Commercial finance built around asset class, tenant and exit.
Retail, office, industrial, medical, childcare and mixed use. Bank, non bank and private lenders assessed in one strategy.
Australian Credit Licence 384704. ABN 87 644 317 902. Any advice is general in nature and does not consider your objectives, financial situation or needs. Lender assessment applies. Outcomes vary by circumstance.
Commercial lending is not residential with a higher rate. Every asset class has its own risk lens, and every lender treats them differently. eCapital Funding builds the case each lender needs to see: rental covenants, WALE, DSCR, exit strategy and sponsor experience. We then run a competitive process across banks, non banks and where required private funders.
Why borrowers choose eCapital Funding
Asset class expertise
Retail, office, industrial, childcare, medical, mixed use, hospitality and specialised commercial.
Lender panel depth
Majors, second tier banks, non banks and private funders on the same panel.
Structure first, rate second
The wrong structure at a great rate still costs more than the right structure at a fair rate.
Who this suits
- Business owners buying their own premises
- SMSF trustees acquiring commercial property
- Investors building a commercial portfolio
- Developers refinancing completed commercial assets
- Groups requiring lease doc or specialist commercial funding
Our strategy process
- STEP 1
Deal review
Property, tenants, sponsor and existing debt reviewed.
- STEP 2
Term sheet
Indicative terms sourced from 2–4 lenders best matched to the deal.
- STEP 3
Credit submission
Full credit submission prepared, valuation ordered and negotiated.
- STEP 4
Settlement
Formal approval, docs and settlement coordinated with your lawyer.
Frequently asked questions
What LVR is available on commercial property loans?
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Typically 65–75% LVR for standard commercial assets on full doc. Lease doc (income of the tenant) can reach similar LVRs on strong properties. Specialist assets such as childcare, medical or industrial can attract different LVR bands.
What is a lease doc commercial loan?
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Lease doc lending assesses serviceability from the property's rental income rather than the borrower's personal or business income. It suits investors, SMSFs and passive commercial property owners with strong long term tenants.
How long are commercial loan terms?
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Common terms are 15–25 years amortisation with a 3–5 year interest rate review. Some lenders offer 25–30 year terms on prime commercial. Fixed rate periods of 1–5 years are also available.
Do commercial loans require personal guarantees?
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Almost always for private borrowers, and often for company borrowers. Non recourse lending is rare in Australia outside institutional deals. We negotiate the scope of the guarantee where possible.
Are you paid a fee for commercial loans?
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Commercial broking may involve a broker fee in addition to lender commission, particularly for complex or private funded transactions. Any fee is disclosed in writing before you commit.
Explore related lending
Complex commercial deals deserve a broker who has closed the ones that looked impossible.
Ready to talk it through? Let's find your way.
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