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Liberty Financial Short Term Commercial Loan

Short-term commercial property loan from $100K to $4M over up to 3 years, at a fixed rate, for owner-occupiers and investors.

Commercial Property Finance
Source dated 23 Sept 2026
Amount
$100K to $4M
Term
Up to 3 yrs
Rate
From 9.80% p.a. (fixed)
Security
Property-secured
Enquire about this product

Product details

As published by Liberty Financial. Details not published by the lender are marked.

Loan amount
$100K to $4M
Rate
From 9.80% p.a. (fixed)Higher interest rates may apply
Rate type
Fixed
Term
Up to 3 yrs
Security
Property-secured
Structure
Term loan
Fees
Application fee from $795 ($1,045 may apply) · Establishment fee from 1.00% (minimum $2,500 or $5,000) · Monthly service fee $34.50; settlement $595; documentation $695; discharge $795; valuation varies
Repayment frequency
Weekly, Fortnightly, Monthly
Early repayment
2% deferred facility fee if repaid before the earlier of term end or 3rd anniversary
Restrictions
Max LVR 80%; owner-occupier or investor
How to apply
Direct with the lender, or through us
Not published by Liberty Financial
time trading, turnover, documents, guarantees, funding time
Suitable purposes
Commercial property

About Short Term Commercial Loan

Liberty Financial publishes these details for Short Term Commercial Loan: structure term loan; loan amount $100K to $4M; term up to 3 yrs; security property-secured; suitable purposes commercial property. Not published by Liberty Financial for this product: maximum LVR, time trading, turnover, documentation, funding time, guarantees. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other Liberty Financial products

  • Business Car Loan: Structure is term loan here and other for Business Car Loan; loan amount is $100K to $4M here and $5K to $100K for Business Car Loan; term is up to 3 yrs here and 2 yrs to 7 yrs for Business Car Loan; security is property-secured here and asset-backed for Business Car Loan.
  • Business Line of Credit: Structure is term loan here and line of credit for Business Line of Credit; loan amount is $100K to $4M here and $50K to $2M for Business Line of Credit; Liberty Financial publishes term (up to 3 yrs) for this product but not for Business Line of Credit; security is property-secured here and varies for Business Line of Credit.
  • Commercial SMSF Loan: Liberty Financial publishes term (up to 3 yrs) for this product but not for Commercial SMSF Loan.
  • Flexible Business Loan: Loan amount is $100K to $4M here and $50K to $500K for Flexible Business Loan; term is up to 3 yrs here and up to 5 yrs for Flexible Business Loan; security is property-secured here and secured for Flexible Business Loan; time trading is published for Flexible Business Loan (2+ years in business) but not for this product.

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