---
title: "Commercial Loan – Near 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/1de052ae-cb83-4b0e-8729-56d0c3b70fed
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-26T05:54:08Z
---

# Commercial Loan – Near 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 Near Prime-qualified business borrowers. Loans from $100,000 to $4m. Maximum LVR 80% for Full Doc and Alt Doc, and 70% for Lease Doc. Full Doc, Alt Doc and Lease Doc available. Risk fee 1.25% at all available LVRs. Accommodates broader credit impairment, including paid or unpaid defaults up to $3,000 and larger defaults subject to seasoning requirements. Interest Only up to 10 years.

## At a glance

- **From (owner occupied):** 8.49% (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.) | 8.49% | — | 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.) | 8.54% | — | 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.) | 8.69% | — | Full Doc – LVR ≤70%; Loan amount $100,000–$4,000,000 |
| Variable (Alt Doc – LVR ≤65% – OO P&I. No interest only loading applies for commercial loans.) | 8.74% | — | 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.) | 8.74% | — | Lease Doc – LVR ≤70%; Loan amount $100,000–$2,000,000 |
| Variable (Full Doc – LVR ≤75% – OO P&I. No interest only loading applies for commercial loans.) | 8.79% | — | Full Doc – LVR ≤75%; Loan amount $100,000–$3,000,000 |
| Variable (Alt Doc – LVR ≤70% – OO P&I. No interest only loading applies for commercial loans.) | 8.94% | — | 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.) | 8.99% | — | Full Doc – LVR ≤80%; Loan amount $100,000–$2,000,000 |
| Variable (Alt Doc – LVR ≤75% – OO P&I. No interest only loading applies for commercial loans.) | 9.24% | — | Alt Doc – LVR ≤75%; Loan amount $100,000–$3,000,000 |
| Variable (Alt Doc – LVR ≤80% – OO P&I. No interest only loading applies for commercial loans.) | 10.14% | — | Alt Doc – LVR ≤80%; Loan amount $100,000–$2,000,000 |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc – LVR ≤65% – OO IO. No interest only loading applies for commercial loans.) | 8.49% | — | 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.) | 8.54% | — | 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.) | 8.69% | — | Full Doc – LVR ≤70%; Loan amount $100,000–$4,000,000 |
| Variable (Alt Doc – LVR ≤65% – OO IO. No interest only loading applies for commercial loans.) | 8.74% | — | 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.) | 8.74% | — | Lease Doc – LVR ≤70%; Loan amount $100,000–$2,000,000 |
| Variable (Full Doc – LVR ≤75% – OO IO. No interest only loading applies for commercial loans.) | 8.79% | — | Full Doc – LVR ≤75%; Loan amount $100,000–$3,000,000 |
| Variable (Alt Doc – LVR ≤70% – OO IO. No interest only loading applies for commercial loans.) | 8.94% | — | 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.) | 8.99% | — | Full Doc – LVR ≤80%; Loan amount $100,000–$2,000,000 |
| Variable (Alt Doc – LVR ≤75% – OO IO. No interest only loading applies for commercial loans.) | 9.24% | — | Alt Doc – LVR ≤75%; Loan amount $100,000–$3,000,000 |
| Variable (Alt Doc – LVR ≤80% – OO IO. No interest only loading applies for commercial loans.) | 10.14% | — | Alt Doc – LVR ≤80%; Loan amount $100,000–$2,000,000 |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc – LVR ≤65% – Inv P&I. No interest only loading applies for commercial loans.) | 8.49% | — | 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.) | 8.54% | — | 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.) | 8.69% | — | Full Doc – LVR ≤70%; Loan amount $100,000–$4,000,000 |
| Variable (Alt Doc – LVR ≤65% – Inv P&I. No interest only loading applies for commercial loans.) | 8.74% | — | 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.) | 8.74% | — | Lease Doc – LVR ≤70%; Loan amount $100,000–$2,000,000 |
| Variable (Full Doc – LVR ≤75% – Inv P&I. No interest only loading applies for commercial loans.) | 8.79% | — | Full Doc – LVR ≤75%; Loan amount $100,000–$3,000,000 |
| Variable (Alt Doc – LVR ≤70% – Inv P&I. No interest only loading applies for commercial loans.) | 8.94% | — | 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.) | 8.99% | — | Full Doc – LVR ≤80%; Loan amount $100,000–$2,000,000 |
| Variable (Alt Doc – LVR ≤75% – Inv P&I. No interest only loading applies for commercial loans.) | 9.24% | — | Alt Doc – LVR ≤75%; Loan amount $100,000–$3,000,000 |
| Variable (Alt Doc – LVR ≤80% – Inv P&I. No interest only loading applies for commercial loans.) | 10.14% | — | Alt Doc – LVR ≤80%; Loan amount $100,000–$2,000,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc – LVR ≤65% – Inv IO. No interest only loading applies for commercial loans.) | 8.49% | — | 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.) | 8.54% | — | 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.) | 8.69% | — | Full Doc – LVR ≤70%; Loan amount $100,000–$4,000,000 |
| Variable (Alt Doc – LVR ≤65% – Inv IO. No interest only loading applies for commercial loans.) | 8.74% | — | 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.) | 8.74% | — | Lease Doc – LVR ≤70%; Loan amount $100,000–$2,000,000 |
| Variable (Full Doc – LVR ≤75% – Inv IO. No interest only loading applies for commercial loans.) | 8.79% | — | Full Doc – LVR ≤75%; Loan amount $100,000–$3,000,000 |
| Variable (Alt Doc – LVR ≤70% – Inv IO. No interest only loading applies for commercial loans.) | 8.94% | — | 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.) | 8.99% | — | Full Doc – LVR ≤80%; Loan amount $100,000–$2,000,000 |
| Variable (Alt Doc – LVR ≤75% – Inv IO. No interest only loading applies for commercial loans.) | 9.24% | — | Alt Doc – LVR ≤75%; Loan amount $100,000–$3,000,000 |
| Variable (Alt Doc – LVR ≤80% – Inv IO. No interest only loading applies for commercial loans.) | 10.14% | — | Alt Doc – LVR ≤80%; Loan amount $100,000–$2,000,000 |

## 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 — Risk fee 1.25% of the loan amount applies at all available LVRs and documentation types for Near Prime Commercial Loans. Excludes GST. | Upfront | 1.25% 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.**
- **Near Prime credit quality. Paid or unpaid defaults up to $3,000 may be considered. For defaults over $3,000, unlimited paid defaults may be considered when listed for more than 12 months, and paid or unpaid defaults when listed for more than 24 months. Mortgage arrears up to 1 month within the last 6 months, other arrears up to 3 months within the last 3 months, and bankruptcy discharged for more than 1 day may be considered. Lease Doc requires at least 6 months remaining on the lease. 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 > 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.**
- **Category 1 Metro/Non-Metro: maximum loan $4m at ≤65% LVR; maximum LVR 80%. Category 2: maximum loan $3m; maximum LVR 70%. Category 3: maximum loan $500k; maximum LVR 65%. Postcode category may further restrict availability.**
- **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** — $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** — $2,000,000.00 (Alt Doc: maximum loan amount $2m for LVR greater than 75.00% and up to and including 80.00%.)
- **Maximum limit** — $2,000,000.00 (Full Doc: maximum loan amount $2m 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: `1de052ae-cb83-4b0e-8729-56d0c3b70fed`
- Last updated by the provider: 26 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/ma-money/1de052ae-cb83-4b0e-8729-56d0c3b70fed
- Provider page: https://www.cdrcompare.au/brands/ma-money

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/ma-money/products/1de052ae-cb83-4b0e-8729-56d0c3b70fed) — 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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