Commercial Loans

• Business premises purchases, whether you're buying where you currently operate or moving

• Commercial property investment for your business or portfolio

• Refinancing existing commercial debt onto better terms

• Structuring finance around tight settlement timeframes

• Working with your accountant where useful, so your finance structure fits your broader business position

• Comparing lenders who actually understand commercial lending, not just residential

• Commercial deals often come with real time pressure, a settlement date that can't move, or a deadline tied to your business's financial year. I've settled commercial finance in as little as four weeks when the timeline demanded it, finding a lender who could move at that pace and structuring the loan so it could be reviewed again properly once the pressure was off.

• Getting the structure right from the start matters just as much as speed a loan that settles on time but doesn't fit your business well can cause problems down the track.

I handle commercial personally. This isn't referred out to someone else, I'm across the detail from your first conversation through to settlement.

I understand tight timeframes. Commercial deals don't always come with the luxury of time, and I know how to move quickly without cutting corners on the structure.

I structure for your business, not a template. Every business is different, and your finance should reflect that, not be forced into a residential-style product that doesn't quite fit.

• How is a commercial loan different from a home loan? Commercial lending is assessed differently, lenders look closely at the business's financials, the property's use, and often require shorter loan terms than residential lending. Structuring it properly from the start matters more than with a standard home loan.

• Can you settle a commercial loan quickly if I'm under time pressure? Often, yes I've worked with lenders who can move fast on commercial deals when needed, while still getting the structure right. Tell me your timeframe early and I'll work out what's realistic.

• Do I need a commercial loan if I'm buying a mixed-use property? It depends on how the property is used and zoned, mixed-use and commercial-residential blends can be structured a few different ways depending on the specifics. Worth talking through your exact situation rather than assuming one answer fits all.

• Can I refinance an existing commercial loan? Yes, if your current commercial loan no longer suits your business, or the terms aren't competitive, refinancing is worth reviewing the same way a residential loan would be.