Low Doc Commercial Loans

Absolutely, and we can structure loans through companies, trusts, or personal names depending on your specific tax situation and business structure. Your accountant will appreciate the flexibility to optimise the ownership structure for your circumstances.

Different structures offer different tax benefits and asset protection advantages.

Generally 20-30% deposit depending on property type, location, tenant quality, and your overall financial position. Strong tenant covenants and well-located properties sometimes require lower deposits. Commercial lending is more about the property’s income-producing ability and your business experience than rigid deposit rules.

We work with both scenarios and everything in between, understanding each has different risk profiles and purposes. Whether you’re buying your own workshop to stop paying rent or building a commercial investment portfolio, we structure the finance appropriately. Owner-occupied properties often get better terms because they’re lower risk for lenders.

Terms are typically 15-25 years rather than 30, but interest payments are usually fully tax-deductible for business purposes. The shorter terms help build equity faster while providing significant tax benefits. Interest rates may be slightly higher but the tax deductibility often makes the real cost lower than residential lending.

Yes, commercial refinancing is an excellent way to access equity for business expansion, property improvements, or additional investments. Many clients use commercial property equity to fund business growth or acquire additional properties.

The key is demonstrating how the additional borrowing will generate returns that justify the increased debt.

We finance workshops, offices, retail spaces, warehouses, industrial properties, and mixed-use developments - essentially any commercial real estate that makes business sense.

We understand different property types have different risk profiles, tenant requirements, and income characteristics. Our approach varies depending on the specific property type and intended use.

Good applications with proper documentation often get approved within days rather than weeks or months. Commercial lending moves much faster when you’re not spending time explaining your business model to people who don’t understand it.

Fast approvals are crucial for commercial opportunities because vendors often prefer quick, certain settlements.

This depends on the loan structure, property quality, and your business financial position. We work to minimise personal guarantees where possible while still securing competitive terms and loan amounts. Strong businesses with good properties often avoid personal guarantees entirely, while newer businesses may need them initially.