[Asset-specific or industry-specific subheading.] Lending for this sector is priced and assessed on the asset’s income profile, the borrower’s operating history and how the lender views the risk. We work across the tiers of lenders who actively write this type of deal.
Every sector has its own risk signature. A lender pricing a leased industrial asset looks at very different factors to a lender pricing a restaurant. This page explains the specific lending dynamics of [asset/industry].
[ADD 250–350 WORDS OF ORIGINAL, SECTOR-SPECIFIC CONTENT.] Cover the operating model, what drives income, how the sector behaves through economic cycles, and the policies that lenders actually apply. Avoid generic commercial copy — the same text on every page undercuts the entire cluster.
For most [asset/industry] deals, one factor above all others determines whether a lender says yes and at what price. Name it plainly and explain why it matters — this is the difference between a general commercial finance page and a page written specifically for this sector.
These are the six risk categories lenders weigh when pricing a [asset/industry] deal. Each one is a lever you can strengthen before you apply.
How much of the asset or revenue is committed? Single-tenant or single-client exposure prices higher than a diversified income base.
For leased assets, the tenant’s balance sheet, lease term and review structure move the needle more than the property itself. For businesses, it’s the customer concentration.
Lenders apply an interest cover ratio to net income. Deals closer to the ICR floor price harder and get less flexibility on LVR.
Hospitality, retail and construction move with the cycle. Medical, industrial and essential services are more defensive. Lenders price that difference in.
What’s the re-let or re-establishment risk? Specialised fitouts, single-purpose buildings and niche sectors carry longer vacancy assumptions.
Portfolio or revenue concentration — location, tenant, customer or supplier. Concentration doesn’t disqualify a deal, but it moves pricing.
For [asset/industry], lenders don’t just look at the total income. They read it through the specific structure that applies to this sector — lease, revenue, contract or a mix.
Where the asset is leased, lenders price on the lease itself. Term remaining, tenant covenant, review structure and outgoings all feed into both LVR and rate.
Where the deal is financed on the business itself, lenders read profit and cash flow through normalisations, add-backs and the borrower’s track record in the sector.
The valuation is the lender’s view of value — not the borrower’s. Understanding what the valuer will look at, and what they’ll mark against the deal, is often the difference between an approval at the right LVR and a shortfall.
Net market income divided by the market yield. Used for standard leased commercial property.
Recent comparable sales of similar assets. Common for industrial and retail where the market is transparent.
For businesses financed on earnings, value is derived from an EBITDA multiple adjusted for sector and risk.
Standard acquisition or refinance finance. Fixed or variable, interest-only available. Best fit for stabilised income.
Revolving facility secured against property or business assets. Useful where working capital needs fluctuate.
Short-term funding to bridge timing — purchase before sale, fast settlement, or while mainstream finance is being arranged.
Where the scenario doesn’t fit mainstream policy — specialised security, low doc, unusual income or a distressed timing situation.
Every deal is different, but most files for [asset/industry] need the following. We’ll confirm the exact list after a short conversation.
Entity documents — ABN / ACN / trust deed
Director / trustee ID and financials
2 years tax returns for the entity or individual
P&L and balance sheet — 2 years
Contract of sale or lease documentation
Lease agreements and rent roll
Valuation evidence from prior deals
Business plan or strategy summary
Sector experience and prior transactions
Cash flow forecast — 12–24 months
Market commentary on sector outlook
Comparable transaction references
Insurance schedule and outgoings
Capital expenditure plan
Property / asset condition reports
Add a real, de-identified transaction. Never fabricate numbers or outcomes.
[Entity type and sector context.]
[Property or industry, location, use.]
[The specific issue that made this non-standard.]
[Lender tier, structure, key terms.]
Every lender assesses this sector slightly differently. These are the questions clients ask most often.
It depends on the asset type, tenancy or income strength, location and lender tier. Mainstream lenders often work to 60–70% LVR on standard commercial. Specialist lenders may go higher where the underlying income is strong and the exit is clear. Replace this with the range that actually applies to this sector.
Most commercial property is valued using income capitalisation — net market income divided by a market yield derived from comparable transactions. Businesses financed on earnings use an EBITDA multiple adjusted for sector and risk. The valuer works for the lender, not the borrower.
For owner-occupied and operating business finance, yes — most lenders want to see relevant experience. For investment property, experience helps but isn’t always required if the income and lease strength are there.
Standard commercial property deals typically take 3–6 weeks from application to formal approval, plus valuation and settlement. Specialist and private lenders can move faster — sometimes in days — where the deal is straightforward and security is clean.
Yes. Where the deal fits mainstream policy and the borrower has relevant personal income or residential security to support it, we can often structure an approval without prior commercial lending history.
Free, no-obligation assessment — Australia-wide by phone, video and online.
Family-owned mortgage and commercial finance brokerage. Sydney-based, servicing clients across Australia by phone, video and online.
1300 000 000
commercial@rescomloans.com.au
General information only. Commercial lending terminology, sector-specific requirements and lender appetite vary between lenders and change over time. The information on this page does not take into account your objectives, financial situation or needs. Any examples are illustrative only. [INSERT RESCOM’S APPROVED CREDIT / LICENSING DISCLOSURE AND AFCA DETAILS WHERE REQUIRED.]