Stop Renting Generic Industrial Sheds. Buy Your Trade Depot in Super.
Every growing Australian trade business reaches the point where working out of a residential garage or paying $4,000 to $7,000 a month on a leased industrial factory unit is holding them back.
You need secure yard storage for excavators, high-clearance roller doors for delivery trucks, 3-phase power for fabrication equipment, and mezzanine office space for project managers. But buying commercial property in your personal name ties up your personal borrowing capacity.
The solution used by hundreds of smart Australian sparkies, builders, and earthmovers is to buy the industrial shed inside an SMSF under Business Real Property rules. You borrow up to 75%–80% LVR through non-bank wholesale desks, and your trade business pays 100% tax-deductible rent directly into your super.
Here is our strategy: We ask you a few quick questions about your situation, then match you directly with an accredited specialist who will fight for your approval, cut through bank red tape, and deliver your loan with zero stress. Get matched directly with an accredited specialist in 60 seconds via the Mortgage Matcher.
How It Works (Takes 2 Minutes)
SMSF Borrowing Power & Liquidity Buffer Simulator
Calculate your fund's maximum LRBA loan amount based on member contributions, property rental yield, and required cash buffers.
| Feature | Renting Industrial Shed | Buying in SMSF (LRBA) |
|---|---|---|
| Monthly Cash Flow | $4,500/mo Lost to Landlord | $4,500/mo Paid into Your Super |
| Tax Treatment | 100% Business Deduction | 100% Business Deduction + 15% Fund Tax |
| Yard Customization | Restricted by Landlord | Full Control of Racking, Hoists & Office |
| Retirement Asset | Zero Value Created | Own a $1.2M+ Commercial Freehold |
1. What Industrial Properties Qualify Under BRP?
To qualify under Section 66(5), the industrial property must be used wholly and exclusively for business operations. Qualifying trade real estate includes:
Factory units with high-bay roller doors, industrial storage strata units, civil earthmoving equipment yards with security fencing, and combined warehouse/office headquarters.
2. Servicing the Loan on Trade Company Cash Flow
Non-bank wholesale lenders (such as Thinktank, La Trobe, and Redzed) assess trade commercial SMSF loans with great flexibility:
- Trade Lease Rental Income: Counted at 100% to service the loan.
- Director Super Contributions: SG and voluntary salary sacrifice from the trade directors.
- Low-Doc Commercial Options: For trade businesses with delayed tax returns, specialist non-banks offer Alt-Doc commercial SMSF loans verified via 12 months of BAS statements.
3. Installing Vehicle Hoists, Mezzanines & Racking
Tradies often need to install pallet racking, vehicle hoists, and mezzanine offices. These installations are classified as trade fixtures or business equipment, funded directly by the trade operating business, not the SMSF mortgage.
This keeps the SMSF property loan 100% compliant with Section 67A while fully equipping your operational depot.
Accredited Mortgage Specialists
Accredited credit representatives independently verified against the ASIC Professional Register. Governed by statutory Best Interests Duty (BID) with direct wholesale lender desk access.
David Chi Tran
Emerge Finance
Frequently Asked Questions: Tradie Blueprint: Buying Your Industrial Shed & Workshop Inside Super
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Questions are reviewed and answered by verified BBA partner specialists and our credit research team.
"Can my trade business operate out of an industrial shed owned by my SMSF?"
"Can my business store personal items like a caravan or boat in the SMSF workshop?"