Business & Commercial Finance
Commercial Finance
TransformBiz structures commercial property and specialist commercial finance for Australian investors and business owners — owner-occupied premises, investment assets, development funding and private credit where the majors will not go.
Commercial Lending, Done Deliberately
Commercial lending is negotiated, not published. Loan-to-value ratios, terms, covenants, review triggers and interest cover requirements all move with the asset, the tenant and the borrower. That negotiation is where the value sits.
- Commercial property purchases — retail, office, industrial and mixed use.
- Owner-occupied premises, including purchases through an SMSF or a related entity.
- Investment assets assessed on lease covenant, WALE and tenant quality.
- Construction and development funding with staged drawdowns.
- Specialist and private credit for short timeframes and non-standard positions.
The Terms That Matter More Than Rate
On commercial facilities, loan term, review dates, valuation triggers and interest-cover covenants often affect the outcome more than the margin. A cheap facility with a two-year review can force a refinance at the worst possible moment. We negotiate the whole term sheet, not just the price.
General information only. This page does not consider your objectives, financial situation or needs and is not credit, tax or legal advice. Lending outcomes vary by lender and individual circumstances, and are subject to assessment and approval.
Clients With Exactly This Problem
Vineet and the team refinanced our commercial facility and restructured the way our entities were funded — the process was clear, the options were explained properly, and the outcome was materially better than what we had.
I cannot recommend Vineet highly enough — my application was complex with existing property portfolio structures and businesses within. The strategy session alone gave me the confidence to go ahead with the biggest and most speculative deal to date.
Commercial Finance — Common Questions
Let's Structure It Properly
A short conversation is usually enough to see whether the structure is right.