built for growth, not just approval
Why choose advisory-led commercial finance?
Securing commercial finance should not feel like navigating a maze of lender terms. 42 Advisory simplifies the process: our licensed finance partner, aXelerate advisory (Australian Credit Licence 389328), researches and recommends the lending, while our CPA team makes sure the facility supports your cash flow, tax position and growth plans.
Commercial lenders assess serviceability from your financials. Ours arrive lender-ready — management accounts, forecasts and tax positions prepared by the same firm coordinating your finance introduction. That means fewer lender queries and a stronger application.
Smart, compliant and transparent — commercial finance the 42 Advisory way.
Strategic funding for every stage of your business
Our commercial finance services
We deliver comprehensive commercial finance solutions across Melbourne — from asset growth to working capital.
We finance:
- Office buildings and warehouses
- Retail and hospitality properties
- Industrial and manufacturing facilities
- Mixed-use developments
- Specialised commercial assets
- Management buyouts (MBOs) and buy-ins (MBIs)
- Strategic business acquisitions
- Vendor finance structures
- Expansion or succession planning
We secure competitive rates from major banks and private lenders — ensuring your property finance aligns with business goals.
Business acquisition loans Melbourne
Fund your next opportunity with structured, strategic finance.
We help Melbourne business owners acquire or expand operations with funding designed for smooth ownership transitions and scalable growth.
Business acquisition loans Melbourne
Fund your next opportunity with structured, strategic finance.
We help Melbourne business owners acquire or expand operations with funding designed for smooth ownership transitions and scalable growth.
Development finance Melbourne
Finance your Melbourne home with confidence and clarity.
Our home loan advisory team helps you compare lenders, negotiate better terms, and choose features that match your lifestyle and cash flow.
Working capital finance Melbourne
Strengthen your cash flow and operational flexibility.
We tailor working capital solutions that help SMEs maintain liquidity and fund short-term operational needs without disrupting long-term goals.
Lender-ready by design
Why arrange commercial finance through your accountant?
Lenders make commercial credit decisions on the quality of your financial evidence. As your accountants, we control that evidence: up-to-date management accounts, defensible forecasts, clean tax positions and the right borrowing entity. Arranging finance and preparing financials in the same firm removes the gap where most commercial applications slow down.
Ready to explore your finance options?
Book your free commercial finance consultation with a Melbourne adviser today.
Your questions answered
Common questions about commercial finance in Melbourne
What is commercial finance?
Commercial finance helps businesses access funding for property, working capital, or expansion. It includes loans, overdrafts, trade finance, and asset-backed lending options.
What types of commercial properties can be financed?
Office buildings, retail premises, warehouses, industrial sites, and mixed-use developments can all be financed with tailored loan structures.
How does development finance work?
Development finance funds construction and land projects. Lenders typically release funds in stages (“drawdowns”) as the project progresses.
Can I refinance an existing business loan?
Yes. We review your existing loans and negotiate better terms or additional funding with other lenders.
How does working capital finance help my business?
It provides liquidity to cover day-to-day expenses, supplier payments, or seasonal fluctuations — keeping your operations running smoothly.
Can my SMSF invest in commercial property?
Yes — with a compliant limited recourse borrowing arrangement. We help ensure SMSF lending meets ATO and superannuation rules.
Credit Services Disclosure
Our Partnership with aXelerate advisory
42 Advisory Pty Ltd does not hold an Australian Credit Licence and does not provide credit advice.
Finance services are provided through a joint venture and referral arrangement with aXelerate advisory Pty Ltd (Australian Credit Licence No. 389328; Credit Representative Number 553736), which is the credit licensee and responsible for the credit activities conducted.
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