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Pepper Money Commercial Property Loan

Commercial property loan up to $5M over 1 to 30 years for purchase, refinance or tax debt, with full doc and alt doc options.

Commercial Property FinanceRefinance & Debt ConsolidationTax & ATO Finance
Source dated 23 Sept 2026
Amount
Up to $5M
Term
1 yr to 30 yrs
Rate
Rate available on application
Security
Property-secured
Enquire about this product

Product details

As published by Pepper Money. Details not published by the lender are marked.

Loan amount
Up to $5M
Rate
Rate available on application
Term
1 yr to 30 yrs
Security
Property-secured
Structure
Term loan
Documents
Full doc (1 year tax return option) or alt doc options available
Funding time
Approval within 6 to 7 business days for loans under $1.5M, if eligible; timeframes may change
Restrictions
Up to 80% LVR (varies by loan option, documentation and property type); max $3M for residential securities
How to apply
Direct with the lender, or through us
Not published by Pepper Money
rate type, fees, repayment frequency, early repayment, time trading, turnover, guarantees
Suitable purposes
Commercial propertyRefinanceTax debt

About Commercial Property Loan

Pepper Money publishes these details for Commercial Property Loan: structure term loan; loan amount up to $5M; term 1 yr to 30 yrs; security property-secured; documentation full doc (1 year tax return option) or alt doc options available; funding time approval within 6 to 7 business days for loans under $1.5M, if eligible; timeframes may change. Not published by Pepper Money for this product: maximum LVR, time trading, turnover, guarantees. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other Pepper Money products

  • Commercial Asset Finance (Commercial Loan & Mortgage): Structure is term loan here and chattel mortgage for Commercial Asset Finance (Commercial Loan & Mortgage); Pepper Money publishes loan amount (up to $5M) for this product but not for Commercial Asset Finance (Commercial Loan & Mortgage); Pepper Money publishes term (1 yr to 30 yrs) for this product but not for Commercial Asset Finance (Commercial Loan & Mortgage); security is property-secured here and asset-backed for Commercial Asset Finance (Commercial Loan & Mortgage).
  • Finance Lease (business assets): Structure is term loan here and lease for Finance Lease (business assets); Pepper Money publishes loan amount (up to $5M) for this product but not for Finance Lease (business assets); Pepper Money publishes term (1 yr to 30 yrs) for this product but not for Finance Lease (business assets); security is property-secured here and asset-backed for Finance Lease (business assets).
  • SMSF Loan (Business Real Property): Term is 1 yr to 30 yrs here and up to 30 yrs for SMSF Loan (Business Real Property); documentation is full doc (1 year tax return option) or alt doc options available here and super Easy Refinance: 6 months SMSF loan bank statements and confirmation the SMSF is compliant for SMSF Loan (Business Real Property); funding time is approval within 6 to 7 business days for loans under $1.5M, if eligible; timeframes may change here and application response within 4 to 5 business days for SMSF Loan (Business Real Property); suitable purposes is commercial property, Refinance, Tax debt here and commercial property, Refinance for SMSF Loan (Business Real Property).

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Source dated 23 Sept 2026
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