Commercial Property Loan

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Expand Your Business Prospects with a Commercial Property Loan from Aquamore

By choosing Aquamore as your preferred partner to acquire a business property loan, we can support you to compete in the fast-paced real estate market by ensuring we secure your capital quickly. Don’t miss out on opportunities that you otherwise might do if you pursue the route of a traditional banking lender. We offer fast approvals and are highly experienced in complex applications. The Aquamore team specialises in taxation law, management and substantial property acquisition, meaning you’ll be in the best hands when you find your commercial real estate lender with us. Whether you need a short term loan for your small business or you’re interested in bridging finance options to progress your upcoming project, an Aquamore executive will be able to discuss your lending options with you. 

Frequently Asked Questions about Aquamore’s Commercial Property Loans

How do commercial loans work?

A commercial loan typically has a shorter repayment term than a personal residential mortgage. Usually, the terms will be set and a period of monthly repayments will be followed by a final balloon payment of the outstanding amount. Commercial property loan interest rates depend on the LTV ratio (also known as LVR). This varies depending on the type of property acquisition and where it’s located. 

Can I qualify for a commercial real estate loan?

Depending on your individual circumstances and business proposition, you will be likely to be approved for a commercial property loan providing you have existing assets that can be secured as collateral. An Aquamore team member will work with you to assess your eligibility for a commercial loan. 

What does a commercial loan look like in practice?

To illustrate previous arrangements we made on behalf of our clients, here are two case studies demonstrating our commercial loans in practice: 

Case Study 1: 

Loan Amount: AUD$910,000
Facility Requirement:  Business working capital
Use & Structure: An established packaging business, based in NSW required a working capital loan. The business has been established for nearly 50 years and specialises in the food, nutritional and industrial packaging sector.
Loan Term: 3 months
Key Ratios: Loan-to-Value Ratio (LVR) of 65% with interest serviced monthly
Recourse: First registered mortgage security over the residential property in Carlingford, NSW. First Ranking General Security Agreement over all the assets and undertakings of the Borrower. Share Mortgage over the Borrower. Directors’ and/or Personal Guarantees of the Borrower.

Case Study 2:

Loan Amount: AUD$3,490,500
Facility Requirement: Acquisition of land for residential housing
Use & Structure: This commercial loan assisted a developer with the financing of 5 building sites in QLD and Schofields, NSW. The company is an Australian owned builder based in NSW specialising in the provision of affordable housing developments.
Loan Term: 12 months
Key Ratios: Maximum Loan to Value Ratio (LVR) below 60% with interest serviced monthly
Recourse: First registered mortgage security over all 5 properties. First Ranking General Security Agreement over all the assets and undertakings of the Borrower. Share Mortgage over the Borrower. Directors’ and/or Personal Guarantees of the Borrower.

What is the typical term of a commercial real estate loan?

With Aquamore, our loan terms vary from three to 24 months. We would recommend speaking to an executive if you require a longer loan term. 

How much can I borrow with a commercial property loan? 

Our commercial loan amounts vary from between AUD$100,000 and AUD$30,000,000 depending on your individual circumstances and business proposition. 

How can I contact the Aquamore team?

To discuss your commercial property finance options, you can contact the team by using our online enquiry form, calling us on 02 9258 8888 or emailing Aquamore at lending@aquamore.com.au. To date, we have secured more than AUD$100million for Australian businesses, helping to propel our economy and support investors. Find out how we can do the same for your business when you get in touch today.

CONTACT US

Phone: +61 2 9258 8888
Fax: +61 2 9258 8899
Email: lending@aquamore.com.au

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