Business Acquisition & Commercial Business Loans
Buying an established business, expanding your operations, or purchasing commercial enterprise assets requires specialized funding structures. At HQ Mortgage (located at 10/857 Doncaster Rd, Doncaster East VIC 3109), we navigate complex lender criteria for self-employed buyers, first-time business purchasers, and established enterprises across Melbourne and nationwide.
Business Purchase Lending Policies & LVR Thresholds
Securing funding to purchase an existing business depends heavily on your trading history, the target business’s financials, and your loan amount. Understanding lender risk appetite is critical to a successful application:
| Borrower / Loan Criteria | Lender Policy & Assessment Requirements |
|---|---|
| Business Trading & Financial History | If you are self-employed, lenders generally require a minimum of 1 year of business financials for your own entity, plus 2 years of historical financials for the business you are acquiring. |
| LVR & Loan Amount ($500k+ Rule) | Most mainstream lenders cap business purchase funding at 65% LVR. However, select specialist lenders can go up to 80% of the business purchase price if your total loan amount exceeds $500k and strong cash flows are demonstrated. |
| First-Time Business Buyers | If this is your first business acquisition, lenders enforce stricter scrutiny. You must supply your current personal income and employment history, a comprehensive Statement of Position, a formal business plan, and projected cash flow forecasts. |
Interactive Business Purchase & LVR Estimator
Estimate your required equity contribution and maximum borrowing power based on the target business acquisition price:
Request a Business Loan & Acquisition Review
Submit your business purchase details for a confidential policy and borrowing assessment in under 60 seconds.
How HQ Mortgage Structures Business Loans
- Specialist Lender Matching: Sourcing lenders who look beyond standard 65% caps to achieve up to 80% LVR for larger funding amounts ($500k+).
- Comprehensive Submission Packaging: Crafting professional business plans, statement of position schedules, and cash flow projections for first-time buyers.
- Seamless Deal Coordination: Liaising between accountants, business brokers, solicitors, and lenders to ensure smooth settlement.
- Local Expertise, National Reach: Based at 10/857 Doncaster Rd, Doncaster East VIC 3109, supporting business owners across Melbourne and Australia.
Frequently Asked Questions About Business Loans
What financials are required if I am self-employed buying a business?
Lenders generally require at least 1 year of financial records for your existing operating entity and 2 years of historical financials for the business you intend to acquire.
Can I borrow up to 80% to buy a business?
Yes, while most mainstream lenders cap business purchase loans at 65% LVR, select specialist lenders on our panel can extend up to 80% LVR provided the total loan amount is $500,000 or more and strong financial viability is proven.
What extra documents do first-time business buyers need?
If you have never owned a business before, lenders require verification of your personal income and employment history, a detailed Statement of Position, a formal business plan, and projected cash flow statements.
Can business loans be secured by residential property equity?
Yes. Many business owners leverage residential property equity (via a commercial or residential mortgage extension) to secure lower interest rates and more flexible terms than unsecured business loans.
Ready to Secure Your Business Funding?
Contact HQ Mortgage today to discuss your business acquisition plans with an experienced finance broker.
- Phone: 0433 371 658
- Email: finance@hqmortgage.com.au
- Office & Postal Address: 10/857 Doncaster Rd, Doncaster East VIC 3109
- Website: https://hqmortgage.com.au
Important Business Loan & General Advice Disclaimer:
Information Current as at October 2026. The information provided on this page and in our business loan calculators is general in nature and is provided for educational and illustrative purposes only. It does not constitute commercial, financial, taxation, legal, or credit advice.
Credit Assessment & Lender Criteria: All business loans, acquisition financing, LVR thresholds (up to 65%–80%), first-time buyer cash flow evaluations, and financial assessments are subject to individual participating lender credit criteria, asset valuation, and final approval. Terms, conditions, establishment fees, and commercial interest rates apply.
HQ Mortgage Service Disclosure: HQ Mortgage operates as a trading name of INRIM Consulting Group. Consult directly with an accredited HQ Mortgage broker to obtain a tailored Assessment and Credit Quote based on your unique business requirements.