We provide credit assistance to help business owners understand how different lenders assess commercial applications, how loan structures work, and what options may be available based on the nature of the business and the transaction involved.
Our role is to explain lender requirements clearly, compare lending structures, and guide you through the application and settlement process.
What are you looking to do?
Commercial property lending applies to offices, warehouses, industrial and retail premises. Lenders assess these applications differently to residential loans, with a focus on lease terms, income, business performance and security structure.
We help explain how commercial property loans are assessed and guide you through the lending process.
Business acquisitions, management buyouts and partner buyouts often require carefully structured lending. These transactions can involve multiple entities, security types and cash-flow considerations.
We help you understand how lenders assess these scenarios and assist with structuring and implementing the lending component.
Working capital facilities can support day-to-day operations, expansion or short-term funding needs. These facilities may be structured as overdrafts, cash-flow loans or term lending, depending on the situation.
We help explain how lenders assess business income, expenses and cash flow when considering these facilities.
Rent roll finance is a specialist form of lending commonly used by real estate agencies. Lenders assess rent roll transactions differently to standard business loans, with a focus on income stability and portfolio composition.
We assist with the lending aspects of rent roll acquisitions, refinances and expansions.
Businesses may refinance to consolidate facilities, change lenders, adjust structures or manage cash flow more effectively. Refinancing can involve reviewing both loan pricing and structure.
We help explain the lending implications involved and guide you through the refinancing process.
How we support business owners
We support business and commercial lending clients by:
- Explaining how different lenders assess business applications
- Reviewing financials and structures from a lending perspective
- Comparing loan structures and facility options
- Managing applications, approvals and settlements
- Coordinating timing where multiple entities or transactions are involved
Where appropriate, asset finance may also form part of a broader funding structure.
Working alongside your advice team
Where business or commercial lending forms part of a broader plan, lending considerations are implemented in coordination with your overall advice. Decisions around financial and tax advice are considered within your Ironbark advice team as part of your broader advice framework.