Commercial Loan – Prime (≤$4m)
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.
- 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. Promotional reduced rate applies to eligible Prime Full Doc and Alt Doc Commercial Loan new applications up to $4m and 75% LVR submitted between 29 June and 31 July 2026. Rates as marked in the Commercial Rate & Product Guide. · Applicable to new applications submitted between 29 June and 31 July 2026. · Reduced rate applies to eligible Prime Full Doc and Alt Doc Commercial Loans up to $4m and 75% LVR. | 7.79% | — | Full Doc – LVR ≤65% |
| Variable Lease Doc – LVR ≤65% – OO P&I. No interest only loading applies for commercial loans. | 8.04% | — | Lease Doc – LVR ≤65% |
| Variable Full Doc – LVR ≤70% – OO P&I. No interest only loading applies for commercial loans. Promotional reduced rate applies to eligible Prime Full Doc and Alt Doc Commercial Loan new applications up to $4m and 75% LVR submitted between 29 June and 31 July 2026. Rates as marked in the Commercial Rate & Product Guide. · Applicable to new applications submitted between 29 June and 31 July 2026. · Reduced rate applies to eligible Prime Full Doc and Alt Doc Commercial Loans up to $4m and 75% LVR. | 8.14% | — | Full Doc – LVR ≤70% |
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee Application fee $899. Excludes GST. | Upfront | $899.00 |
| Monthly Fee Charged monthly · Monthly fee of $25. Charged on the loan anniversary date each month. 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. |
Features
- Offset account
- Up to 4 offset accounts per loan (1 per split). No offset account fee.
- Redraw facility
- Redraw facility available.
- Digital banking
- Internet banking, 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.
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. No mortgage arrears, other arrears, or bankruptcy are permitted for 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.
- Prime: ABN > 24 months; GST registration > 12 months. Near Prime: ABN > 12 months; GST registration > 6 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.
- 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.
More Information
Published by MA Money under the Consumer Data Right · Last updated 13 July 2026 · Product ID 149931b1-c527-4aeb-a0bf-dbe5256ceebf