Loan Types

Overview

Clue connects you with streamlined commercial finance solutions, designed to support your clients’ commercial lending needs and deepen client relationships.

Commercial Finance

Tap into tailored lending options for commercial property purchase, refinance, or construction. Clue works with a wide range of lenders so that your clients have the best solution, not the easiest.

Property-Backed Business Finance

From cash out for working capital or business expansion to business acquisitions and even equipment purchases, Clue can secure finance that supports your client’s business needs at every stage.

Private Lending

Every client’s circumstance is unique. When the mainstream lenders say no, Clue can step in to source a flexible, tailored loan solution that suits your clients’ unique circumstances from a wide network of private lenders.

Explore the Right Finance Options with Clue

Submit a scenario or book a discovery call with our Lending Specialists.

Commercial Property Loans

Description:

Finance for purchasing, refinancing, or constructing commercial real estate.

Who it suits:

Investors, business owners, developers.

Purpose:

Warehouses, retail spaces, offices, mixed-use properties.

Business Finance (Property Secured)

Description:

Finance for working capital and business growth – secured against residential or commercial property

Who it suits:

Growing businesses, buyers, consolidators.

Purpose:

Acquisitions, debt restructuring, cashflow injection.

Development Finance (coming soon)

Description:

Short-term funding to support property development and construction.

Who it suits:

Builders, developers, landowners.

Purpose:

Residential subdivisions, apartment builds, commercial builds.

Private & Non-Bank Finance

Description:

Flexible funding for clients who fall outside traditional bank criteria.

Who it suits:

Clients with ATO debt, unique structures, or time-sensitive needs.

Purpose:

Bridging, second mortgages, urgent capital raises, purchase and refinance.

Self-Managed Super Fund (SMSF) Loans

Description:

Finance for purchasing investment properties within a self-managed super fund structure, enabling long-term wealth building through property.

Who it suits:

SMSF trustees, investors, business owners with established SMSFs.

Purpose:

Residential or commercial property held within an SMSF, including offices, warehouses, and retail assets.

Lending partners and industry affiliations

Partner Portal

With Clue, your clients’ unique needs are considered at every step. Stay in the driver’s seat of your client relationships, with full visibility over the loan process through our partner portal.

Frequently Asked Questions

What if my client doesn't fit bank criteria?

We work with private and non-bank lenders too—flexibility is our strength.

Do I need to know which loan type is best?

No. Submit the opportunity and our team scopes the right solution.

Is it easy to refer a client to Clue?

Yes—referring takes minutes and shows your client you care by connecting them with a team who can solve their finance challenge.

What if my client doesn't have security?

Clue provides commercial loan solutions fully supported by property security only.

What is the maximum LVR for commercial property?

80% is commonly available for lending under $3m however the standard LVR is 65%-70% subject to lender.

How long does the application process typically take?

The Clue process will take 5 business days, assuming all relevant information is provided to support the application. Lender timeframes will vary and Clue will keep you and your client informed regularly via the Clue Platform.