Business Finance
Complex property finance needs a clear structure.
For business owners, investors and developers, the right lender is only part of the decision. The security, contribution, loan term, project risk and exit strategy must work together.
Secure Lending Solutions helps clients prepare and structure commercial property and development transactions before approaching suitable lenders. This creates a clearer case, exposes potential funding gaps earlier and reduces avoidable delays.
Make the transaction lender-ready
A well-prepared proposal explains the asset, the borrower, the funding requirement and the repayment or exit pathway as one connected story.
Commercial and development finance
Commercial Property Finance
Finance to purchase, refinance or release equity from eligible offices, warehouses, retail premises, medical facilities and other commercial property.
Commercial Investment Loans
Finance for income-producing commercial property, considered alongside the property type, lease, tenant profile and investment strategy.
Owner-Occupied Property Loans
Finance for a business purchasing the premises from which it operates, structured around both the property and the operating business.
SMSF Commercial Property Loans
Specialist lending for eligible self-managed super funds purchasing commercial property under an appropriate legal and financial structure.
Property Development Finance
Finance built around the project from entry to exit
Development finance may support eligible site acquisition, construction, subdivisions, townhouses, apartments, commercial premises and mixed-use projects.
We assess the total funding requirement, planning position, feasibility, borrower contribution, delivery team and proposed exit before engaging suitable lenders.
What shapes a development finance decision
Expected revenue, land value, construction costs, professional fees, interest, contingency and projected margin.
The status of permits, planning approvals, building approvals and any conditions that may affect delivery.
The cash, land equity or other acceptable contribution being committed to the project.
The experience of the developer, builder and professional team responsible for completing the project.
Any sales or leasing commitments required to support the funding pathway.
How the facility is expected to be repaid through sales, retained investment lending or another supported pathway.
From opportunity to settlement
01
Review the transaction
We discuss the property, project, ownership structure, funding requirement and intended outcome.
02
Assess feasibility and contribution
We review the numbers, proposed security and the repayment or exit position.
03
Engage suitable lenders
We identify appropriate lender pathways and prepare the transaction for assessment.
04
Coordinate due diligence
We manage supporting documents, valuations, lender questions and approval conditions.
05
Support settlement
We maintain communication with the relevant parties as the transaction progresses.
Commercial & Property development finance
Bring the full transaction into view.
Commercial property finance may be assessed on the property type, valuation, lease terms, tenant profile, business income, borrower position, contribution and proposed ownership structure. Development finance adds further layers, including feasibility, approvals, construction arrangements and exit.
The lowest rate is not always the strongest outcome.
Loan-to-value limits, conditions, valuation approach, drawdown controls, fees, flexibility and timing can materially affect whether a facility works for the transaction.
Common Questions
Frequently asked questions
The available amount depends on the property type, valuation, income, lease profile, loan purpose and lender policy. Acceptable loan-to-value ratios can vary considerably.
The required contribution varies with the project, planning status, borrower experience, presales, lender and overall risk. Depending on the lender, equity may include cash or land equity.
Potentially. Some transactions can include both stages within one funding pathway, while others may require separate facilities or milestones.
No. Requirements vary according to the lender, location, project type, amount, borrower experience and exit strategy. Different leverage, pricing or conditions may apply where presales are reduced or not required.
Potentially, where it is suitable for the transaction. The cost, term, security requirements and exit strategy should be carefully assessed before proceeding.
Discuss the transaction before approaching a lender.
An early assessment can reveal funding gaps, documentation requirements and lender concerns before they
delay the opportunity.