Commercial Loans
solutions.
Business premises, equipment, fit-outs, or expansion capital with flexible structures.
Built into every engagement.
What's included, what's negotiated for you, and the advantages that come from a panel of 50+ lenders rather than the limited shelf of a single bank.
What's included
Why work with us
Deep dive into commercial loans strategy.
Structuring Business Debt: Covenants, Cashflow Matching, and Capital Security
Commercial finance operates under an entirely different paradigm than residential lending. Lenders evaluate commercial loan applications with an intense focus on business performance, serviceability debt covenants, lease security profiles, and industry risk parameters. Structuring commercial debt correctly is critical to maintaining working capital reserves.
PART 01Commercial Property Mortgages: LVR Limits & Lease Security
Purchasing a commercial office, retail warehouse, or industrial space requires a solid capital structure. Loan-to-Value Ratios (LVR) for commercial property are generally capped between 65% and 75%—meaning you need a larger cash deposit compared to residential purchases. However, some specialised lenders offer up to 80% or even 100% LVR when backed by residential security. If purchasing as an investor, lenders will place heavy weight on the Weighted Average Lease Expiry (WALE) and the tenant’s profile. A strong corporate tenant on a long-term lease can secure significantly lower interest rates and highly flexible repayment options. We analyse lease structures early to position your loan for premium pricing.
PART 02Equipment and Asset Finance: Tax Depreciation & Asset Lifecycle Management
Conserving operating cash flow is paramount for business growth. Instead of paying cash for capital equipment, vehicles, or specialised machinery, businesses can utilise asset finance structures like Chattel Mortgages, Commercial Hire Purchases, or Finance Leases. Under a Chattel Mortgage, your business takes immediate ownership of the asset, allowing you to claim input tax credits for GST and secure significant tax benefits through depreciation. We coordinate directly with your corporate accountant to align the term of the asset finance with the useful life of the machinery, ensuring your balance sheet remains highly efficient.
PART 03SME Working Capital and Unsecured Lines of Credit
Managing cash flow gaps between client invoicing and supplier payments is a persistent challenge for growing businesses. We structure flexible working capital facilities—including invoice finance, trade finance, and revolving overdrafts—to ensure your operations are never constrained by cash flow cycles. By comparing traditional secured commercial facilities with modern unsecured fintech products, we deliver structures that optimise interest rates while protecting your core real estate assets from unnecessary lender security charges, preserving your personal borrowing power.
"Commercial lending is bespoke debt design. The right loan covenant preserves your capital, while an overly restrictive one can suffocate operational growth."
Principal Corporate Advisor
Principal Advisory Team
- Lender policies change regularly; assessment parameters vary widely across institutions.
- Always ensure your borrowing structure aligns with long-term taxation advice.
- Pre-approvals are typically valid for 90 days, subject to property valuation.
From first call to settlement.
A consistent four-step rhythm. Honoured every time, regardless of complexity or loan size.
Discovery
A confidential call to understand your goals, position, and timeline.
Strategy
We canvas 50+ lenders to engineer the optimal structure for your situation.
Application
We handle paperwork, lender negotiations, and updates at every step.
Settlement
We guide you through to settlement and remain available for ongoing reviews.
Ready to start your commercial loans?
A confidential consultation, at no cost. We'll listen to your goals and outline the right path forward.