NZ
AU
“Soumya from Indus Mortgages made my first home-buying experience smooth and stress-free. She explained everything clearly, kept me updated at every step, and went above and beyond to secure the best deal.”
Commercial & Business Loans in Auckland
From commercial property purchases to business lending, we find the right finance structure for your business goals.
Business Lending
Finance that supports your business, not just your property.
Biju's background in accounting and business finance means we understand commercial lending from the inside out. Whether you're purchasing commercial premises, refinancing existing business debt, or funding growth, we approach the right lenders with a well-prepared case.
Commercial lending is assessed very differently to residential mortgages. Lenders evaluate business financials, serviceability from business income, lease terms, tenant quality, and sector risk. We know what each lender looks for and how to present your application effectively.
We work with small business owners across Auckland, from sole traders to multi-entity operators, across a range of commercial property types and business lending needs.
Commercial lending sits alongside the rest of your borrowing, so it pays to see the whole picture. Our mortgage repayment calculator covers the residential side of a combined position, and how being self-employed affects your mortgage application explains how lenders read business financials.
Discuss Your Business Finance
What We Help With
Commercial finance solutions
Commercial Property Purchase
Buying commercial premises for your business or as an investment. We find lenders comfortable with your property type, sector, and LVR requirements.
Owner-Occupied Commercial
Buying the building your business operates from can be more cost-effective than leasing long-term. We structure owner-occupied commercial loans to maximise tax efficiency.
Commercial Investment
Office, retail, industrial. We understand how lenders assess commercial investment properties and which lenders are most active in each sector.
Business Working Capital
Funding seasonal cash flow requirements, inventory purchases, or bridging gaps between invoicing and payment. We identify the most cost-effective facility for your needs.
Asset Finance
Equipment, vehicles, plant and machinery. We can source asset finance that preserves your working capital and aligns with your business revenue.
Refinance & Restructure
If your current business lending isn't working (rates too high, covenants too restrictive, or structure no longer appropriate) we review and find a better arrangement.
Run The Numbers
Calculators for business borrowers
Further Reading
Reading for business owners
How being self-employed affects your mortgage application
How lenders read company accounts, add-backs and shareholder salaries when assessing a business owner.
Investment property in NZ: LVR rules and what they mean for you
Relevant when commercial and residential investment lending sit in the same structure.
5.0 80+ Google reviews
What our clients are saying.
Real reviews from real Auckland families we've helped through their mortgage journey.
“Thanks to Soumya for assisting us to buy our new house. When speaking with Soumya it’s always like talking with a friend. Answers promptly to the calls, though she is busy at times. Highly recommended.”
“Excellent service. They guided us through every step and helped us secure the best option for our home loan. Thanks for the great support, especially for Soumya and Santhosh.”
“Soumya is a very approachable advisor. She did her part very well right from the start. There was regular follow up from her which helped us a lot. All the best to Soumya and the entire Indus Mortgages team.”
“We had a truly wonderful experience with Indus Mortgages as we pursued our dream home. Their friendly approach in discussing the banking process, coupled with their genuine advice, instilled great confidence in our decision.”
“Thank you Indus Mortgages for advising me and helping to land my first home. They are so responsive and patient throughout my journey. I highly recommend Soumya Shine in helping you for advice.”
“We are thankful to Soumya for assisting us to buy our first home. The service provided was excellent. Soumya is always approachable, knowledgable and proactive.”
“I had a great experience with Indus Mortgages. Really helpful for the refinancing of my home loan. Highly recommended.”
“Soumya from Indus Mortgages made my first home-buying experience smooth and stress-free. She explained everything clearly, kept me updated at every step, and went above and beyond to secure the best deal.”
“Thanks to Soumya for assisting us to buy our new house. When speaking with Soumya it’s always like talking with a friend. Answers promptly to the calls, though she is busy at times. Highly recommended.”
“Excellent service. They guided us through every step and helped us secure the best option for our home loan. Thanks for the great support, especially for Soumya and Santhosh.”
“Soumya is a very approachable advisor. She did her part very well right from the start. There was regular follow up from her which helped us a lot. All the best to Soumya and the entire Indus Mortgages team.”
“We had a truly wonderful experience with Indus Mortgages as we pursued our dream home. Their friendly approach in discussing the banking process, coupled with their genuine advice, instilled great confidence in our decision.”
“Thank you Indus Mortgages for advising me and helping to land my first home. They are so responsive and patient throughout my journey. I highly recommend Soumya Shine in helping you for advice.”
“We are thankful to Soumya for assisting us to buy our first home. The service provided was excellent. Soumya is always approachable, knowledgable and proactive.”
“I had a great experience with Indus Mortgages. Really helpful for the refinancing of my home loan. Highly recommended.”
Let's talk about your business.
Book a free consultation with Biju. His accounting and finance background means you get advice that goes well beyond the mortgage.