Warehouse and industrial property loans

Yes. Major banks will fund up to 100% of the purchase price where you add enough extra security, usually your home or an existing commercial holding, structured as a cross-collateralised facility. The exact structure depends on your file, so talk to us and we will build it around what you hold.

Warehouse and industrial finance is a commercial mortgage used to buy industrial property, from the warehouse or factory your business operates from to a freestanding shed, strata unit or distribution centre held as an investment. LVR and terms depend on the property type, your entity structure and how the premises will be used. Ardent Capital Group is a Sydney-based finance brokerage helping owners and investors buy industrial property across Australia.

Ardent Capital Group brings the same method to every client: execution and strategy, clear advice for smart lending, and long-term growth. That means the right lender, structure and timing, straight advice so you borrow with confidence, and today's deal built toward where you want to be tomorrow. We are specialists in helping business owners secure finance to purchase their own property, and we understand the complex structures that often sit around it, including multiple trusts, holding companies and self-managed super funds. How you'll actually use the shed shapes everything, since an owner-occupier running operations from an industrial unit reads to a lender differently from someone holding it as an investment. We keep that use case front and centre so the application lands with lenders comfortable with it, and stay alongside you as your holdings grow toward the next purchase or refinance. Every figure is subject to serviceability, lender appetite and approval.

Going direct to your bank means one set of lending criteria and one answer. Industrial and warehouse property is a specialist asset class, and not every lender has strong appetite for it. Banks assess industrial lending conservatively, and the same business and property can get very different outcomes depending on which lender assesses it and how the application is structured. A specialist broker knows which lenders are actively funding this type of property right now, how to present the submission correctly, and which ones to avoid. You get the lenders that suit your situation, so you are not approaching each one yourself, rather than working through a list and collecting unnecessary declines.

Warehouses, factories and strata industrial units are standard commercial security and typically gear to around 80%. The major banks assess each owner-occupier file on its merits rather than publishing a limit, so the lender you are taken to matters. Talk to us and we will map your number to your file.

For a straightforward owner-occupier purchase, most clients receive indicative credit terms within 48 hours of our first conversation. Formal approval typically follows within one to two weeks. Investment, trust structures and SMSF lending take longer. We will give you a clear timeline upfront so your purchase schedule stays intact.

For a full-doc application, most lenders require two to three years of business financial statements and tax returns, personal tax returns for all guarantors, and a copy of the contract of sale or expression of interest. That said, many enquiries come from self-employed owners who do not fit neatly into a standard full-doc assessment. Non-bank lenders offer alt-doc and low-doc options where income can be evidenced through an accountant's declaration, BAS statements or bank statements. These products typically carry slightly higher rates but open the door for borrowers whose paperwork understates income. We work through your income situation upfront and identify whether full-doc, alt-doc or low-doc is the right fit for you.

Yes, it is possible, and we arrange these. It is also one of the more intricate purchases in commercial finance, and the detail is what decides whether it works. The fund borrows under a limited recourse borrowing arrangement, so the warehouse sits in a separate holding trust and the lender can only come after that one property. From 10 August 2026 a new arrangement can only be used for business real property: a property trading wholly as a business generally qualifies, a property with a residence attached generally does not. Your operating company leases the warehouse back from the fund, in writing, at market rent supported by an independent appraisal, and the rent has to actually be paid. Cross-collateralisation is not available inside super, so the fund needs its own deposit and the 100% LVR structures described elsewhere on this page do not work here. Lenders cap SMSF lending below a standard purchase, generally between 65% and 75%, and want cash left in the fund after settlement. We know this sounds complicated. It is, and that is exactly why we do it every day. Reach out to our team and we will guide you through the entire process. We structure the finance, tell you which lenders will take a warehouse as SMSF security and on what terms, and bring in the SMSF specialists and licensed advisers who set the fund side up. You will not be working it out on your own. Get that right and it is a solid, compliant structure.

Often, yes. A decline from your bank does not necessarily mean the purchase is not fundable. Banks have rigid credit policies, and industrial property does not always fit neatly within them. Non-bank lenders assess applications differently, and sometimes a structuring or presentation issue is all that stood between you and an approval. We will give you an honest assessment of what is possible before proceeding.

Owner-occupied industrial, where your own business operates from the premises, is assessed on your business trading and cash flow alongside the property, and is often viewed as a going concern. Investment industrial, leased to a tenant, is assessed on the lease, the tenant covenant and the rental income. Both are financeable. The approach and the lender choice differ depending on which one applies.

Most of the time, no. We are paid a commission by the lender once your loan settles, so there is no cost to you. Where your financials are complex, your structure is unusual, or the application requires significant preparation before it can go to a lender, we may charge a small mandate fee depending on the complexity. We will always be upfront about this before any work begins.

Although we are based in Sydney, we service clients across all major Australian cities, including Melbourne, Perth, Brisbane, the Gold Coast, Adelaide, Canberra and Hobart, along with their surrounding regional areas. Wherever your warehouse or industrial property is located, we can arrange your finance.

Although our main speciality is property loans for business owners, we also assist with forklift and materials-handling finance and working capital for warehousing businesses. On asset finance, that covers forklifts, racking and shelving, materials-handling and processing machinery, and commercial vehicles or trucks. On working capital, we arrange business overdrafts, lines of credit and cash-flow funding to cover stock and inventory, supplier payments and seasonal gaps.

Yes. That is our core ethos, helping you understand the right strategy, structure and clear advice from the very first conversation. Our main borrower profiles are established business owners and industrial operators seeking finance from $100,000 upwards for their company, so a first commercial loan is well within our wheelhouse. Smaller sole-trader and consumer-style ABN lending sits outside our field.