SMSF audience guide
SMSF for business owners: structure, property and succession
Business owners use SMSFs for three things more than any other group: holding business real property, succession planning across multiple generations of owners, and creating a clean separation between business assets and personal wealth.
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Why Australian business owners use an SMSF
The business real property exemption is the headline feature for owners — your SMSF can acquire and lease back the premises you operate from, paying you a tax-deductible rent and capturing the long-term capital gain inside super where it is taxed at 15% (or 0% in pension phase).
For multi-owner businesses, the 6-member cap (lifted from 4 in 2021) means partners can run a shared SMSF. The deed needs to handle exit mechanics carefully — easySMSF includes a current SMSF Association-reviewed deed in every setup.
- Own your business premises inside the SMSF (business real property exemption)
- Up to 6 members — bring in family or business partners
- Limited recourse borrowing (LRBA) to acquire commercial property
- Pension phase asset segregation for retirement planning
- Corporate trustee for cleaner separation from operating businesses
Frequently asked questions
General advice warning
Figures shown are illustrative only and based on the inputs and assumptions you provide. They are general information, not personal financial product advice. Consider your objectives, financial situation and needs, and seek personal advice from a licensed financial adviser before acting. easySMSF does not hold an Australian Financial Services Licence (AFSL).