$1.9M Commercial Property Acquisition for Growing Doggy Daycare Business
- •Loan Amount: $1,900,000
- •Enquiry to Settlement: 5 business days
- •Location: Brighton, Endeavour Hills & Braeside, VIC
- •Use of Funds: Purchase of owner-occupied commercial property for expanding business operations
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The Scenario
The owners of a rapidly growing doggy daycare business identified an opportunity to purchase a commercial property that suited their long-term operational needs.
At the time, the business was operating from leased premises on a month-to-month arrangement. That tenure uncertainty was creating real pressure on the business. Planning, staffing, and investment decisions were all constrained by the risk that the lease could end or the terms could change at short notice. Securing their own premises would remove that uncertainty and give the business a stable platform to continue growing.
The property was the right fit. The timing was the challenge.
Due to the speed required to secure the purchase within the contractual timeframe, the borrowers did not have sufficient time to obtain funding through a traditional lender. Standard bank approval and documentation processes would not have allowed them to proceed.
Secured Lending moved quickly to assess the opportunity and structured a blended facility: a first mortgage over the property being purchased, combined with second mortgages over two additional properties held by the borrowers in Brighton and Braeside. This approach unlocked the equity required across the security portfolio without requiring the borrowers to sell or refinance existing assets.
The Outcome
- •Indicative terms issued within 2 hours of enquiry
- •Blended security structure implemented across three properties
- •Loan approved and documented under an expedited process
- •Settlement completed within tight contractual timeframes
- •Borrowers successfully secured the new commercial premises
- •Business positioned for continued growth and operational stability
Why a Blended Facility Was the Right Structure
A single property rarely tells the full story of a borrower's equity position. By assessing the combined security across three assets, Secured Lending was able to structure a facility that worked for the purchase without requiring a clean first mortgage position over any one property alone.
This kind of structural flexibility is where private lending adds genuine value. The borrowers had the equity. They had the business fundamentals. They needed a lender that could read the full picture quickly and move to settlement without the delays that would have cost them the property.
The business now operates from premises it owns, with the certainty and stability that comes with that. If you have a commercial property opportunity that requires fast, flexible funding, contact our team to discuss the structure.
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
