Commercial Loans

TF Partners can assist you with your goals to purchase commercial real estate, including the following types of properties:

  • Offices
  • Factories
  • Warehouses
  • Shops/Retail Spaces

Finance for commercial property is significantly different to residential property. A big difference is that banks typically only lend up to 75% of the commercial property’s value. The terms of lending can also vary drastically depending on whether you are purchasing to occupy the space yourself or are investing and plan to lease out the space. A lender may consider the terms of any lease currently in place when offering finance.

Commercial loans may also include strict bank covenants. We will do our best to avoid entering into any arrangements which include covenants, because breaking these conditions may result in severe financial penalties. If it is unavoidable to enter a finance agreement which includes covenants, our team can assist your business by reviewing financial and non-financial results on a regular basis to mitigate any risks of breaking these conditions.

GST is a major consideration when buying a commercial property. This additional cost may not be included in finance arrangements, which purchasers must be aware of. If you are purchasing a property which has a lease agreement in place, it may be considered a going concern and as such be a GST free acquisition.

It may be possible to use the value of your business as opposed to a cash deposit for a commercial loan. Depending on the nature of the business, the lender can use financial measurements from the business’ financial statements. TF Partners can assist by explaining what the bank wants to see, and what information the lender can use when offering terms.

Talk to us to find out more

Call +61 3 9988 1900 or fill in the form below

Why choose TF Partners?

TF Partners is constantly evolving and developing alongside our clients, to provide a holistic range of services including Accounting, Business Advisory, Wealth Management and Finance. With our depth of expertise, we provide our breadth of services to a diverse range of clients across an array of industry sectors.