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We arrange funding for commercial property development and acquisition, from retail and office through to hotel, short-stay and service station assets. The structure follows the value, the tenancy profile and your plan for the asset.
Commercial lending leans heavily on income and tenancy. Lenders look at the lease profile, the strength of the tenants, the weighted average lease expiry and the asset's value, alongside the gearing and the exit. For a development or repositioning, the funding is sized against the cost to complete and the end value; for an established asset, against value and serviceability. The interest cover ratio (ICR), which measures rental income against interest, is a common test on income-producing deals. Pricing and leverage depend on the lender, the asset and the risk.
Tell us about the project, the numbers, and the timeline. We will give you an honest read on whether we can fund it and what a suitable structure could look like. Email loans@bottomlinefinance.com.au or send the form.
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