Commercial Lending
Buy your premises, grow your portfolio or free up capital. We match your needs to lenders with an appetite for it, so you get terms that work for your business, not against it.
Our Services
Finance built around your business
You end up with lending that works for your business, not just the deal. Whether you’re buying your own premises, adding an investment property or refinancing what you hold, we look at the property, the lease and the business behind it the way lenders do.
You get options from the major banks, specialist lenders and non-banks, matched to the lender whose policy fits your deal. After settlement, we review your lending every year so your terms keep pace with your business.
How we help
From your first premises to a growing portfolio, you get lending that moves at the speed of your business.
Owner-occupied premises
Turn rent into equity. We help you buy the building your business runs from, with a structure that protects your cash flow.
Commercial investment
Get the most from a strong lease. We present the tenant, lease term and yield the way lenders want to see them.
Refinancing
Free up cash or cut your costs. We check whether your current terms still fit, then handle the move between lenders.
Equipment and vehicles
Keep your working capital working. We finance the assets your business runs on without tying up cash.
Development and construction
Keep the project moving. We line up funding that’s paid out in stages as the work progresses.
Business growth
Say yes to the next opportunity. We find lending options for expansion, acquisitions and cash flow.
Better to know
Lenders treat an office, a warehouse and a childcare centre very differently. Some property types need a bigger deposit, and some lenders won’t touch them at all. We know which lenders suit your type of property, so you’re not wasting time on the wrong ones.
Frequently asked questions
How much deposit do I need for a commercial property?
Usually more than for a home, depending on the property type, the lease and the lender. We show you where you sit across lenders, so you know your real starting point before you make an offer.
Can I use my home as security?
It’s possible, and it doesn’t always have to be permanent. As the business loan reduces or the property grows in value, you may be able to have your home released as security. We plan for that from the start and check back in as things change.
What documents will I need?
Typically financials and tax returns for the business, and the lease if the property is tenanted. You get a checklist from us upfront, so everything goes in together.