Are you looking to grow your commercial investment portfolio? Commercial financing is more complex than residential, with different lenders specialising in different areas. Our experienced commercial finance brokers will navigate this landscape to find the right loan for you.
Personalised, expert guidance
Hassle-free experience
Access competitive rates and loan structures from over 40 lenders, tailored to your needs and negotiated by our trusted experts
“I want to express my sincerest gratitude to Cinch Loans for exceptional service and support throughout. From the initial consultation to the final approval, they were always available to answer my questions and guide me through each step of the way. Their professionalism, knowledge, and attention to detail were invaluable ... I was impressed by their ability to negotiate with lenders to obtain the best possible terms and rates for me, and their commitment to ensuring that the loan process was as smooth and stress-free as possible. ... I am grateful for the opportunity to work with such outstanding professionals."
Praba Tamil, commercial financing
A commercial loan is specifically designed financing that enables businesses or investors to purchase or refinance commercial properties. It can cover needs including office buildings, warehouses, retail spaces, and business expansions.
Commercial loans are generally used for properties that generate income for business purposes. They usually have higher interest rates and stricter lending criteria than residential loans.
Commercial loans are structured for specific purposes. For example,
The amount you can borrow depends on factors including the type of property, your creditworthiness, and projected income. Typically, commercial lenders grant up to 70-80% of the property value.
Book an appointment to find out your borrowing power and explore commercial financing options.
Yes, many borrowers use equity in their residential or other commercial properties as security to obtain a commercial loan.
Typically, you'll need financial statements, proof of income, property details, and credit history. Lenders may also require business plans or cash flow projections.
When investing in property, the right ownership structure is crucial for managing risk, tax obligations, and asset protection. Your ownership structure determines how you manage profits, handle liabilities, and incur tax liabilities over time.
Here's a brief breakdown of common ownership structures:
Choosing the right structure depends on your personal financial situation and investment goals. Speak with a financial advisor for professional, tailored advice.
Our process is quick and easy, while always ensuring you tap into our expertise and lender relationships to access better rates and make sure you get the right solution for your specific needs.
Start by talking to a Cinch Loans expert, who will listen to your needs and start exploring options with you.
You fill out our online form and get your docs ready.
We figure out your likely borrowing capacity, shop around lenders and discuss your options in more depth with you.
Once you're ready, we apply, and make the application to settlement process a breeze, including helping set up your new loan.
For commercial loans, you'll likely incur loan establishment, valuation, and legal fees. In some cases lenders also charge for early repayments.
Our services are paid by whichever lender you choose, so that's one less to worry about 😍.
To understand the total costs for your loan, talk to our experts.
That's simple! Just book an appointment and talk to our experts.
