Commercial property purchase
Office, retail, industrial and mixed use, owner-occupied or investment, including purchases through a trust or SMSF.
Home / Commercial finance
Finance built around
how the business runs.
Commercial property, acquisitions, working capital and facilities that need a structure rather than a product. We put the case to the lenders most likely to fund it.
Book a strategy callWhat we do
Commercial lending is a credit argument, not an application.
Residential lending runs on a calculator. Commercial runs on a credit submission, and how that submission is written decides the answer as much as the numbers in it. Lease profile, tenant quality, WALE, serviceability from the business rather than the borrower, security mix and the exit all have to be dealt with before the assessor asks.
That is the work. We prepare the case, take it to the lenders whose appetite actually fits, and manage the conditions through to settlement.
Who we work with
- Business owners buying their own premises
- Investors acquiring commercial or industrial property
- Buyers funding a business or a share of one
- Companies refinancing facilities that no longer fit
- Borrowers needing working capital or cash flow funding
- Trusts, SMSFs and multi-entity ownership structures
- Applications knocked back for the wrong reasons
Where we help
What we arrange.
Business acquisition
Funding the purchase of a business or a stake in one, against goodwill, assets, property security or a combination.
Working capital
Overdrafts, lines of credit, invoice and trade finance for businesses whose cash cycle does not match their invoicing.
Refinancing facilities
Existing commercial debt repriced or restructured, often releasing equity that has built up unnoticed.
Construction and fitout
Funding for building works, expansion or fitout on a commercial asset you already hold.
Specialist security
Assets the majors treat as too hard: specialised use, regional locations, shorter leases.
Recent
A commercial file other brokers had passed on.
A client came to us after several brokers could not place a commercial loan. Preapproval came through within two weeks, and the deal settled within four.
Described by the client in a Google review. Individual outcomes depend on the lender, the security and the applicant's circumstances.
How we work
- We look at the whole position, not just the asset being funded
- We pick lenders by appetite, not by rate sheet
- We write the credit submission ourselves
- We deal with the bank so you can keep running the business
- We review the facility twice a year as circumstances move
Also useful
Other things we finance.
Got a commercial deal to fund?
Tell us what you're trying to do and we'll tell you what's realistic, and what it would take.
Book a strategy callNo obligation. Just a conversation about your options.