Eternity Group

Finance — Commercial Lending

Commercial Lending

Commercial lending scoped against the business and the security — owner-occupied premises, commercial investment property, restructure of existing commercial debt, and the cash-flow review behind it. Lender policy varies; the recommendation is documented in writing before any application.

Book a Commercial Lending Scoping CallSee Our Process
  • Owner-occupied premises
  • Commercial investment
  • Refinance & restructure
  • Cash-flow review
  • SMSF commercial (bridge)

Mr Rohan Manokaran (Credit Representative 565110) is authorised under Australian Credit Licence 561324 held by Loans Only Pty Ltd. Information on this page is general in nature and does not take into account your objectives, financial situation or needs. Credit eligibility, lender criteria, fees and charges apply.

What we scope

The shape of a commercial lending enquiry.

Commercial finance covers a range of structures. The categories below are the ones we most often scope — each is assessed on its own facts before any lender is approached.

Owner-occupied premises

Purchase or refinance · business operating from the property

Where the business itself occupies the commercial property, lenders look at the trading history, the rent the business would otherwise pay, the LVR and the borrower entity. The loan often sits alongside an equipment or working-capital facility — we scope the package, not just the property loan.

Commercial investment property

Tenanted asset · lease and yield review

For tenanted commercial property the lease is the document the lender reads most closely — term, options, outgoings, tenant covenant. We scope the lender shortlist against the lease and the valuation rather than against the headline yield.

Refinance & restructure

Existing commercial debt · expiring facilities

Commercial facilities are typically reviewed every three to five years. Where the existing facility is expiring, the lender margin has drifted, or the structure no longer fits the business, a refinance review compares the existing position against current-market alternatives in writing — including costs of switching.

Cash-flow & servicing review

Business financials · BAS · tax returns

Servicing is calculated off the business financials, BAS and tax returns. As the same practitioner is the accountant and the broker, the lender presentation works off the actual numbers rather than a reverse-engineered summary — reducing back-and-forth at credit assessment.

Security & documentation

Lease · valuation · entity structure

The security profile — registered valuation, lease where applicable, council zoning, environmental factors — and the borrower entity (company, trust, individual, SMSF) all change the lender shortlist. Document expectations are confirmed in writing before any application.

SMSF commercial (bridge)

LRBA · scoped inside the SMSF service

SMSF commercial lending sits inside the SMSF service rather than as a generic commercial loan. Limited Recourse Borrowing Arrangements are a specialist structure with strict requirements — we touch on it here at a high level and link through to the SMSF page for the detail.

Process

From scoping call to commercial settlement — a document-driven sequence.

Commercial transactions move at the pace of lender policy and documentation. The steps below are the rhythm we follow — every milestone is confirmed in writing.

Scoping call

The asset, the purpose, the borrower entity, current commercial debt, the lease (if applicable) and the timing. We confirm whether commercial finance is the right structure before going further.

Document collection

Business tax returns, financial statements, current management accounts or BAS, asset-and-liability statement, lease, valuation, council documentation, director ID. Lender variation is real — we confirm against the shortlisted lender.

Position review

Servicing position, target lender shortlist, structure (term, P&I vs interest-only, balloon, facility limits), security profile and indicative costs — documented in writing before any application.

Lender application

Application submitted to the shortlisted commercial lender. Lender applies its own credit and policy assessment. We track and report progress at each milestone.

Conditional → unconditional

Conditions resolved — valuation, lease, environmental, director searches. Unconditional approval triggers documentation and security preparation.

Settlement & review cycle

Settlement on the agreed date. Loan-account details and review-date calendar entry provided in writing. Commercial facilities are reviewed every three to five years — we diarise the next review.

Frequently asked questions

Commercial lending — common questions.

Commercial loans are assessed against the business and the security property rather than against a single household. Lenders look at the trading history, the lease (if tenanted), the rental yield, the LVR against a commercial valuation, the strength of the borrower entity and the servicing position after tax. Pricing, fees, loan terms and review cycles vary materially between lenders and from one transaction to the next.

How we are paid

How we are paid: Eternity Mortgage Solutions typically receives commissions from the lender for loans arranged on your behalf. A full explanation of how we are paid, our lender panel and any potential conflicts of interest is provided in our Credit Guide and Credit Proposal Disclosure document, available on request before any loan application is submitted.

Related

Where this fits in the bigger picture

Commercial lending rarely sits in isolation. Refinance scoping, the property-investor pathway and the wider tax-lending bridge all connect.