Commercial Loans
Finance aligned to your business and property strategy
Acquire or refinance commercial property, fit‑outs, or business lending. We align loan terms, covenants and security with your strategy.
When commercial lending fits
- Purchasing an office/warehouse/retail asset (owner‑occupied or investment).
- Refinancing to improve rates, terms or covenants.
- Funding fit‑outs, new equipment or working capital.
- Releasing equity for expansion or acquisitions.
Loan types & structures
Commercial mortgage
- Variable/fixed terms, interest‑only or P&I; LVR typically up to 65–75% (asset‑dependent).
- Owner‑occupied may access sharper pricing; investment assessed on lease strength.
- Secured/unsecured term loans, overdrafts and trade finance.
- Cash‑flow lending considered with financials and covenants.
Fit‑out & equipment
- Chattel mortgage, equipment finance or lease options matched to asset life.
- Potential residual/balloon to preserve cash‑flow.
- Lease‑doc: serviced primarily off rent; strong lease & yield required.
- SMSF limited‑recourse borrowing for commercial property (seek specialist advice).
We align loan structure, terms and security to match your cash‑flow profile and growth objectives.
How lenders assess
- Serviceability: DSCR/ICR, historical financials and lease coverage.
- Security: asset type, location, WALE and valuation method.
- Covenants: LVR caps, interest cover, information undertakings.
- Experience & management capability for business‑purpose lending.
Your step‑by‑step path
- Strategy & requirements — purpose, timing, security and covenants.
- Financials & metrics — DSCR/ICR, forecasts and sensitivity.
- Lender & terms — product fit, pricing, covenants and securities.
- Approval & docs — term sheet, valuation, legal and conditions precedent.
- Settlement & monitoring — covenant reporting and periodic review.
FAQs
Get bank‑ready, deal‑ready finance
Book a quick chat. We’ll match lenders and terms to your asset and cash‑flow profile — and negotiate the right covenants.
Prefer email? Contact us and we’ll respond quickly.