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
- •Commercial property only — not available for personal name borrowing or residential property
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.
"Commercial property held in a company structure is one of the most routine scenarios we work through, and the outcomes are generally positive when the asset is strong. Banks can struggle with company financials that do not fit their templates, but our assessment starts with the property and works outward from there. A director guarantee and a well-located asset are usually the foundation of a straightforward transaction."
Gino Tabila
Associate Director
Benefits of Using a Private Mortgage Lender for Pty Ltd Commercial Property
Pty Ltd companies are the most common borrower structure in Australian commercial property, yet banks routinely make it difficult. A private mortgage lender is structured to work with company borrowers — assessing the deal on the asset and the company's exit plan, not on two years of trading history.
- •Company financials not required — assessment is asset-led, not income-led
- •Director guarantees assessed proportionately, not as a standalone credit filter
- •Settlements from 24 to 72 hours — compatible with company purchasing timelines
- •First mortgage registered in the company name — clean, direct security structure
- •Works alongside your existing bank relationship: bridge now, refinance to bank later
Our Loan Solutions
| Loan Type | Best used for |
|---|---|
| First Mortgage | Clean purchase or refinance over the commercial property — highest loan amounts, lowest rates. |
| Second Mortgage | Access equity behind an existing mortgage without refinancing the first. |
| Caveat Loan | Fastest equity access — registered as a caveat, not a mortgage. Settled in hours. |
| Debt Consolidation | Combine multiple business debts into one secured facility. |
| Bridging Finance | Complete settlement now while permanent finance is arranged. |
| Emergency Finance | Urgent capital for ATO debt, winding-up applications, or time-critical situations. |
| Refinance | Replace an existing loan that is maturing, under pressure, or no longer working. |
Frequently Asked Questions
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
Case Studies
$3M Working Capital for IT Business Expansion Settled in 2 Business Days
$1.9M Commercial Property Acquisition for Growing Doggy Daycare Business
$1.15M ATO Debt Cleared in 4 Business Days for Prahran Pub Operator
$250K Working Capital for Brisbane Café in 36 Hours
Case Study: Bridging the Payment Gap – How a Short-Term BLOC Saved a Commercial Builder's Project
$1.1M in 72 Hours: How We Helped A Developer Get Back on Track
$450,000 Caveat Loan Against Commercial Property Saved Sydney Café From Insolvency
$1.3M Second Mortgage Helped Bankstown Industrial Borrower Clear Tax Debt and Refinance
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
Scenarios We Can Help With
Browse our full range of services, industries, locations, and resources to find the right financial solution for your needs.
Our Loan Solutions
Bridging Finance
Short-term funding to bridge the gap between a property purchase and a longer-term finance solution.
First Mortgage
Private first mortgage loans secured against residential, commercial, or industrial property.
Second Mortgage
Unlock equity in your property without refinancing or disturbing your existing first mortgage.
Caveat Loans
Urgent caveat loans secured by property. No need to refinance your existing mortgage.
ATO Tax Debt
Fast funding to help businesses resolve ATO obligations before penalties, garnishees, or director penalty notices escalate.
Debt Consolidation
Roll multiple high-rate facilities into one property-backed loan. Simplify repayments and restore cash flow.
Urgent Business Loans
When timing is critical and banks can't move fast enough, we step in. Property-secured funding for businesses that need an answer today — not next week.
Refinance
Replace an existing loan that is maturing, under pressure, or no longer working. We move fast and lend where banks won't.
