Investing in commercial real estate or expanding your operations? We offer tailored financing solutions to help your business and it's stakeholders secure or renovate office spaces, retail properties, and industrial sites.
Looking to invest in commercial property through your super? SMSF commercial loans allow self-managed super funds to purchase offices, warehouses, or retail spaces, helping build your long-term wealth.
Need to improve cash flow or cover larger invoices? Trade and invoice finance solutions provide businesses with the funds they need to manage expenses, pay suppliers, and maintain operations.
Our agribusiness loans offer tailored funding for land purchases, equipment, and working capital to help grow and sustain rural businesses. Supporting Australian farmers is important for the team at Zest who grew up in rural locations.
Refinancing your commercial loan can reduce costs, unlock equity, or provide better loan terms, giving your business greater financial flexibility and growth opportunities.
Here are some of our most common questions
Financing for commercial property purchases includes traditional commercial mortgages, lease doc loans, and sector-specific loans like those for medical practices.
Loan terms typically range from 15 to 30 years, with loan-to-value ratios (LVRs) often capped at 70–80%. Lenders assess factors such as property type, whether it’s an investment or owner-occupier purchase, and the borrower’s financial position. Some loans allow interest-only periods to improve cash flow, making them attractive for investors.
At Zest we help clients across West Brisbane with their commercial financing, with many businesses in: Brookwater, Springfield Lakes, Springfield, Ipswich, Darra, Yatala, Ormeau, Eagleby, Eagle Farm, Pinkenba, Northgate. North Lakes, Kippa Ring, Seventeen Mile Rocks, Sinnamon Park, Rocklea, Richlands, Wacol and more.
A lease doc loan allows borrowers to secure financing based on the rental income of a commercial property rather than their personal financials. This is ideal for investors, as it streamlines the approval process.
Typically, lenders require a minimum lease term of 12 months, with an LVR of up to 65–70%. This type of loan is particularly beneficial for established commercial tenants with long-term leases, as it reduces reliance on detailed financial statements.
Yes, specialized loans cater to medical professionals looking to start, expand, or renovate their practice. Medical practice loans can fund clinic fit-outs, new equipment, and technology upgrades. Lenders often offer tailored solutions with competitive interest rates due to the low-risk nature of medical professionals.
In Australia, the healthcare industry contributes over 10% of GDP, making it a strong sector for financing. Loan terms can extend up to 10 years, with some lenders offering 100% finance options.
Trade and invoice finance provides immediate working capital by advancing funds against unpaid invoices. This helps businesses maintain steady cash flow, avoid delays in supplier payments, and reinvest in growth.
In Australia, late payments impact nearly 53% of small businesses, making invoice finance a crucial tool for businesses reliant on consistent revenue. Some lenders advance up to 95% of an invoice's value, ensuring businesses can meet operational expenses without waiting for client payments.
Agribusiness loans support farmers and rural businesses by funding land acquisition, equipment purchases, seasonal expenses, and livestock finance. The agricultural sector contributes $82 billion annually to Australia’s economy, with financing playing a key role in growth.
Livestock finance enables farmers to buy cattle or sheep with repayment structures aligned to seasonal income cycles. Lenders offer secured and unsecured options, with terms ranging from 12 months to 20 years, depending on the loan type.
Acquisition and succession financing provides capital for purchasing an existing business or transitioning ownership. Many small businesses in Australia are family-owned, with over 60% lacking a formal succession plan.
Financing options include leveraged buyouts, vendor finance, and management buy-ins, ensuring a smooth transition while maintaining business continuity. Loan terms vary, but lenders may offer LVRs of up to 80% for strong-performing businesses with solid financials.
"Thank-you! As first home owners we were very unsure of the process. However, from our very first encounter with Mel, we felt comfortable and certain that we had chosen the right broker for us. Ashleigh helped us through the application process and was always prompt with emails/ phone calls and more than willing to answer our questions. You guys truly are amazing 🤩"
"Thanks to the fantastic team at Zest Mortgage Solutions. They made an incredibly complex business investment purchase extremely easy for us and kept us up to date with the process as it moved forward. I would highly recommend them and will be utilising their services in the future."
"Mel and the team have been amazing throughout the entire process. We were constantly informed and nothing was too difficult. It really couldn't have been a better experience. We would highly recommend Zest Mortgage Solutions!"
"Mel and the team at Zest Mortgage Solutions make the process of buying a house easy, there was always someone there to assist or answer questions - even during the festive season 😊 thanks team, 💯 recommend"
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"As a single mother, I never thought in a million years I could own my own home. Melissa and her team made the process so easy and stress free. I can’t thank them enough for making my dreams come true. No question was to dumb and they never made me feel like I was bothering them with all my calls for clarification! Would 10/10 recommend them to anyone looking to purchase a house."
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