At Madd Commercial, we understand that self-employed builders have unique needs when it comes to financing their projects. Commercial loans can be a vital resource for funding property development, but understanding the intricacies of commercial lending is crucial.
Builder financing presents varied pathways. From equipment loans fueling project operations to development loans bridging growth gaps, options abound. Land acquisition loans secure your site, while working capital and joint venture arrangements provide flexible funding. Explore these diverse avenues to realize your building vision.
Construction loans provide essential short-term funding for building projects. Loan amounts are determined by the property’s projected post-construction value. These loans enable builders to cover construction costs, from materials to labor, facilitating project completion and subsequent long-term financing or sale.
Land development loans provide crucial capital for converting undeveloped land into construction-ready sites. These funds cover essential pre-construction activities, including site preparation, infrastructure installation, and necessary approvals. Securing these loans enables builders to efficiently initiate projects and maximise land potential.
Bridge loans offer builders rapid access to capital for urgent requirements. Secure a property or initiate a project without delay, while long-term financing is arranged. These short-term solutions provide crucial liquidity, enabling builders to seize opportunities and maintain project momentum.
Permanent financing provides builders with long-term financial stability by replacing short-term construction or bridge loans. Secured by a mortgage on the completed project, these loans offer predictable payments, facilitating smooth transitions from construction to sales or long-term property ownership.
We simplify complex commercial lending with strategic guidance, from application through to settlement and everything in between.
We streamline the commercial finance process, manage the details behind the scenes, and keep communication clear — so you can stay focused on what you do best.
We work with a range of specialised and private lenders, giving you access to competitive commercial finance options tailored to your business goals.
Whether you're purchasing property, expanding operations, or investing in assets, we structure finance solutions to support your long-term success.
LVR is a measure of the loan amount compared to the value of the property. A lower LVR means less risk for the lender, which could result in better loan terms.DSCR is a measure of a property’s cash flow compared to its debt obligations. A higher DSCR indicates that the property generates sufficient income to cover its debts, which is a positive sign for lenders.
Lenders will want to see a solid business plan that outlines your project, projected costs, expected timeline, and potential profitability. This helps the lender assess the viability of your project and your ability to repay the loan.
Your personal and business credit histories can impact your ability to secure a commercial loan. Lenders will look at your credit scores, repayment history, and existing debts when assessing your loan application.
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