Whether you are a business owner looking to buy your own premises, or an investor expanding your portfolio, commercial lending requires a strategic approach. We navigate the complexities of commercial credit to secure the right funding for your next major asset.
Unlike standard home loans, commercial property finance policies vary wildly from one lender to the next. Banks look heavily at the type of asset, the strength of the lease, your industry, and your business cash flow.
Going directly to one bank limits your options. At Onvested Finance, we analyze your financials, structure your application to mitigate risk, and negotiate with a wide panel of commercial lenders to secure favorable LVRs (Loan-to-Value Ratios) and interest rates.
While residential loans can often go up to 90% or 95% with LMI, commercial property loans generally cap out between 65% and 80% LVR (Loan-to-Value Ratio). The exact percentage depends heavily on the type of property, the location, and the strength of the tenant or your business.
Commercial lenders focus heavily on the asset’s ability to generate income. They will scrutinize the Interest Cover Ratio, the length and terms of the commercial lease, the quality of the tenant, and—if owner-occupied—the historical cash flow and profitability of your business.
Yes, purchasing commercial property through an SMSF is a common strategy, especially for business owners who want to lease the building back to their own trading entity. We can facilitate the lending side of these complex Limited Recourse Borrowing Arrangements once you have obtained the appropriate financial and legal advice.
Stop paying rent and build equity in your own business. We help business owners secure finance to purchase the warehouses, offices, or retail spaces they operate from.
Looking for strong rental yields? We structure investment loans for industrial units, retail storefronts, and multi-tenanted commercial properties.
If your current commercial loan is coming off a fixed rate or your property has increased in value, we can help you refinance to release equity or secure a more competitive rate.
Let’s look at your numbers and structure a loan that aligns with your business goals.
