LOW DOC COMMERCIAL LOAN

With flexible income verification options, our low doc commercial loans are ideal for when things are a little more complicated.

A flexible commercial solution to help you thrive

Our competitive low doc commercial loan provides flexible income verification for free thinkers who may not have full documentation.

  • Suits self-employed borrowers

  • Flexible income verification

  • Borrow up to 80% LVR~

  • Rates from 8.35% p.a.+

Easy to understand features, variables and fees

Features

Flexible payment options ✅

Maximum LVR~ 80% ✅

Alternative income verification ✅

Maximum loan amount $8,000,000.00

Minimum loan amount $100,000.00

Principal & interest ✅

Interest only^ ✅

Redraw ✅

Maximum loan term            Up to 30 years

Repayments - Weekly, fortnightly, monthly ✅

Owner occupier & investor ✅

Loan variables

Established business ✅

Fees

Application fee^^ ✅

Establishment Fee^^^ From 1.00%

Service fee ✅

Valuation fee - Varies

Settlement fee ✅

Documentation fee ✅

Redraw fee^^^^ ✅

Deferred facility fee^^^^^ ✅

Discharge fee ✅

Discharge fee^^^^^^ ✅

Things you should know:

~This page displays our maximum loan to value ratio (LVR) for eligible customers that can provide sufficient income verification documents. Customers providing less income verification will be subject to further LVR restrictions. Please email us at info@modelcapitalsolutions.com for more details.

+Higher interest rates may apply. The actual interest rate applicable will depend on the loan to value ratio (LVR) and our assessment criteria including the level of income verification supplied. This page displays our best rate for eligible customers that can provide sufficient income verification documents.

1* Subject to loan to value ratio (LVR) restrictions.

+++Loans with an Interest Only period are subject to a 0.15% interest rate loading.

^Other Fees and charges are payable.

^^Application fee may apply depending on assessment criteria.

^^^The establishment fee is calculated as a percentage of the loan amount and has a minimum fee depending on assessment criteria.

^^^^Minimum redraw amount may apply.

^^^^^Deferred facility fee is calculated as a percentage of the loan amount and is only payable if the loan is repaid before the earlier of the end of the term or the third anniversary of settlement. Customers may elect to pay an upfront facility fee in lieu of a deferred facility fee prior to settlement .

^^^^^^Discharge fee plus legal fees and government charges are due upon loan finalisation.

#Higher interest rates may apply. The actual interest rate applicable will depend on our assessment criteria and the loan to value ratio. Please email us at info@modelcapitalsolutions.com for more details.

Frequently asked questions

  • A commercial loan is designed to help you invest in commercial property, fund business operations or to buy business equipment. A commercial loan typically uses commercial property as the security and can be an ideal option for those looking to purchase a business premises or build a commercial property portfolio. With a range of free-thinking commercial lending options, Model Capital Solutions and its Direct Lender partners has competitive solutions for all kinds of borrowers.

  • To apply for a commercial loan, you may need to provide details of the property or purpose of the loan, plus documentation of your current financials. Documentation requirements can vary based on the type of commercial loan you are looking for, and our low doc commercial loan offers alternative ways for you to verify your income such as, using an accountant’s declaration, your business activity statements and bank statements. For support to review your options and determine which is right for you, a Model Capital Solutions Adviser can help.

  • Model Capital Solutions low doc commercial loan is perfect for self-employed people and small businesses looking to invest in commercial property, fund business operations or to buy business equipment and who may not meet the traditional documentation requirements to evidence income. Our low doc solutions offer alternative ways for business owners to verify their income levels.

  • If you’re looking to build your property portfolio, a commercial loan can be a great way to get ahead. As commercial properties tend to have longer rental periods, they can provide greater rental certainty with fewer ongoing expenses. With a range of flexible commercial lending options, we’re here to help you reach your individual investment goals.

  • At Model Capital Solutions, we understand that things don’t always go according to plan, and that there is often more to the story than what’s listed in a borrower’s credit file. We assess each commercial loan application on a case-by-case basis to provide tailored lending solutions, even if you have a blemish on your credit history.

Ready to get moving?

Wherever you are in your journey, help is here however you need it.