Commercial Finance Solutions
caloundra, sunshine coast QLD
Business Lending & Commercial Finance Solutions
Power Your Business Growth with Tailored Commercial Finance Solutions
Helping Local Businesses Grow Across Caloundra & the Sunshine Coast
Whether you’re expanding your operations, purchasing equipment, or launching a franchise, having the right business finance in place is essential. At KA Lending Solutions, we specialise in commercial lending and self-employed finance options to support your goals at every stage of your business journey.
From securing a commercial property to buying equipment or funding a new venture, our personalised lending approach helps you unlock the cash flow and capital your business needs to thrive.
By leveraging your investment loan effectively, you can maximize your returns and create a sustainable income stream. Plus, investing in property allows you to diversify your assets, providing greater financial security for your future. Start your journey towards financial freedom today!
Let's Chat
Commercial Financial Solutions, we can help...
Key to wealth through Commerical Investment Success
Competitive interest rates and a variety of loan structures, commercial Loans can provide a flexible, tax-efficient way to get started or grow in property investment and commercial properties.
What Are Commercial Loans?
A commercial loan is a finance product designed to assist businesses in acquiring property, managing cash flow, funding expansion, or purchasing assets and equipment. Unlike residential home loans, these loans require expert structuring and tailored advice to ensure they align with your business goals and financial capacity.
With competitive interest rates and a variety of loan structures, commercial Loans can provide a flexible, tax-efficient way to get started or grow in property investment and commercial properties.
Our Commerical Finance Solutions Include:
-
Commercial property lending (offices, retail, warehouses, etc.)
-
Loans for business expansion in Caloundra and across QLD
-
Start-up and working capital loans
-
Franchise financing
-
Fit-out and equipment loans
-
Low-doc and alt-doc commercial options for self-employed clients
Whether you’re growing your business footprint or investing in assets, we’ll help you find a competitive solution from major banks and specialist lenders alike.
Leverage Your Investment: By borrowing to invest in commerical property, you use the lender’s funds to buy an asset that has the potential to increase in value over time. This allows you to leverage your commerical investments to create more wealth.
Why Choose KA Lending Solutions?
✅
Locally based in Caloundra, servicing the wider Sunshine Coast business community
-
Access to a wide range of commercial and non-bank lenders
-
Structured support for self-employed and low-doc applicants
-
End-to-end guidance through documentation, servicing requirements, and approvals
-
Expert support from a seasoned QLD commercial mortgage brokers in our network
Let's Build Your Business with the Right Loan
Whether you’re self-employed, scaling your franchise, or upgrading your equipment, having a dedicated finance broker on your team makes all the difference.
Located in Caloundra and servicing the wider Sunshine Coast, Kerry-Anne Simpson and the KA Lending Solutions team are here to support your success.
- Tailored Loan Options: We’ll help you find the best investment loan to fit your financial goals, with access to multiple lenders offering competitive rates and flexible terms.
- Maximize Borrowing Power: We analyze your financial situation and the potential rental income from the property to secure the highest loan amount possible, while keeping your repayments manageable.
- Investment Strategy Advice: We’ll guide you on the best loan structure, whether it’s interest-only, variable, or fixed, and help you understand the potential tax benefits of your investment.
- Stress-Free Process: We manage all the paperwork and communicate with lenders on your behalf, ensuring the loan application process is seamless and stress-free.
Commercial Loans
Flexible finance for business real estate, expansions, or working capital
Commercial loans can be used for a variety of purposes, including purchasing office or retail premises, refinancing existing debt, or funding large-scale business growth.
We work with over 40 bank and non-bank lenders to find the right solution, whether you’re purchasing a commercial warehouse in Caloundra or opening a second storefront in Maroochydore.
Features of our commercial loan options:
-
Competitive fixed or variable interest rates
-
Loan terms ranging from 1–30 years
-
Full doc, low doc, and lease doc options available
-
Interest-only or principal & interest repayments
-
Available for trading businesses, trusts, and self-managed super funds (SMSFs)
Self-Employed Finance
Smart loan solutions when your income doesn’t come with a payslip
Being self-employed doesn’t mean you should miss out on competitive financing. We help sole traders, contractors, and small business owners access tailored loans even without traditional income verification.
Whether you’re after a home loan or a business line of credit, we can assist with:
-
Low doc and alt doc home loans
-
Business loans for ABN holders
-
Refinancing for better rates and cash flow
-
Loans that consider BAS, bank statements, or accountant letters
With over 8 years of experience supporting self-employed borrowers, we understand the nuances of self-employed income and how to present it for maximum borrowing power.
Franchise Business Loans
Funding support for buying or expanding into a franchise
Purchasing a franchise can be a great way to own a business with an established brand and support network—but it still requires smart funding.
At KA Lending Solutions, we help franchise buyers and existing franchisees get the capital they need for:
-
Franchise purchase and setup
-
Store renovations and rebranding
-
Franchise resales or multi-site expansion
-
Franchise refinancing options
We’re experienced in working with lenders that understand franchise models—making your application smoother and more successful.
Commercial Finance Solutions
Locally based in Caloundra, servicing the wider Sunshine Coast business community
-
Access to a wide range of commercial and non-bank lenders
-
Structured support for self-employed and low-doc applicants
-
End-to-end guidance through documentation, servicing requirements, and approvals
-
Expert support from a seasoned QLD commercial mortgage brokers in our network
Self Employed?
Equipment Finance & Asset Loans
Get the tools you need to grow—without tying up your capital
Need a new commercial vehicle? Upgrading to the latest medical equipment? We provide access to flexible equipment and asset finance that lets you invest in your business while preserving your cash flow.
Common industries we support:
-
Construction and trades (tools, vehicles, machinery)
-
Hospitality and cafés (coffee machines, fit-outs)
-
Medical and allied health (diagnostic tools, software)
-
Retail and beauty (POS systems, salon equipment)
Equipment finance benefits include:
-
100% funding available for approved borrowers
-
Tax-deductible repayments in many cases
-
Lease, hire purchase, and chattel mortgage options
-
Fast approval turnaround—often within 48 hours
Your Story = Lending Solutions
Whatever your situation maybe let's find a lending solution for you....
FAQ
Frequently Asked Questions
You can use commercial finance for:
-
Buying or refinancing commercial property
-
Business expansion or acquisition
-
Equipment or vehicle purchases
-
Working capital and cash flow
-
Shop fit-outs or renovations
Popular types include:
-
Commercial property loans
-
Business term loans
-
Lines of credit
-
Chattel mortgages (equipment finance)
-
Invoice and debtor finance
-
Development and construction finance
Loan amounts depend on the type of finance, your business’s financials, and the lender. Loans can range from $50,000 to several million dollars, depending on purpose and risk profile.
Terms can range from 1 to 30 years depending on the product. Interest rates vary and are influenced by market conditions, risk, security, and lender type (bank vs non-bank/private). A broker can help secure competitive rates.
Yes. Options are available for self-employed clients and startups, especially through low-doc or non-bank lenders, though terms may vary. You may need to show business activity statements, invoices, or forecasts.
Loans may be secured against commercial or residential property, equipment, or business assets. Unsecured business loans are available but often come with lower limits and higher interest rates.
A commercial property loan is used specifically to buy or refinance property used for business purposes (e.g. offices, warehouses). A business loan is more general-purpose and used for operations, cash flow, or equipment.
