No doc commercial loans, priced on the asset.
A no doc commercial loan is a business-purpose facility secured by commercial real estate where the credit decision rests on the security, the loan-to-value ratio and a provable exit — not on lodged financial statements, tax returns or BAS. Envision Private arranges these facilities on behalf of wholesale, sophisticated and family office investors, which is why a vacant warehouse, a part-tenanted strata suite or a recently restructured entity can still be funded when a bank credit model would decline it outright. Every facility is for business or investment purposes and secured by Australian real property. Envision Private is not an NCCP-regulated lender and does not provide consumer credit.
When it makes sense
- Purchasing commercial, industrial or retail property before financials are lodged
- Refinancing a bank facility that has been declined on servicing or tenancy grounds
- Releasing equity from an owner-occupied commercial asset for working capital
- Funding a vacant or part-tenanted asset that does not meet bank lease covenants
- Settling within days on an exchanged contract or auction purchase
- Clearing an ATO or creditor position ahead of a bank refinance
Indicative loan parameters
| Loan size | $250,000 – $20,000,000+ |
| Documentation | No financials, tax returns or BAS required |
| Valuation | Desktop or short-form valuation where the file supports it |
| Tenancy | No tenancy or lease covenant requirement |
| LVR | Up to 75% of value (higher considered case-by-case) |
| Security | 1st or 2nd mortgage over commercial, industrial, retail or mixed-use property |
| Term | 1 – 24 months, business and investment purpose only |
| Interest | Prepaid, capitalised or serviced monthly — commonly no monthly repayments |
How the process works
- Deal snapshot — asset, amount, purpose, term and exit — no financials needed.
- Indicative terms — written pricing and conditions within 24 hours.
- Valuation — desktop or short-form assessment where the security and LVR allow it.
- Documentation — loan agreement, mortgage and any supporting security prepared.
- Settlement — commonly 5–10 business days from indicative terms; faster where urgency is genuine.