Whether you’re purchasing your first commercial premises, expanding into a new site, or investing in property for long-term returns — the right finance structure makes all the difference.

At Grace Cartledge Finance, I help clients secure tailored commercial property lending solutions that fit their business goals, cash flow, and investment strategy. From owner-occupied offices to retail spaces, warehouses, or mixed-use developments, I’ll help you access finance that works for your vision.

Commercial lending can be complex. Across lenders there are different policies, valuation methods and approval criteria. My role is to simplify it all. I compare a range of lenders, structure your application strategically and guide you through the process with clarity and confidence.

I can assist with:

• Owner-Occupied Commercial Property Loans – Purchase or refinance the premises you operate from and build long-term equity in your business.

• Investment Property Loans – Secure funding for retail, industrial or office investments designed to generate passive income.

• Refinancing & Equity Release – Optimise your existing loan or access equity for growth, expansion, or diversification.

• Development & Construction Finance – Fund new builds or significant renovations with structured lending suited to your project.

Each solution is designed around your goals while balancing flexibility, cashflow and lender conditions.

I work with Business owners purchasing or refinancing their premises, investors acquiring commercial or industrial properties, developers seeking funding for construction or mixed-use projects, professionals and SMSFs expanding their property portfolios.

Whether you’re purchasing, refinancing, or developing, I’ll help you navigate the market with confidence.