Commercial Hub

Commercial borrowing capacity isn’t based on just one factor. Lenders assess a range of income and servicing avenues including PAYG income, self-employed or business income, lease income from the property, and sometimes the strength of the asset or project itself.

The right structure depends on the scenario — whether the property is owner- occupied, leased to a tenant, part of a development, or held as an investment. We work across multiple lenders to structure your application in a way that maximises borrowing capacity while remaining commercially sensible.

Commercial lending can be assessed through a number of different servicing methods depending on the deal. This may include PAYG income, business or self-employed income, rental income from the property, or a combination of these.

Some transactions rely more heavily on the lease strength or asset fundamentals, while others look closely at the applicant’s broader financial position. It’s not just about ticking boxes — it’s about structuring the deal to align with the lender’s appetite and presenting a clear, sensible credit story.

Yes — this is an area where structuring is critical.

We assist with funding for projects ranging from small developments through to multi-site projects, including land acquisition, construction funding, and residual stock lending. Funding is aligned to the feasibility, project timeline, and exit strategy, ensuring the structure supports the overall deal.

Absolutely. We have access to a wide network of private and non-bank lenders, which can be particularly useful for complex or time-sensitive transactions.

These lenders can offer flexible structures and faster turnaround times, especially where traditional banks may not suit the deal parameters.

Requirements vary depending on the deal structure and servicing method, but may include:

• PAYG income documents(payslips, employment confirmation)
• Business or self-employed financials where applicable
• Lease details or rental income evidence
• Asset & liability position
• Details of the transaction or project
• ATO documents (ICA/ITA) to evidence no debt

We guide you through exactly what’s required and manage the process to keep things efficient.

Timeframes depend on the complexity of the deal and the lender selected:

• Straightforward transactions: approximately 1–3 weeks
• More complex or development funding: 3–6+ weeks

Where timing is critical, private lenders can often provide faster pathways. We manage the process closely to keep everything progressing smoothly.

Yes — commercial lending frequently accommodates self-employed applicants.

Depending on the scenario, servicing may rely on business income, lease income, PAYG income, or a combination. The key is structuring the application appropriately, so the lender assesses the deal on its strengths.