Commercial lending is driven by cashflow, security strength and lender appetite. We help you structure the deal, pressure test the numbers and execute cleanly from application through settlement.
Unlike residential lending, commercial approval is driven by the property's ability to service the debt. Lenders run ICR (Interest Coverage Ratio) stress tests across rate scenarios. We model this before you apply.
Deposit requirements range from 10% to 40%+ depending on asset type, lease strength and WALE. Specialised assets (childcare, fuel, motel) attract stricter requirements. We map the right structure from the start.
Commercial credit policy shifts based on metro vs regional, asset class, tenant covenant and deal size. Knowing which lender is open to your scenario saves months. Our panel includes banks, non-banks and private credit.
Entity setup, guarantor exposure, cross-collateralisation and term selection all influence how a lender views your deal. Poor structure can kill a viable deal. We build submissions that read cleanly from page one.
Buying your own premises is a balance between operational flexibility and cash preservation. We structure funding around your business financials, security mix and long term plans, whether that is growth, fitout, expansion or future refinance.
Funding for offices, warehouses, retail, medical and mixed-use assets with a structure that matches your business cashflow and growth plans.
We map the right blend of deposit, additional security (if available) and entity setup so the bank view is as strong as possible from day one.
Where suitable, we explore fitout funding, working capital buffers and staged drawdowns aligned to your business needs and project timeline.
Review of existing debt, repricing, term extension, consolidation or restructure when your numbers have strengthened or the market has shifted.
For investment assets, lenders focus on lease strength and cashflow sustainability. Use the deal analyser below to understand how deposit levels affect lender viability (ICR), net cashflow and indicative returns.
Indicative assessment only. This tool helps you pressure test scenarios before you commit.
Commercial lending is complex. The difference between a deal that settles and one that gets declined is often in the preparation. Talk to us before you commit to anything.