---
title: "Commercial Loan – Prime Large (>$4m to $8m) — 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/f199dbfc-8400-4adf-8724-01485bd57b4f
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-26T05:54:07Z
---

# Commercial Loan – Prime Large (>$4m to $8m) — 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 seeking larger loan sizes. Loans above $4m to $8m. Maximum LVR 70%. Full Doc and Alt Doc available. Suitable for retail shops, offices, light industrial and warehouses. Risk fee is 0.85% for Full Doc and 1.00% for Alt Doc at available LVRs. 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 (>$4m to $8m) – LVR ≤65% – OO P&I. No interest only loading applies for commercial loans.) | 8.49% | — | Full Doc (>$4m to $8m) – LVR ≤65%; Loan amount $4,000,001–$8,000,000 |
| Variable (Full Doc (>$4m to $8m) – LVR ≤70% – OO P&I. No interest only loading applies for commercial loans.) | 8.79% | — | Full Doc (>$4m to $8m) – LVR ≤70%; Loan amount $4,000,001–$7,000,000 |
| Variable (Alt Doc (>$4m to $8m) – LVR ≤65% – OO P&I. No interest only loading applies for commercial loans.) | 9.14% | — | Alt Doc (>$4m to $8m) – LVR ≤65%; Loan amount $4,000,001–$6,000,000 |
| Variable (Alt Doc (>$4m to $8m) – LVR ≤70% – OO P&I. No interest only loading applies for commercial loans.) | 9.24% | — | Alt Doc (>$4m to $8m) – LVR ≤70%; Loan amount $4,000,001–$6,000,000 |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc (>$4m to $8m) – LVR ≤65% – OO IO. No interest only loading applies for commercial loans.) | 8.49% | — | Full Doc (>$4m to $8m) – LVR ≤65%; Loan amount $4,000,001–$8,000,000 |
| Variable (Full Doc (>$4m to $8m) – LVR ≤70% – OO IO. No interest only loading applies for commercial loans.) | 8.79% | — | Full Doc (>$4m to $8m) – LVR ≤70%; Loan amount $4,000,001–$7,000,000 |
| Variable (Alt Doc (>$4m to $8m) – LVR ≤65% – OO IO. No interest only loading applies for commercial loans.) | 9.14% | — | Alt Doc (>$4m to $8m) – LVR ≤65%; Loan amount $4,000,001–$6,000,000 |
| Variable (Alt Doc (>$4m to $8m) – LVR ≤70% – OO IO. No interest only loading applies for commercial loans.) | 9.24% | — | Alt Doc (>$4m to $8m) – LVR ≤70%; Loan amount $4,000,001–$6,000,000 |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc (>$4m to $8m) – LVR ≤65% – Inv P&I. No interest only loading applies for commercial loans.) | 8.49% | — | Full Doc (>$4m to $8m) – LVR ≤65%; Loan amount $4,000,001–$8,000,000 |
| Variable (Full Doc (>$4m to $8m) – LVR ≤70% – Inv P&I. No interest only loading applies for commercial loans.) | 8.79% | — | Full Doc (>$4m to $8m) – LVR ≤70%; Loan amount $4,000,001–$7,000,000 |
| Variable (Alt Doc (>$4m to $8m) – LVR ≤65% – Inv P&I. No interest only loading applies for commercial loans.) | 9.14% | — | Alt Doc (>$4m to $8m) – LVR ≤65%; Loan amount $4,000,001–$6,000,000 |
| Variable (Alt Doc (>$4m to $8m) – LVR ≤70% – Inv P&I. No interest only loading applies for commercial loans.) | 9.24% | — | Alt Doc (>$4m to $8m) – LVR ≤70%; Loan amount $4,000,001–$6,000,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc (>$4m to $8m) – LVR ≤65% – Inv IO. No interest only loading applies for commercial loans.) | 8.49% | — | Full Doc (>$4m to $8m) – LVR ≤65%; Loan amount $4,000,001–$8,000,000 |
| Variable (Full Doc (>$4m to $8m) – LVR ≤70% – Inv IO. No interest only loading applies for commercial loans.) | 8.79% | — | Full Doc (>$4m to $8m) – LVR ≤70%; Loan amount $4,000,001–$7,000,000 |
| Variable (Alt Doc (>$4m to $8m) – LVR ≤65% – Inv IO. No interest only loading applies for commercial loans.) | 9.14% | — | Alt Doc (>$4m to $8m) – LVR ≤65%; Loan amount $4,000,001–$6,000,000 |
| Variable (Alt Doc (>$4m to $8m) – LVR ≤70% – Inv IO. No interest only loading applies for commercial loans.) | 9.24% | — | Alt Doc (>$4m to $8m) – LVR ≤70%; Loan amount $4,000,001–$6,000,000 |

## 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 – Full Doc — Risk fee 0.85% of the loan amount applies to Full Doc Prime Large Commercial Loans at all available LVRs. Excludes GST. | Upfront | 0.85% of balance |
| Risk Fee – Alt Doc — Risk fee 1.00% of the loan amount applies to Alt Doc Prime Large Commercial Loans at all available LVRs. 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. Lease Doc and Light Doc are not available above $4m. 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 is not available under this $4m-$8m product because Commercial vacant land is capped at $2m, 65% LVR and Category 1 only.**
- **Loan term 5 to 30 years. Interest Only available up to 10 years.**
- **Category 1 only for this >$4m to $8m product. Category 2 maximum loan is $3m and Category 3 maximum loan is $500k, which are below this product’s $4m minimum; use Commercial Loan - Prime (<= $4m) where relevant.**
- **Residency status** — Australian-based borrowers; limited expat eligibility where stated (Expat Commercial Loans are limited to $2m and are therefore not available under this >$4m to $8m product.)
- **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 Doc and Light Doc are not available above $4m. 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** — $4,000,001.00 (Minimum loan $4,000,001. Loans ≤$4m see Commercial Loan – Prime (≤$4m).)
- **Maximum limit** — $6,000,000.00 (Alt Doc: maximum loan amount $6m for LVR up to and including 65.00%.)
- **Maximum limit** — $8,000,000.00 (Full Doc: maximum loan amount $8m for LVR up to and including 65.00%.)
- **Maximum limit** — $6,000,000.00 (Alt Doc: maximum loan amount $6m for LVR greater than 65.00% and up to and including 70.00%.)
- **Maximum limit** — $7,000,000.00 (Full Doc: maximum loan amount $7m for LVR greater than 65.00% and up to and including 70.00%.)
- **Maximum limit** — $8,000,000.00 (Category 1 maximum loan amount $8m, subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum LVR** — 70% (Category 1 maximum LVR 70%, subject to the applicable product, loan amount, documentation and security restrictions.)
- **Maximum LVR** — 70% (Absolute product maximum LVR 70%, subject to the applicable loan amount, documentation type, postcode category and security conditions.)

## 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: `f199dbfc-8400-4adf-8724-01485bd57b4f`
- Last updated by the provider: 26 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/ma-money/f199dbfc-8400-4adf-8724-01485bd57b4f
- Provider page: https://www.cdrcompare.au/brands/ma-money

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/ma-money/products/f199dbfc-8400-4adf-8724-01485bd57b4f) — 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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