Commercial property and business finance for investors and business owners across Australia. Purchase, refinance and restructure lending with a clear view of cash flow, security and your next move.
Commercial property lending and business finance can fund property purchases, business acquisitions, working capital, equipment and refinances. The assessment considers the borrower’s repayment capacity, the transaction, available security and the proposed facility structure.
We bring the property, lease position, business cash flow and funding requirements into one proposal. The structure considers loan terms, repayment arrangements and settlement timing, with the lender process managed from enquiry to execution.
Commercial property calculator
Commercial property lending guide
Discuss a business finance requirement
A commercial property decision is stronger when the lease position, business requirements and settlement cash are tested as one proposal.
Reviewed by Stuart Hobden, Broker: Over 35 years in finance with 20+ years in real estate services. Reviewed .
One asset, several tenants, and a different expiry date behind each line of income.
Buying the premises the business trades from, without starving the business that services the debt.
“I have had my financial affairs overseen by Stuart Hobden for close to 20 years. I wouldn't use anyone else.”
“Pendium Finance was an absolute pleasure to work with, professional and understanding at every turn.”
Transaction structures are representative only. They describe the work Pendium is equipped to do, not case studies, lender policy or a promise of approval, pricing or timing. Every transaction turns on its own facts, the contract and the lender.
We assist commercial property investors and business owners purchasing or refinancing their premises. The lender approach depends on the property, its use, the lease position and the borrower’s wider financial circumstances.
The assessment typically considers the property valuation, rental or business income, existing debts and proposed security. For leased property, the lease terms, tenant position and vacancy exposure are relevant to the funding structure.
There is no single borrowing percentage that fits every commercial transaction. The amount depends on repayment capacity, property type, security and lender requirements. We assess the funding need alongside purchase costs and your available contribution.
Yes. Pendium also structures business acquisition, working capital, equipment and ownership-change finance. We consider these requirements alongside property debt where they form part of the same transaction.
Start a commercial enquiryExplore investment or owner-occupied commercial property across Australia. Investment scenarios include net operating income, yield, loan-to-value ratio, actual and stressed debt coverage, rent-weighted WALE, occupancy, tenancy concentration, lease expiries and cap-rate sensitivity. Add up to ten tenancies or vacant units.
Owner-occupied scenarios use sustainable business cash before occupancy and debt payments, less other debt payments and ownership costs. Compare ownership cash costs with rent that will cease, without counting that rent twice.
Select the property state or territory to include an indicative standard commercial-property transfer-duty estimate. The settlement-cost view separates purchase-price equity, duty, registry fees where a current public schedule supports the inputs, and confirmed legal, PEXA, valuation, lender and other settlement costs. Cash required at settlement is total acquisition cost less proposed debt.
Download or copy an acquisition brief to review the proposed debt, settlement cash, lease position and assumptions with your advisers. A Pendium conversation can then consider borrowing capacity, debt structure, acquisition or refinance funding, lender appetite, terms and sensitivity to rate, rent, vacancy and valuation. The brief stays on your device unless you choose to share it.
Registry fees depend on titles, instruments and lodgement method. The calculator only estimates them where the selected inputs map to a current public schedule; otherwise users should enter confirmed costs. GST, tax, incentives, foreign-purchaser treatment, concessions, entity and mixed-use treatment, future rent growth, capital works and balloon repayments are excluded. Indicative, static calculations only, not a valuation or lender assessment. Enable JavaScript to use the interactive calculator.
Southern Highlands home and investment loans
Phone: 1300 876 410 | Email: loansupport@pendiumfinance.com.au
Perth: 204/96 Mill Point Road, South Perth WA 6151
Sydney: Bay 5 North, Locomotive Street, Eveleigh NSW 2015
Pendium Finance Pty Ltd (ACN 662 388 838) — Credit Representative 543457, authorised under LMG Broker Services Pty Ltd (Australian Credit Licence 517192).
