Commercial Property Loans for Pty Ltd Companies

Banks assess commercial property loans to companies using a combination of the company financials, director credit history, trading history, and asset quality. When any one of those elements falls outside policy, the whole application fails. Private lenders separate the assessment: the security property and the exit strategy drive the decision. A company with strong assets and a credible exit can qualify for private lending in situations where its bank would decline.

Who This Is For

• •Pty Ltd companies purchasing commercial premises for their own business operations
• •Companies acquiring commercial investment property for rental yield or portfolio growth
• •Company borrowers who have been declined by a bank due to trading history, financial complexity, or entity structure
• •Directors whose companies need to settle a commercial purchase quickly before bank finance is available
• •Companies releasing equity from existing commercial property for business or investment purposes
• •Multiple-director companies where bank credit assessment of all directors has created a roadblock
• •Not available to natural persons borrowing in their personal name
• •Not available for residential property or any NCCP-regulated consumer lending

How We Assess Company Borrowers

Our assessment focuses on three elements: the security property, the company structure, and the exit strategy. The security property is assessed by our in-house valuers who determine current market value. The company structure is reviewed to confirm it is a properly constituted Pty Ltd with capacity to enter the loan. The exit strategy is assessed for credibility, typically refinance to a long-term commercial lender or sale of the asset.

We do not require two years of profitable trading history, a minimum company revenue, or all directors to hold strong personal credit. Director guarantees are typically required as part of the loan structure, but the guarantor assessment is proportionate to the deal rather than being the primary credit filter. A company with a strong asset and a defined exit can proceed where a bank application would stall.

Submit your scenario with the company details, the security property, and the proposed LVR and exit. Same-day indicative response. Letter of offer within 24 hours of agreed terms. Settlement from 24 to 72 hours for clean deals.

Three Company Borrower Scenarios We Have Recently Helped

A trading company wanted to purchase a commercial warehouse it had operated from as a tenant for four years. The company had strong revenue but its financials showed a net loss in one of the two years the bank required. The bank declined on the loss year. We assessed on the asset quality and the company's operational position. Loan: $1.9 million, first mortgage, 68% LVR, 12-month term.

A Pty Ltd company with three directors needed to acquire a retail premises in 28 days. One director had a prior default on their personal credit file from a resolved dispute. The bank required all directors to pass personal credit checks. We assessed the asset, the company structure, and the two clean directors as guarantors. Loan: $1.1 million, settled in 6 days.

A holding company Pty Ltd owned a commercial office building with significant equity and needed to release funds for a related business opportunity. The company's bank required the equity release to be assessed against all group entity financials, which would take 10 weeks. We assessed on the commercial property value and the company's exit plan. Loan: $2.4 million equity release, 9-month term.

Speed and Process Advantage

We hold direct credit authority with no external committee. Our in-house valuers assess the security property concurrently with underwriting. For company borrowers in time-critical situations, whether a purchase settlement, an expiring bank facility, or a time-sensitive equity release, we provide an indicative position the same day and can settle within 24 to 72 hours for clean deals.

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