Commercial lending is driven by cashflow, security strength and lender appetite. We structure the deal across 60+ lenders, 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.
The ratio of a property's net rental income to its loan interest payments. Most lenders require an ICR of at least 1.25x to 1.50x. For example, if your annual interest is $100,000, the property needs to generate at least $125,000 to $150,000 in net rent.
The average remaining lease term across all tenants in a property, weighted by the rental income each tenant pays. A WALE of 5+ years is considered strong. Longer WALEs reduce vacancy risk and make lenders more comfortable approving higher LVRs.
The net rental income of a property divided by its purchase price, expressed as a percentage. A property earning $80,000 net rent purchased for $1,000,000 has a cap rate of 8%. Lower cap rates indicate lower risk and higher demand locations.
The loan amount as a percentage of the property value. Commercial loans typically max out at 65% to 70% LVR for standard properties. Specialised properties (childcare, medical, hospitality) may be limited to 50% to 60% LVR.
Similar to ICR but includes principal repayments as well as interest. Measures whether the property's income can cover the full loan repayment. Most lenders require a DSCR of at least 1.20x.
Long-term tenant, strong ICR. Funded by a non-bank lender with faster turnaround than the major banks.
First-time commercial buyer. Cross-collateralised with existing residential property to achieve a blended rate.
Government-backed tenant. Exceptional WALE allowed higher LVR from a major bank at competitive rates.
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.