Commercial Loans
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Whether you're planning your first development or scaling your portfolio, Lynbia is ready to fuel your vision.
What is a Commercial Loan?
Commercial Loans have many similarities to business loans, but are secured by a commercial or industrial Real Estate property. These loans are for the purchase or refinance of Commercial or Industrial property.
Why Choose Lynbia for Your Commercial Loan?
- Tailored Financial Solutions: At Lynbia, we don’t believe in one size fits all solutions
- Competitive Interest Rates: We understand that managing loan repayments is a key consideration for any business
- Fast and Efficient Process: In the fast paced world of business, speed matters.
- Flexible Loan Terms: Whether you’re looking for a short term boost or a longterm financial partner, we offer flexible repayment schedules, loan amounts, and durations
- Expert Guidance and Support: Beyond providing loans, Lynbia offers valuable insights and consulting services to help you make informed decisions.
Are Private Commercial Loans different to bank commercial loans?
The lending parameters for private commercial loans differ considerably from bank commercial loans. The lending ratios are generally higher for private capital with fewer restrictions on prior years paid taxes for banks they will require at least 2 years tax returns, large presales on a development to cover most of their debt prior to starting construction on a development to just name a few.
As a guide, most private commercial loan lenders will lend up to a maximum of 80% LVR. You will even find a very small number of lenders pushing up to 90% LVR. The loan offerings are designed to provide the maximum flexibility to the borrower, support, and resources you need to achieve your goals.
Serviceability (affordability) requirements under a commercial loan?
Commercial loans do not come under the NCCP legislation so the lenders are more flexible with approving a commercial loan. For example, some lenders will consider cash flow forecasts in assessing whether or not to approve a loan. Other lenders will consider the performance of the business over previous business quarters and actualise the income of the business to assist in serviceability.
Types of Commercial Loans
How We Work
From Vision to Reality: Our Seamless Process
Lynbia, we are committed to delivering expert commercial finance solutions that align with your business needs.
Our process is designed to be simple, transparent, and tailored to ensure the best financial outcomes for your business.
Our team takes the time to understand your financial goals, challenges, and long-term objectives
Based on our understanding of your business, we create a personalised private funding strategy to allow growth
With years of experience in private commercial finance, our consultants guide you through every step of the funding process.
We believe in building long term partnerships with our clients, providing ongoing support and strategic advice as your business evolves.
Why Lynbia?
Our values are not just in tune to funding. We are strategic partners who understand the complexities of working though the private funding space. Our team brings a blend of investment acumen, technical expertise, and a global network of investors and advisors.
Lynbia is able to assist with First and Second Mortgages, Caveat Loans, Bridging Finance, Development and Construction Funding
We aspire to be one of the most respected national commercial finance consultants by providing professional, ethical and experienced advice and service to our clients.
Unlocking Capital. Empowering Growth
Expert Commercial Finance Consultants
Get in touch with us today to learn more about our commercial loan offerings and discover how we can help your business grow. Whether you’re looking for a business loan, or commercial real estate funding solution, our team is ready to help you.
