Commercial property loans, priced on the asset.
Commercial property loans are property-secured facilities used to acquire, refinance, reposition or release equity from income-producing or vacant commercial real estate. Banks assess these deals against tenancy covenants, WALE and serviceability tests that can rule out perfectly sound transactions. Envision Private arranges commercial property credit on behalf of wholesale investors, high-net-worth individuals and family offices, so the decision comes down to the quality of the security, the borrower's plan and a credible exit.
When it makes sense
- Acquiring an office, retail, industrial or mixed-use asset on a short settlement
- Refinancing a maturing bank facility where the lender will not extend
- Funding a vacant or partially tenanted asset while leasing is completed
- Releasing equity from an existing commercial asset to fund another purchase
- Repositioning or refurbishing an asset ahead of sale or long-term refinance
- Settling a commercial purchase where a bank cannot meet the contract date
Indicative loan parameters
| Loan size | $250,000 – $20,000,000+ |
| LVR | Up to 70% of commercial market value |
| Term | 3 – 24 months |
| Interest | Prepaid, capitalised or monthly serviced |
| Security | 1st or 2nd mortgage over Australian commercial property |
| Exit | Sale, bank refinance or stabilised lease and revaluation |
How the process works
- Deal snapshot — asset type, tenancy, valuation, loan amount and exit.
- Indicative terms — written pricing, LVR and structure within 24 hours.
- Credit approval — valuation, lease review and legal due diligence.
- Documentation — loan agreement and registered mortgage.
- Settlement — typically 10–20 business days from indicative terms.