Property Finance
Long-Term Non-Bank Finance.
Alternative financing solutions when traditional banks say no, designed specifically for commercial property owners across New Zealand.
Why Choose Our Long-Term Finance
Alternative Assessment
Tailored long-term solutions for credit-impaired borrowers, un-bankable property scenarios, and complex borrowing entity structures.
Flexible Documentation
Streamlined alternative light-doc and alt-doc verification options engineered specifically for established business owners.
Competitive Rates
Bespoke non-bank financial products structured with transparent fee arrangements and highly optimized long-term pricing paths.
Why Choose Non-Bank Financing?
A Viable Alternative When Banks Say No
Long-term non-bank financing provides a viable alternative when traditional lenders are unable to meet your commercial property needs. Our solutions are designed for borrowers who require more flexibility and personalized lending approaches.
We focus on the value and potential of your property assets rather than rigid lending criteria, making our solutions more accessible and personalized for commercial property owners.
Our long-term finance solutions are perfect for:
Self-Employed Borrowers
When traditional historical income documentation frameworks are challenging to prove.
Complex Ownership Structures
Bespoke parameters for Look-Through Companies (LTCs), family trusts, corporate structures, and specialized fund entities.
Property Development
For sustainable, longer-term construction pipelines and strategic asset development asset holds.
Credit-Impaired Borrowers
Common-sense capital deployment when past credit marks are outshone by solid real estate security value.
Specialized Commercial Properties
Funding non-standard assets and niche commercial sectors that traditional major banks typically avoid.
How It Works
The 1–5 Year Strategic Non-Bank to Bank Roadmap
Non-bank capital shouldn't be an infinite burden. Kundan Singh structures your term to solve immediate problems while deliberately preparing your file for a smooth transition back to Tier-1 bank terms.
Immediate Capital Inflow & Asset Protection
We bypass rigid trading bank box-ticking to secure your property transaction using common-sense private asset underwriting, stabilizing your commercial entity within days.
Operational Management & Optimization
Hold the facility across a flexible 20-to-30 year term framework. Capitalize your interest or deploy interest-only features while clean financial performance history accumulates in your entity books.
Tier-1 Trading Bank Migration Exit
Once your streamlined financial books match standard servicing matrix criteria, we safely execute a strategic refinance transition out of non-bank pricing and back into main bank rates seamlessly.
Lending Parameters
Loan Terms & Features
Loan Amount
$300,000 - $5,000,000+
Term Length
20 - 30 years
Interest Type
Interest-only or P&I options
Security Required
1st or 2nd mortgage
Maximum LVR
Up to 70% (Commercial) / 80% (Residential)
Documentation
Full-doc and alt-doc options
Early Repayment
Flexible options available
Credit History
Solutions for impaired credit
Asset Classes
Property Types We Finance
Commercial Office
Corporate office buildings, major medical centers, and professional suites.
Retail Properties
Local shopping centers, busy strip malls, and individual retail stores.
Industrial Properties
Logistics warehouses, manufacturing facilities, and distribution centers.
Specialty Use Properties
High-yield hotels, motels, and specialized commercial buildings.
Our Advantage
- More flexible lending criteria parameters.
- Common-sense manual assessment approach.
- Real solutions tailored for credit-impaired borrowers.
- Asset-focused lending decisions over rigid data metrics.
"When our bank rejected our loan application due to our complex business structure, AML Commercial stepped in with a tailored solution that understood our needs. Two years later, we've expanded to three locations."
— Michael R., Property Developer
FAQs
Long-Term Finance FAQs
How is your long-term funding sourced?
Funding is provided directly through our secure pool of corporate institutional balance sheets, private investment registries, and specialized New Zealand non-bank commercial property mortgage trusts managed directly via our credit desk channels.
How do non-bank rates compare to bank rates?
Non-bank interest rates typically hold a soft premium margin above main commercial trading banks. This slight premium directly balances out the immense execution speed, light documentation requirements, and highly flexible credit criteria parameters extended to your entity scenario profile.
Can I refinance back to a bank later?
Absolutely. Refinancing back to standard main bank parameters is the core design engine behind our 1-to-5 year financial facilities. We structure and manage your non-bank lending path with a clear, deliberate exit track blueprint leading straight toward long-term trading bank guidelines.
Ready to Structure Your Long-Term Facility?
Confirm your scenario fits below, then get your file moving straight into Kundan Singh's queue.
- Facility sizing runs from $300,000 to $5,000,000+.
- Secured by 1st or 2nd mortgage over commercial property located inside New Zealand.
- Terms run 20 to 30 years, with a clear roadmap back to Tier-1 bank pricing.