Commercial lending depends on the property, business, lease, borrower and purpose. We help organise the information and approach suitable lenders.
Unlike standard residential lending, commercial loans can vary widely in term, pricing, valuation, fees, covenants and repayment structure. The quality of the property, tenant, business performance and exit strategy may all affect the assessment.
Equipment, vehicles and machinery may be better suited to asset finance than being included in a broader property facility. A commercial property purchased through super requires specialist SMSF property loan structuring, while self employed home loans apply where the purpose is residential rather than commercial.
We discuss your purchase, refinance or business purpose, the amount you require and your preferred timing.
We assess your business, entity structure, financial position, available security and any relevant lease.
We help organise your financial statements, tax returns, leases, contracts and other documents the lender may need.
We compare suitable lenders, rates, fees, valuations, conditions and repayment structures.
We coordinate your application and lender requirements alongside your accountant, solicitor and other advisers.
Real stories from people we helped make clearer, more confident loan decisions.
It varies materially by property type, location, lease, borrower strength and lender. Allow for valuation, legal, due-diligence and government costs as well as the equity contribution.
Pricing may reflect the lender's base rate plus a risk margin, together with establishment, valuation, legal and ongoing fees. Request a complete cost summary.
Common requirements include business and personal financial statements, tax returns, bank statements, lease details, contracts, asset and liability information and a property valuation.
An SMSF may be able to acquire eligible business real property under strict superannuation and borrowing rules. Obtain specialist legal, tax and financial advice before signing or paying a deposit.
They often can be, with review dates, residual balances or different amortisation periods. Understand what happens at expiry and whether refinancing risk exists.
"*" indicates required fields
