REAL ESTATE BACKED FINANCE
Commercial mortgages
Finance the purchase of the retail unit, office or industrial premises your business needs.
SITUATION
When it makes sense.
You are buying the property your business operates from and would rather not pay rent.
Your bank is taking too long or will not finance the proportion you need.
You want to complete the purchase before the seller chooses another buyer.
DETAILS
What you should understand.
For operating businesses contributing part of the purchase price and coordinating funding with an acquisition. We compare bank and private finance based on timing, cost and collateral.
THE PROPERTY
The collateral
We assess the purchase as a whole: property price, valuation, equity contribution and costs required to complete it. We review the asset, existing charges and the timetable agreed with the seller.
Business activity and repayment capacity form part of the assessment. If available funding does not meet the full need, the remaining contribution should be identified before committing to the purchase.
THE EXIT
Repayment
The repayment plan is checked against business cash flow and other obligations. If temporary finance pending a bank loan is proposed, that initial stage is clearly distinguished from the long-term facility.
Information that helps.
You can start without uploading documents. If this information is available, it may help us understand your project sooner.
- Property information and purchase price.
- Purchase agreement and seller’s timetable, if available.
- Available equity contribution and expected costs.
- Business summary and repayment capacity.
Common questions.
Can the full purchase price be financed?
We do not promise a loan-to-value percentage. The required equity depends on the asset, its valuation, business performance and the funder’s criteria.
Do I need a signed purchase deposit agreement to enquire?
No. You can enquire beforehand with the expected price and timing. It is useful to understand the terms of any commitment you have already made.
Can I compare bank and private funding?
Yes. We assess timing, cost, equity and collateral requirements. The right option depends on the transaction; private finance is not necessarily the most suitable choice.
OTHER OPTIONS
Other options to consider.
Industrial property finance
Finance an industrial property purchase or use its value to invest in machinery, stock and business growth.
Explore solutionReal estate backed finance
Access business liquidity using property as collateral, without making a sale the first step.
Explore solution
Bridge finance
Bridge a timing gap until a sale, documented payment or long-term funding, with a defined exit from the outset.
Explore solutionBY CITY
This finance option, in your city.
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