Funding for
Buy commercial property
You've found the premises and you're on a clock — an auction, a vendor's deadline, a contract about to lapse — and a bank can't settle in time or won't fund the asset cleanly. We get the purchase funded against the property itself, structured for business purposes, so you can settle on the date that matters and arrange the long-term facility afterwards.
Indicative only — subject to assessment. Placeholder figures.
When a bank can’t move on a commercial purchase
A commercial purchase usually runs to a fixed date — an auction, a vendor’s deadline, a contract about to lapse — and a bank’s credit process often can’t meet it. The deal can also stall for reasons that have nothing to do with your numbers: the property is vacant or only part-leased, it’s a specialised or single-use asset, or the trading entity is young or recently restructured. Any one of these can push a bank to slow down, cap the loan, or decline a file that’s commercially sound. That’s the gap this funding fills.
How the purchase gets funded
We fund the purchase against the property itself, as a senior facility, structured for business purposes for your company or trust. Funding typically reaches up to around 70% of the property’s value, so you’ll usually bring 25–30% as a deposit — in cash, or as usable equity in another property read behind the deal — subject to assessment. The facility runs short, commonly 1–36 months, with a clear exit agreed before settlement: a refinance to a longer bank facility once the business or asset is stabilised, or a sale. Budget for stamp duty, legal and valuation costs — and GST where it applies — on top of your deposit.
What it’s typically used for
The common job is an owner-occupier buying the premises their business already operates from, where owning beats renting but the bank can’t settle in time. It also covers buying at auction, taking on a part-leased or value-add building a bank won’t write cleanly, and a trust or investment company acquiring a commercial asset on a tight timeframe. In each case the point is the same: settle now, on the date that matters, and put the long-term facility in place afterwards.
What we’ll need
The contract of sale, the property details, your deposit or equity position, and the exit. The lighter your file, the more the deposit and a credible exit do the work — so a clear repayment or refinance path matters more than a thick set of financials. Send those four things and we’ll confirm where the deal sits and come back to you fast.
- Companies or trusts buying commercial premises the bank can't settle in time
- Owner-occupiers buying the building their business already operates from
- Buyers on a fixed date — an auction, a vendor deadline, an expiring contract
- Part-leased, specialised or value-add assets a bank won't write cleanly
- Owner-occupier consumer borrowers (business-purpose only, non-Code)
- Buyers with no deposit or usable equity and no realistic exit
- Anyone whose timeframe and pricing a mainstream bank can already meet
How it compares
FAQ
Can you settle in time for my contract or auction?
Often yes — once we have the contract, the property details, your deposit and a clear exit, a purchase can settle in days to a couple of weeks. We confirm where the deal sits upfront.
How much deposit do I need?
Funding typically reaches up to around 70% of the property's value, so you'll usually bring 25–30% — in cash or as usable equity in another property — subject to assessment. Stamp duty, legal and valuation costs sit on top.
Can you fund part-leased or specialised premises?
Often yes. These are exactly the files a bank slows on or declines. We size against the asset and a documented exit rather than current rent alone.
Is this consumer or business lending?
Business-purpose only, to companies and trusts. We don't write Code-regulated consumer credit.
What's the exit?
Usually a refinance to a longer bank facility once the business or asset is stabilised, or a sale. We want the exit clear before settlement.
Fund your commercial purchase.
The property, the purchase price, your deposit and the settlement date. We'll review and come back to you fast.
You deal with us start to finish.
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