Commercial property loans
Secure the right finance for offices, warehouses, retail spaces, and more in Sydney
Loans built for how you do business
Whether you're buying your first commercial property or expanding an existing portfolio, we match you with the right loan structure. Our brokers know the Sydney market and understand what lenders want to see.
Four steps to securing your commercial loan
We take a collaborative approach to understand your business objectives and design a financing strategy that positions you for long-term growth. Here is how we make it happen.
1. Understand your commercial needs
You tell us about your property, business, and objectives. We listen carefully to every detail to fully understand your vision, challenges, and goals, ensuring we tailor the right strategy before moving forward.
2. Market analysis & lender matching
Not all commercial loans are created equal. We specialize in identifying and structuring the ideal loan from our network of lenders, matching their risk appetite to your specific business and property type.
3. Strategic application & submission
We prepare and lodge a comprehensive application that highlights the strengths of your business and property. We act as your advocate, ensuring the lender has everything they need for a fast, accurate assessment.
4. Due diligence, valuation & settlement
We coordinate with the lender’s valuers and legal teams throughout the assessment phase. We keep you informed at every stage, managing the requirements to get you across the finish line on time.
Questions
What you need to know about commercial property lending
Commercial loans are based primarily on the property's income-generating potential (rent) and your business's financial health, rather than just your personal income. Lenders have different risk appetites for commercial assets, which makes working with a specialist broker vital to securing the right terms.
Lenders generally require business financial statements, tax returns, details of the commercial property, and an analysis of your current debt serviceability. We will guide you through compiling this information to ensure your application is comprehensive and strong from the start.
Yes. Refinancing commercial debt can be a powerful strategy to consolidate multiple high-interest business liabilities into a single, more manageable loan. This can significantly improve your monthly cash flow and overall financial efficiency.
Commercial loan approvals typically range from two to four weeks. Timelines vary depending on the complexity of the property valuation and how quickly we can provide the required business financial documentation. We actively manage the lender relationship to ensure your application moves as efficiently as possible.
Commercial lending is highly nuanced. Even if you don't fit the strict "major bank" criteria, we work with a broad spectrum of lenders; including private and specialist lenders. who evaluate the overall feasibility and equity of your commercial project, not just your credit score.
Typically, commercial lenders cap LVRs between 60% and 80%, depending on the property type, location, and tenant quality. We evaluate your specific asset to determine the best financing structure and required deposit to get your deal approved.
Ready to move forward?
Reach out to our team and let's discuss your commercial property goals.