Commercial Lending for Property Developer

At Madd Commercial, we understand that property developers 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.

Specialised Loans for property developers

Property development financing offers diverse avenues. From construction loans fueling project lifecycles to bridge loans bridging financial gaps, options abound. Land acquisition loans secure your foundation, while mezzanine financing and joint venture arrangements provide flexible capital structures. Explore these varied paths to realize your development vision.

Building Your Project's Foundation

Construction loans are short-term financing, crucial for development projects. Funding aligns with construction phases, based on the property’s projected post-completion value. They provide the capital needed to bring your building plans to life, ensuring your project progresses from blueprint to reality.

Laying the Foundation for Development

Secure your development’s starting point with land acquisition loans. These funds enable the purchase and initial development of raw land, transforming it into a construction-ready site. Essential for establishing your project’s foundation, these loans are the first step in realizing your development vision.

Swift Financing for Development Projects

Bridge loans offer rapid, short-term funding, ideal for immediate needs. Secure property acquisition or project initiation while awaiting long-term financing. These loans bridge financial gaps, providing crucial capital for time-sensitive opportunities in property development, ensuring project momentum.

Long-Term Stability for Developed Properties

Permanent financing provides a stable, long-term solution by replacing short-term construction or bridge loans. Secured by a mortgage on the completed property, it offers predictable payments and allows developers to transition from project completion to long-term ownership or sale.

Expert Advice That Delivers

We simplify complex commercial lending with strategic guidance, from application through to settlement and everything in between.

Streamlined Process

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.

Access to a Wide Lender Network

We work with a range of specialised and private lenders, giving you access to competitive commercial finance options tailored to your business goals.

Built for Business Growth

Whether you're purchasing property, expanding operations, or investing in assets, we structure finance solutions to support your long-term success.

#Must Know

3 things you should know when seeking a commercial loan

Understanding Loan-to-Value Ratio (LVR) and Debt-Service Coverage Ratio (DSCR)

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.

Importance of a Solid Business Plan

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.

Role of Personal and Business Credit

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.

Partnering with Business Professionals

At Madd Commercial, we love working with our clients, and our goal is to understand the business operators’ strategy, operations, management, financials, and opportunities, so we can source an optimal funding proposal to assist the growth of business.
Cici Yang
MORTGAGE BROKER & COMMERCIAL BROKER

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