First, in order to get a FAA commercial certificate, you must hold a FAA PVT (61.123.)
If you get a FAA PVT under 61.75 you'll get the type limited to VFR as you say. Pass the Instrument Foreign Pilot test and you'll have the IR. Complete the flight review and you're ready to fly. The one question I'd have at this point is, "Who's flying a CE-525 without the transfer of money?" Not only can you not be paid to fly with only a PVT, the people in back can not be paying to ride in the plane.
Now it get's tricky. If instead of just passing the IFP written, you pass the regular IFR written and pass a regular IFR checkride, you'll get US TEST PASSED on your 61.75 cert. Then if you can show the training for the type rating was conducted by the holder of a FAA CFI, the US TEST PASSED will apply to the type rating also. And so then, when you pass the regular FAA comercial written and checkride, your CE-525 type will move to your commercial certificate without a checkride.
If you can not show the JAR training was conducted by a FAA CFI, you'll have to do the regular ground and flight training, pass an oral and a checkride. I don't know what the "previous experience" in mushroom's reply is. Since you're applying for a commercial, 61.121 applys, not 61.157. Some training centers have shorter courses for pilots with time in type.