Commercial finance, on commercial terms.
Commercial lending runs on different rules. LVRs are lower, terms are shorter and covenants matter. Lender appetite depends as much on the asset type as on the borrower, so this is where the depth of a broker's panel pays off most.
Residential rules don't apply here.
Commercial loans work differently from residential loans. LVR caps are lower: typically 65 to 75% against commercial real estate, and lower again for specialised assets. Terms are shorter, commonly 3, 5 or 10 years, with a principal reduction schedule behind them. Interest Cover Ratio (ICR) often matters more than serviceability. Financial covenants, such as debt service coverage and loan-to-value triggers, are usually written into the facility. Lender appetite also varies widely by asset class, and CBD office is a different conversation from an industrial shed in the west.
So the breadth of a broker's panel matters even more than in residential. Hypercube works with major-bank commercial desks, second-tier banks with a stronger commercial appetite, non-bank specialists, and private capital for deals outside mainstream policy. For some commercial deals, the right lender is the only lender.
Choose the type of finance.
Commercial FAQs
How long does a commercial deal take?
What LVR can I borrow to?
Do I need a personal guarantee?
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