---
title: "Commercial Loan – Prime (≤$4m) — MA Money"
description: "Business Loans from MA Money. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/ma-money/products/149931b1-c527-4aeb-a0bf-dbe5256ceebf
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-26T05:54:06Z
---

# Commercial Loan – Prime (≤$4m) — MA Money

> Business Loans from MA Money. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Business Loans · MA Money Financial Services Pty Ltd**

MA Money Commercial Loan for Prime-qualified business borrowers. Loans from $100,000 to $4m. Maximum LVR 80% (Full/Alt Doc), 70% (Lease Doc), 65% (Light Doc). Full Doc, Alt Doc, Lease Doc and Light Doc available. Suitable for retail shops, offices, light industrial and warehouses. No annual review or revaluations. Interest Only up to 10 years.

## At a glance

- **From (owner occupied):** 7.79% (Variable)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc – LVR ≤65% – OO P&I. No interest only loading applies for commercial loans.) | 7.79% | — | Full Doc – LVR ≤65%; Loan amount $100,000–$4,000,000 |
| Variable (Lease Doc – LVR ≤65% – OO P&I. No interest only loading applies for commercial loans.) | 8.04% | — | Lease Doc – LVR ≤65%; Loan amount $100,000–$2,000,000 |
| Variable (Full Doc – LVR ≤70% – OO P&I. No interest only loading applies for commercial loans.) | 8.14% | — | Full Doc – LVR ≤70%; Loan amount $100,000–$4,000,000 |
| Variable (Full Doc – LVR ≤75% – OO P&I. No interest only loading applies for commercial loans.) | 8.29% | — | Full Doc – LVR ≤75%; Loan amount $100,000–$3,000,000 |
| Variable (Alt Doc – LVR ≤65% – OO P&I. No interest only loading applies for commercial loans.) | 8.44% | — | Alt Doc – LVR ≤65%; Loan amount $100,000–$4,000,000 |
| Variable (Lease Doc – LVR ≤70% – OO P&I. No interest only loading applies for commercial loans.) | 8.44% | — | Lease Doc – LVR ≤70%; Loan amount $100,000–$2,000,000 |
| Variable (Alt Doc – LVR ≤70% – OO P&I. No interest only loading applies for commercial loans.) | 8.59% | — | Alt Doc – LVR ≤70%; Loan amount $100,000–$4,000,000 |
| Variable (Full Doc – LVR ≤80% – OO P&I. No interest only loading applies for commercial loans.) | 8.69% | — | Full Doc – LVR ≤80%; Loan amount $100,000–$2,500,000 |
| Variable (Alt Doc – LVR ≤75% – OO P&I. No interest only loading applies for commercial loans.) | 8.94% | — | Alt Doc – LVR ≤75%; Loan amount $100,000–$3,000,000 |
| Variable (Light Doc – LVR ≤65% – OO P&I. No interest only loading applies for commercial loans.) | 9.64% | — | Light Doc – LVR ≤65%; Loan amount $100,000–$2,000,000 |
| Variable (Alt Doc – LVR ≤80% – OO P&I. No interest only loading applies for commercial loans.) | 9.74% | — | Alt Doc – LVR ≤80%; Loan amount $100,000–$2,500,000 |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc – LVR ≤65% – OO IO. No interest only loading applies for commercial loans.) | 7.79% | — | Full Doc – LVR ≤65%; Loan amount $100,000–$4,000,000 |
| Variable (Lease Doc – LVR ≤65% – OO IO. No interest only loading applies for commercial loans.) | 8.04% | — | Lease Doc – LVR ≤65%; Loan amount $100,000–$2,000,000 |
| Variable (Full Doc – LVR ≤70% – OO IO. No interest only loading applies for commercial loans.) | 8.14% | — | Full Doc – LVR ≤70%; Loan amount $100,000–$4,000,000 |
| Variable (Full Doc – LVR ≤75% – OO IO. No interest only loading applies for commercial loans.) | 8.29% | — | Full Doc – LVR ≤75%; Loan amount $100,000–$3,000,000 |
| Variable (Alt Doc – LVR ≤65% – OO IO. No interest only loading applies for commercial loans.) | 8.44% | — | Alt Doc – LVR ≤65%; Loan amount $100,000–$4,000,000 |
| Variable (Lease Doc – LVR ≤70% – OO IO. No interest only loading applies for commercial loans.) | 8.44% | — | Lease Doc – LVR ≤70%; Loan amount $100,000–$2,000,000 |
| Variable (Alt Doc – LVR ≤70% – OO IO. No interest only loading applies for commercial loans.) | 8.59% | — | Alt Doc – LVR ≤70%; Loan amount $100,000–$4,000,000 |
| Variable (Full Doc – LVR ≤80% – OO IO. No interest only loading applies for commercial loans.) | 8.69% | — | Full Doc – LVR ≤80%; Loan amount $100,000–$2,500,000 |
| Variable (Alt Doc – LVR ≤75% – OO IO. No interest only loading applies for commercial loans.) | 8.94% | — | Alt Doc – LVR ≤75%; Loan amount $100,000–$3,000,000 |
| Variable (Light Doc – LVR ≤65% – OO IO. No interest only loading applies for commercial loans.) | 9.64% | — | Light Doc – LVR ≤65%; Loan amount $100,000–$2,000,000 |
| Variable (Alt Doc – LVR ≤80% – OO IO. No interest only loading applies for commercial loans.) | 9.74% | — | Alt Doc – LVR ≤80%; Loan amount $100,000–$2,500,000 |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc – LVR ≤65% – Inv P&I. No interest only loading applies for commercial loans.) | 7.79% | — | Full Doc – LVR ≤65%; Loan amount $100,000–$4,000,000 |
| Variable (Lease Doc – LVR ≤65% – Inv P&I. No interest only loading applies for commercial loans.) | 8.04% | — | Lease Doc – LVR ≤65%; Loan amount $100,000–$2,000,000 |
| Variable (Full Doc – LVR ≤70% – Inv P&I. No interest only loading applies for commercial loans.) | 8.14% | — | Full Doc – LVR ≤70%; Loan amount $100,000–$4,000,000 |
| Variable (Full Doc – LVR ≤75% – Inv P&I. No interest only loading applies for commercial loans.) | 8.29% | — | Full Doc – LVR ≤75%; Loan amount $100,000–$3,000,000 |
| Variable (Alt Doc – LVR ≤65% – Inv P&I. No interest only loading applies for commercial loans.) | 8.44% | — | Alt Doc – LVR ≤65%; Loan amount $100,000–$4,000,000 |
| Variable (Lease Doc – LVR ≤70% – Inv P&I. No interest only loading applies for commercial loans.) | 8.44% | — | Lease Doc – LVR ≤70%; Loan amount $100,000–$2,000,000 |
| Variable (Alt Doc – LVR ≤70% – Inv P&I. No interest only loading applies for commercial loans.) | 8.59% | — | Alt Doc – LVR ≤70%; Loan amount $100,000–$4,000,000 |
| Variable (Full Doc – LVR ≤80% – Inv P&I. No interest only loading applies for commercial loans.) | 8.69% | — | Full Doc – LVR ≤80%; Loan amount $100,000–$2,500,000 |
| Variable (Alt Doc – LVR ≤75% – Inv P&I. No interest only loading applies for commercial loans.) | 8.94% | — | Alt Doc – LVR ≤75%; Loan amount $100,000–$3,000,000 |
| Variable (Light Doc – LVR ≤65% – Inv P&I. No interest only loading applies for commercial loans.) | 9.64% | — | Light Doc – LVR ≤65%; Loan amount $100,000–$2,000,000 |
| Variable (Alt Doc – LVR ≤80% – Inv P&I. No interest only loading applies for commercial loans.) | 9.74% | — | Alt Doc – LVR ≤80%; Loan amount $100,000–$2,500,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc – LVR ≤65% – Inv IO. No interest only loading applies for commercial loans.) | 7.79% | — | Full Doc – LVR ≤65%; Loan amount $100,000–$4,000,000 |
| Variable (Lease Doc – LVR ≤65% – Inv IO. No interest only loading applies for commercial loans.) | 8.04% | — | Lease Doc – LVR ≤65%; Loan amount $100,000–$2,000,000 |
| Variable (Full Doc – LVR ≤70% – Inv IO. No interest only loading applies for commercial loans.) | 8.14% | — | Full Doc – LVR ≤70%; Loan amount $100,000–$4,000,000 |
| Variable (Full Doc – LVR ≤75% – Inv IO. No interest only loading applies for commercial loans.) | 8.29% | — | Full Doc – LVR ≤75%; Loan amount $100,000–$3,000,000 |
| Variable (Alt Doc – LVR ≤65% – Inv IO. No interest only loading applies for commercial loans.) | 8.44% | — | Alt Doc – LVR ≤65%; Loan amount $100,000–$4,000,000 |
| Variable (Lease Doc – LVR ≤70% – Inv IO. No interest only loading applies for commercial loans.) | 8.44% | — | Lease Doc – LVR ≤70%; Loan amount $100,000–$2,000,000 |
| Variable (Alt Doc – LVR ≤70% – Inv IO. No interest only loading applies for commercial loans.) | 8.59% | — | Alt Doc – LVR ≤70%; Loan amount $100,000–$4,000,000 |
| Variable (Full Doc – LVR ≤80% – Inv IO. No interest only loading applies for commercial loans.) | 8.69% | — | Full Doc – LVR ≤80%; Loan amount $100,000–$2,500,000 |
| Variable (Alt Doc – LVR ≤75% – Inv IO. No interest only loading applies for commercial loans.) | 8.94% | — | Alt Doc – LVR ≤75%; Loan amount $100,000–$3,000,000 |
| Variable (Light Doc – LVR ≤65% – Inv IO. No interest only loading applies for commercial loans.) | 9.64% | — | Light Doc – LVR ≤65%; Loan amount $100,000–$2,000,000 |
| Variable (Alt Doc – LVR ≤80% – Inv IO. No interest only loading applies for commercial loans.) | 9.74% | — | Alt Doc – LVR ≤80%; Loan amount $100,000–$2,500,000 |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Application Fee — Application fee $899. Excludes GST. | Upfront | $899.00 |
| Monthly Fee — Charged monthly · Monthly fee $25. Excludes GST. | Ongoing | $25.00 |
| Offset Account Fee — Charged monthly · No fee to hold an offset account. Excludes GST. | Ongoing | $0.00 |
| Valuation Fee — Valuation fees are charged at cost and paid prior to valuation being ordered via Property Hub. Full valuations only for commercial loans. Excludes GST. | Event | From $0.00 |
| Legal Fee — Legal fee from $750. Excludes GST. | Event | From $750.00 |
| Discharge Fee — Discharge fee from $500. Excludes GST. | Exit | From $500.00 |
| Early Repayment Fee — 2% of the original loan amount if the loan is fully repaid within the first 3 years. No early repayment fee after 3 years. Excludes GST. | Exit | 2% of balance |
| Risk Fee – Full Doc and Lease Doc — Risk fee 0.85% of the loan amount applies to Full Doc and Lease Doc at all LVRs available under this product. Excludes GST. | Upfront | 0.85% of balance |
| Risk Fee – Alt Doc and Light Doc — Risk fee 1.00% of the loan amount applies to Alt Doc and Light Doc at all LVRs available under this product. Excludes GST. | Upfront | 1% of balance |

## Features

- **Offset account** (Up to 4 offset accounts per loan (1 per split). No offset account fee.)
- **Redraw facility** (Redraw facility available.)
- **Digital banking** (Customer portal, direct debits and direct credits available.)
- **Up to 4 loan splits per loan.**
- **Interest Only available up to 10 years. No IO loading on commercial loans — IO rate equals P&I rate.**
- **No annual review or revaluations required.**
- **No clawbacks on commercial loans.**
- **Cash out to maximum LVR available.**
- **Business debt consolidation available to maximum LVR. ATO and private loan debt can be consolidated for Near Prime loans.**

## Eligibility

- **Available to companies, trusts and individuals. Up to 6 borrowers. Loan purpose must be predominantly (>50%) for business purposes. A signed Business Purpose Declaration is required, confirming acknowledgment of non-NCCP coverage.**
- **Prime credit quality required. Aggregate paid defaults up to $1,000 may be considered. Mortgage arrears, other arrears and bankruptcy are not accepted under Prime. See MA Money's Commercial Rate and Product Guide at mamoney.com.au for full criteria.**
- **Minimum Debt Service Coverage Ratio (DSCR) > 1.0x. Buffer rate +2.01% applied. IO loans assessed on P&I basis over remaining term. Lease Doc: Interest Coverage Ratio (ICR) ≥ 1.2x. See MA Money's Commercial Rate and Product Guide for full serviceability criteria.**
- **ABN must be held for more than 24 months and GST registration for more than 12 months.**
- **Commercial property zoned commercial or similar, situated in Australia, secured by first registered mortgage. Acceptable types: retail shops, offices, light industrial and warehouses. Maximum 25 acres. Mixed use acceptable where predominantly commercial use and commercial valuation is held. Vacant Land: Category 1 only, maximum loan amount $2m and maximum 65% LVR.**
- **Loan term 5 to 30 years. Interest Only available up to 10 years.**
- **Product maximum is $4m. Category 1 Metro/Non-Metro: maximum loan $4m for this product; maximum LVR 80%. Eligible Category 1 Prime loans above $4m are represented separately under Commercial Loan – Prime Large (>$4m to $8m). Category 2: maximum loan $3m; maximum LVR 70%. Category 3: maximum loan $500k; maximum LVR 65%. Postcode category may further restrict availability within the product, LVR and document-type caps.**
- **Residency status** — Australian-based borrowers; limited expat eligibility where stated (Expat borrowers may be eligible for Commercial Loans up to $2m, subject to policy, serviceability and credit assessment criteria.)
- **Full Documentation (Full Doc): 1 year company/trust and personal tax returns. Alternative Documentation (Alt Doc): Declaration of Financial Position plus accountant letter, last 2 BAS, or 6 months business bank statements. Lease Documentation (Lease Doc): minimum 24 months remaining lease term (Prime); minimum 6 months (Near Prime). ICR ≥ 1.2x applies. Light Documentation (Light Doc, Prime only): Declaration of Financial Position. Maximum 65% LVR. PAYG Full Doc: last 2 payslips. See MA Money's Commercial Rate and Product Guide at mamoney.com.au for full details.**

## Constraints

- **Minimum limit** — $100,000.00 (Minimum loan $100,000.)
- **Maximum limit** — $4,000,000.00 (Alt Doc: maximum loan amount $4m for LVR up to and including 65.00%.)
- **Maximum limit** — $4,000,000.00 (Full Doc: maximum loan amount $4m for LVR up to and including 65.00%.)
- **Maximum limit** — $2,000,000.00 (Lease Doc: maximum loan amount $2m for LVR up to and including 65.00%.)
- **Maximum limit** — $2,000,000.00 (Light Doc: maximum loan amount $2m for LVR up to and including 65.00%.)
- **Maximum limit** — $4,000,000.00 (Alt Doc: maximum loan amount $4m for LVR greater than 65.00% and up to and including 70.00%.)
- **Maximum limit** — $4,000,000.00 (Full Doc: maximum loan amount $4m for LVR greater than 65.00% and up to and including 70.00%.)
- **Maximum limit** — $2,000,000.00 (Lease Doc: maximum loan amount $2m for LVR greater than 65.00% and up to and including 70.00%.)
- **Maximum limit** — $3,000,000.00 (Alt Doc: maximum loan amount $3m for LVR greater than 70.00% and up to and including 75.00%.)
- **Maximum limit** — $3,000,000.00 (Full Doc: maximum loan amount $3m for LVR greater than 70.00% and up to and including 75.00%.)
- **Maximum limit** — $2,500,000.00 (Alt Doc: maximum loan amount $2.5m for LVR greater than 75.00% and up to and including 80.00%.)
- **Maximum limit** — $2,500,000.00 (Full Doc: maximum loan amount $2.5m for LVR greater than 75.00% and up to and including 80.00%.)
- **Maximum limit** — $4,000,000.00 (Category 1 maximum loan amount $4m, subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum LVR** — 80% (Category 1 maximum LVR 80%, subject to the applicable product, loan amount, documentation and security restrictions.)
- **Maximum limit** — $3,000,000.00 (Category 2 maximum loan amount $3m, subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum LVR** — 70% (Category 2 maximum LVR 70%, subject to the applicable product, loan amount, documentation and security restrictions.)
- **Maximum limit** — $500,000.00 (Category 3 maximum loan amount $500k, subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum LVR** — 65% (Category 3 maximum LVR 65%, subject to the applicable product, loan amount, documentation and security restrictions.)
- **Maximum LVR** — 80% (Absolute product maximum LVR 80%, subject to the applicable loan amount, documentation type, postcode category and security conditions.)
- **Maximum LVR** — 65% (Commercial vacant land security in Category 1: maximum LVR 65%.)

## More information from MA Money

- [Overview](https://www.mamoney.com.au/brokers/resources/rate-product-information/commercial-rate-product-guide/)
- [Terms & conditions](https://www.mamoney.com.au/terms-conditions/)
- [Eligibility](https://www.mamoney.com.au/brokers/resources/rate-product-information/commercial-rate-product-guide/)
- [Fees & pricing](https://www.mamoney.com.au/brokers/resources/rate-product-information/commercial-rate-product-guide/)

## Data provenance

- Published by MA Money under the Consumer Data Right
- Product ID: `149931b1-c527-4aeb-a0bf-dbe5256ceebf`
- Last updated by the provider: 26 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/ma-money/149931b1-c527-4aeb-a0bf-dbe5256ceebf
- Provider page: https://www.cdrcompare.au/brands/ma-money

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/ma-money/products/149931b1-c527-4aeb-a0bf-dbe5256ceebf) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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