Commercial Loans

Introduction

Our mission is to be the preferred distribution channel for commercial real estate by serving as the link between users of capital and providers of capital.If you’re investing in commercial real estate and need capital, a first mortgage loan, a second mortgage Loan or any other financial need, Structured Finance Specialists is the ideal advocate. Our Financial Consultants can help you get your deal financed, no matter where you are in the investment cycle.

Structured Commercial 1 (Conventional Financing)

Loan Amount
$200,000 minimum
(no maximum)
Loan Term 1 – 20 years.
Amortization
Up to 20 years
Indicative Interest Rate From 1.50% over 90 day bank bill rate or over the 1 – 3 year swap rate. Fixed rates up to 5 years are available in certain cases
Minimum DSR
1.25 to 1.50
Maximum LVR 70%
Eligible Properties

Retail
With or without anchor tenants.

Commercial Offices
– Located in Central Business Districts or suburbs.

Industrial
Single tenant and multi-tenant facilities.

Ware hoses and other acceptable properties

Eligible Borrower Most borrowing structures are acceptable
Establishment Fee
0.5% – 0.75% of the loan amount, excludes the valuation and legal fees
Locations Capital cities and major regional centres

 

Structured Commercial 2 (Alternative)

Loan Amount $200,000 minimum
(no maximum)
Loan Term 1 – 3 years
Amortization Up to 20 years Indicative Interest Rate From 3.50% over 90 day bank bill Rate. Fixed Rate loans available in certain cases
Minimum DSR Should demonstrate ability to service the loan repayments Maximum LVR 70%
Eligible Properties Retail, Commercial, Industrial, Residential properties and some Specialised properties Eligible Borrower Most borrowing structures are acceptable
Establishment Fee 0.75% – 1.10% of the loan amount excludes the valuation and legal fees. Locations Capital cities and major regional centres

Application Checklist
Details of loan required
– Amount
– Purpose
– Structure
– Borrower(s)
– Guarantor(s)
– Name(s) and Address(es) of all party(ies)

ABN Number (GST Compliant)
Brief business/personal history
Corporate/Family tree
Details of security offered [copy of a recent valuation if available]
Details of all fixed commitments other than the current loan
Financial statements (last 3 years) of borrower(s), directors and guarantors
Cash flow projection (minimum 12 months)
Statement of Assets & Liabilities for Directors/Partners/Guarantors
Copy of Contract of purchase (where appropriate)
Solicitors Details
Signed authorities to conduct CRAA reports for all borrower(s), directors and guarantors
Photocopies of prior twelve months bank statements
Aged debtors and creditors listing

Swastika De Zoysa is a credit representative (Credit Representative Number: 432678) of BLSSA Pty Ltd
(Australian Credit Licence Number: 391237)