Solutions · SMSF Commercial Property
Your fund, buying property, without a bank's SMSF checklist.
Limited recourse finance for self-managed super funds buying commercial or business real property, assessed directly, not shopped around.
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Tell us the deal. No forms to hunt for.
Step 1 of 8Security
Do you have a property to use as security?
Every Rave loan is secured against Australian real estate.
What Is SMSF Commercial Property Finance?
A fund borrowing to buy property it will hold as an asset.
SMSF commercial property finance lets a self-managed super fund borrow to purchase commercial or business real property, structured as a limited recourse borrowing arrangement (LRBA): if the loan defaults, the lender's recourse is limited to that specific asset, not the fund's other assets. It's a specialised structure most banks are slow and rigid about; Rave assesses it directly.
How It Works
Four steps, no bank queue.
Tell us the fund and the property
The SMSF structure, and the commercial property it's buying.
We assess the LRBA structure
Trustee, bare trust and compliance basics, without a generic bank checklist.
Indicative terms, fast
Most enquiries get an answer within 24–48 hours.
Settlement, within the LRBA
Funds settle through the correct structure, with recourse limited to the asset.
What It Funds
Property, held correctly inside a fund.
Business real property
A fund buying the premises the related business trades from.
Commercial and industrial assets
Standalone commercial or industrial property held as a fund investment.
Limited recourse structuring
Lending assessed and documented correctly against the LRBA from the outset.
Related-party purchases
Property acquisitions between a fund and a related business, structured on commercial terms.
Why Not the Bank?
SMSF lending is specialised. Most bank desks aren't.
A lot of bank lenders treat SMSF and LRBA lending as an edge case, slow to assess and quick to decline on process rather than merit. Rave assesses the fund, the trustee structure and the property directly.
Bank or Broker
Who you actually talk to
A call centre, or a broker passing on messages
Extra cost baked into your rate
Often, yes
Assessed mainly on
Your credit score and payslips
Time to a real answer
Weeks, sometimes
Who decides
A committee you'll never meet
The Rave Way
Who you actually talk to
The lender. Directly.
Extra cost baked into your rate
Never
Assessed mainly on
The property you're offering
Time to a real answer
4 business hours
Who decides
The people you're talking to
FAQ
Straight answers.
It's lending to a self-managed super fund to purchase commercial or business real property, structured as a limited recourse borrowing arrangement so the lender's recourse is limited to that specific asset.
Fund ready to buy?
Tell us about the property and the structure. A real lender reads it, not a lead-routing algorithm.