Smart Bespoke Finance for Commercial & Residential Property
1st & 2nd Mortgages | Short-Term (1–12 months) | Long-Term Non-Bank Finance
What We Fund
Finance Options
We offer flexible financing solutions tailored to your commercial property needs.
Short-Term & Bridging Finance
Quick access to capital for time-sensitive commercial opportunities
Fast approvals
Indicative terms within 24–48 hours, settlement in as little as 72 hours.
Flexible terms
Interest-only structures, 3–24 month terms, with no hidden early exit fees.
Asset-backed lending
Property-secured loans with up to 75% LVR.
Long-Term Non-Bank Finance
Alternative financing when traditional banks say no
Alternative assessment
Solutions for credit-impaired borrowers and complex ownership structures.
Flexible documentation
Light-doc and alt-doc options for self-employed borrowers and trusts.
Competitive rates
Transparent fee structures with a clear pathway back to bank rates.
Asset & Equipment Finance
Fast, flexible funding for vehicles, plant, and machinery
Fast approval
Indicative terms within 24–48 hours, with funding released in days.
Up to 100% finance
Fund the full purchase price on new and used equipment — no deposit required.
Transparent pricing
No hidden fees or balloon payments — every term set out plainly.
Who We Are
About AML Commercial
At AML Commercial, we understand that commercial and residential property finance requires both expertise and a personalized approach. With over 20 years of experience in the New Zealand commercial and residential property market, we've built our reputation on delivering fast, flexible funding solutions that meet our clients' unique needs.
Unlike traditional banks, we take a holistic view of each application, focusing on the property's value and your exit strategy rather than rigid credit criteria. This allows us to offer competitive finance options when conventional lenders cannot.
Our team of finance specialists is committed to providing exceptional service, ensuring a seamless experience from application to settlement.
Why Choose Us
Common Sense. Direct Access. Fast Funding.
Common-Sense Security Underwriting
Traditional banks reject viable files on rigid policy alone. We assess the security, the exit, and the story — not just a credit score algorithm.
Direct Credit Decision Channels
Your file goes straight to the people who approve it. No automated approval queues, no call centres, no waiting on a committee that meets once a month.
Fast, Flexible Funding Structures
Facilities are structured around your settlement timeline and exit strategy, not a one-size-fits-all product sheet.
Direct Access to Our Specialists
Speak directly with Kundan Singh and the credit team — a 24–48 hour response SLA on every enquiry, no matter the size of the deal.
Case Highlight
Auckland Central Residential Acquisition
$1,950,000
Settled in 36 hours
"When our bank rejected our application at the last minute, AML stepped in and settled our purchase in 36 hours. We wouldn't have secured the property without them."
— Michael R.
How It Works
The Submission Pathway
Parameter Configuration
Share your security, loan amount, and exit strategy so we can structure the right facility from the outset.
24–48 Hour Term Sheet
Kundan Singh and the credit team turn around an indicative term sheet within 24–48 hours of receiving your file.
Disbursal Execution
Once terms are accepted, our settlement team moves fast — funding in days, not months.
FAQs
Frequently Asked Questions
What interest metrics govern non-bank facilities?
Non-bank facilities are priced on the risk profile of the security and the exit strategy rather than a single published rate. Indicative pricing is provided in your term sheet within 24–48 hours so there are no surprises before you commit.
What specific asset classes are eligible?
We lend against commercial, industrial, and residential property (including land banking and apartment builds), as well as vehicles, plant, and machinery under our asset finance facilities.
Do you finance vehicles and equipment?
Yes. Our Asset & Equipment Finance facilities cover commercial vehicles, earthmoving and civil equipment, agricultural machinery, factory and manufacturing equipment, EVs, and specialist trade tools — up to 100% finance in many cases.
What if I need funding but don't want to use property as security?
Our Asset & Equipment Finance product is built for exactly this — funding secured against the asset itself, so your property and personal guarantees stay untouched.
Is AML Commercial only for property finance?
No. While commercial property lending is a core focus, we equally support businesses with asset and equipment finance, giving you a single point of contact for both property and equipment funding needs.
Ready to Structure Your Facility?
Verify our baseline operational constraints below before deploying your funding request details directly into our queue tracker lanes.
- The parameter transaction sizing tracks between $500,000 and $25,000,000+.
- The request lines are asset-backed by commercial property, land holdings, or business assets located inside New Zealand.
- Indicative term sheets are turned around within 24–48 hours of receiving your file.