Commercial property
Purchase or refinance offices, industrial property, retail premises, warehouses and other commercial real estate.
Commercial Property Finance →Business & Commercial
Commercial Finance
Commercial finance can cover a wide range of transactions — from purchasing or refinancing commercial property to funding a business, development project, vehicle, equipment or other commercial purpose.
Short answer
The right commercial finance structure depends on what is being funded, the security available, the borrower, the repayment strategy and the lender’s appetite for the transaction. Comparing only the headline rate can miss important differences in fees, loan term, security requirements and flexibility.
At a glance
Business funding
Working capital, expansion, acquisitions and other finance needs connected to an operating business.
Business Finance →Property development
Finance for development projects where lender assessment may focus on costs, value on completion, presales, experience and the exit strategy.
Property Development Finance →Assets and vehicles
Finance for equipment, machinery, commercial vehicles and other income-producing assets.
Asset Finance →Commercial lending is not one product
The term commercial finance covers many different lending structures. A commercial property loan can be assessed very differently from a working-capital facility, an equipment loan or a property-development facility. The lender will generally want to understand the purpose of the finance, how the debt will be repaid, what security is available and whether the transaction fits its current credit policy.
What lenders may consider
Depending on the transaction, a lender may look at the borrower’s financial position, business trading history, lease income, property value, debt-service capacity, existing commitments, proposed loan term, security position and exit strategy. For development transactions, additional measures such as project costs, gross realisation value and presales may also be relevant.
Why total cost matters
Commercial lending can involve establishment fees, valuation costs, legal fees, line fees, risk fees or other lender charges in addition to interest. A lower rate does not automatically mean a lower overall cost. The structure of the facility and the expected length of time the loan will be required can materially affect the comparison.
How I can help
My role is to understand the transaction, identify lender options that may suit the circumstances, explain key differences in structure and cost, and help progress the application through the lender’s assessment process.
Discuss the transaction
Commercial finance often starts with the structure, not the product name.
This website provides general information only and does not take into account your personal circumstances. Credit assistance is subject to individual assessment, lender criteria and applicable credit laws. Taxation, legal, financial-planning and other specialist matters should be discussed with an appropriately qualified professional.