Commercial Property Finance.
A commercial property loan for bridging, land banking, construction, or portfolio refinance — commonsense underwriting with indicative terms within 24–48 hours and funding in days.
Lending Parameters
Lending Criteria & Parameters
Every commercial property loan we arrange is priced and structured against your specific deal, not a rate card — here's the transparent, institutional-grade lending parameters we work within.
| Lending Feature | Short-Term Loans | Long-Term Non-Bank Finance |
|---|---|---|
| Loan Size Range | $50,000 – $10,000,000+ | $300,000 – $5,000,000+ |
| Max LVR (Loan-to-Value) | Up to 70% (Commercial) / 75% (Residential) | Up to 70% (Commercial) / 80% (Residential) |
| Loan Term Length | 3 to 24 months (Highly flexible extensions) | Up to 20 – 30 Years (Roll-over options available) |
| Interest Structures | Capitalized, Retained, or Monthly Serviced | Monthly Serviced or Partially Capitalized |
| Amortization Profile | Interest-Only (Bullet repayment upon exit) | Interest-Only or Structured Principal & Interest |
| Learn More about Short Term Loans | Learn More about Long Term Finance |
Security We Accept
Property Security Types
Commercial & Retail
Industrial & Warehouse
Residential Investment
Bare Land & Sections
Multi-Unit Developments
Mixed-Use Property
How It Works
The Submission Pathway
Parameter Configuration
Share the 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.
Track Record
Recent Deals Settled
Proven execution capabilities. Take a look at recent property transactions structured across New Zealand.
Commercial Site Settlement Bridge
Scenario: Client required urgent bridging funding to settle a high-value commercial construction footprint inside a strict contract timeline window.
Solution Summary
Structured an asset-backed short-term facility inside 5 business days, successfully protecting contractual deposits.
Industrial Warehouse Portfolio Refinance
Scenario: Expiring bank facilities left the client exposed due to rigid corporate restructuring assessment policies failing standard servicing test rules.
Solution Summary
Secured a non-bank long-term facility configured entirely around robust underlying equity structures and clear exit options.
Get Ready
Application Document Checklist
These are the commercial property loan requirements every lender on our panel asks for — gather them upfront to fast-track your formal indicative term sheet within 24–48 hours.
Entity & Borrower Details
- Company Incorporation Certificate / Trust Deed copies
- Valid ID for all principal Directors & Guarantors
- Brief overview of the borrower's Assets & Liabilities
- Income verification case to case basis
Property & Transaction Details
- Signed Sale & Purchase Agreement (if acquiring)
- Current Rent Roll summary & Lease Agreements (for commercial tenancies)
- For Construction: Resource Consent details & preliminary costings
FAQs
Property Finance FAQs
What loan-to-value ratios (LVR) do you lend at?
LVR depends on the security and loan type — up to 70% on commercial security and up to 75–80% on residential security, whether you need a short-term or long-term facility. Your term sheet will confirm the exact ratio for your file.
What's the difference between short-term and long-term facilities?
Short-term loans run 3–24 months and are typically interest-only with a bullet repayment at exit — ideal for bridging, auctions, or fast settlements. Long-term non-bank finance runs up to 20–30 years with monthly serviced or structured principal & interest repayments, suited to ongoing stabilisation.
How quickly can a short-term loan settle?
Short-term facilities can complete in as little as 72 hours once security and identity documentation are in place.
Can I refinance an existing commercial property facility?
Yes — both our short-term and long-term products can be used to consolidate or refinance existing commercial debt onto terms that better suit your strategy.
How are commercial property loan rates set?
There's no published rate card — pricing is set against the LVR, the security, bank versus non-bank, the term, and your exit. That's why we build an indicative term sheet around your actual numbers within 24–48 hours rather than quoting a headline rate upfront.
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 or land holdings located inside New Zealand.
- Indicative term sheets are turned around within 24–48 hours of receiving your file.