Commercial Loans
Commercial loans can assist with business property purchases, refinancing, debt consolidation, equipment, and working capital needs. Because commercial lending is often more complex than standard residential lending, the structure needs to be considered carefully from the outset.
At Capital Avenue Mortgage and Finance, we work through your commercial loan scenario, review the purpose of the finance, and help identify lenders that may be able to consider the application based on their policy.
Whether you are purchasing a commercial property, refinancing an existing facility, consolidating business debt, or seeking funding to support business growth, the focus is on understanding the structure, income position, security, and lender requirements before moving forward.
How we help with commercial loans
Every commercial scenario is different. We take the time to understand the business, the borrowing purpose, and the supporting information lenders are likely to require.
This may include:
- Reviewing the purpose of the finance
- Understanding the business or entity structure
- Reviewing available security and loan-to-value position
- Considering business income, cashflow, and servicing
- Identifying lender policy requirements
- Preparing the scenario for lender or BDM review
The aim is to present the scenario clearly, so lenders can provide meaningful feedback on whether the application may fit their policy.
Common commercial loan scenarios
We can assist with a range of commercial loan scenarios, including:
- Purchasing commercial property
- Refinancing existing commercial loans
- Commercial debt consolidation
- Business cashflow or working capital finance
- Equipment or asset finance enquiries
- Commercial investment property lending
- Owner-occupied business premises lending
Each scenario can be assessed differently depending on the lender, the loan purpose, the security offered, and the financial information available.
What lenders typically consider
Commercial loan requirements can vary significantly between lenders. Depending on the transaction, lenders may consider:
- Business financials and tax returns
- BAS statements, management accounts, or accountant-prepared figures
- Business income, profitability, and cashflow
- Existing business and personal liabilities
- Property or asset security
- Company, trust, or individual ownership structures
- Lease income or rental arrangements
- The overall purpose and benefit of the finance
In many cases, lenders will also want to understand the people behind the business, including directors, guarantors, beneficiaries, or related entities.
Important to understand
There are a few key points worth considering early:
- Commercial loan policies vary widely between lenders
- Documentation requirements can be more detailed than residential lending
- Loan terms, repayment types, and interest rates can differ depending on the scenario
- Complex structures may require additional supporting information
- Timeframes can be longer than standard home loan applications
Taking the time to clarify the scenario and supporting documents early can help avoid delays and improve the quality of lender feedback.
Related lending options
Depending on your situation, you may also want to explore:
Discuss your commercial loan scenario
If you have a commercial lending scenario you would like reviewed, we can walk through the details and identify what information may be required before approaching suitable lenders.
From there, we can help determine whether the scenario is likely to fit lender policy and what the next steps may look like.