LOW DOC BUSINESS LOAN

Our low rate commercial property loans can be tailored to your individual borrowing needs.

Funds to support your commercial investment plans

With our lowest rate commercial loan, you can achieve your commercial investment goals, faster.

  • Ideal for business premises

  • 30-year loan terms

  • No annual reviews

  • Rates from 7.70% p.a.

Easy to understand features, variables and fees

Features

Maximum LVR - 80% ✅

Maximum loan amount - $10,000,000,000.00

Minimum loan amount - $20,000,000.00

Principal and interest ✅

Interest only up to 5 years*** ✅

Redraw ✅

Maximum loan term - Up to 30 years

Repay weekly, fortnightly, monthly ✅

Owner occupier & investor ✅

Fees

Application fee^^ ✅

Establishment Fee^^^ ✅

Service fee (per month) ✅

Valuation fee - Varies

Settlement fee ✅

Documentation fee ✅

Redraw fee^^^^ ✅

Deferred facility fee^^^^^ ✅

Discharge fee^^^^^^ ✅

Things you should know:

Subject to LVR restrictions.

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

++80% LVR available for residential securities only and up to 70% for commercial securities.

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

*Loan amounts may vary based on information provided.

^Other fees and charges are payable.

^^Application fee of $1,045 may apply depending on assessment criteria.

^^^The establishment fee is calculated as a percentage of the loan amount and has a minimum fee of $2,500 or $5,000 depending on assessment criteria.

^^^^Minimum redraw amount $5,000.

^^^^^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 of $395 plus legal fees and government charges are due upon loan finalisation.

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, Our Direct Lender partners offers 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 Direct Lender partners also offers a low-doc option with flexible income verification. For support to review available options and determine which option is right for you, send us an email at info@modelcapitalsolutions.com and one of our Loan Advisers will get back to you about how we can help.

  • If you’re looking to build your property portfolio, a commercial loan can be a great way to get ahead. Not only can a commercial property loan help to increase cash flow, but it can also support you to diversify your portfolio. And, 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.

  • Our low rate commercial loan is our most popular commercial loan for people in small business, and those looking to invest in commercial property. Along with our market leading loan-to-value ratios (LVR), we’ve thrown in great low-doc options designed to help both self-employed people and small businesses to borrow more freely. Whether you’re an owner-occupier or a property investor, send us an email at info@modelcapitalsolutions.com about how our low rate commercial loan could benefit you.

  • Many of our Direct Lender partner’s free-thinking commercial loans were designed with borrowers in mind. Whether you’re looking to invest, or to help boost your business, there are options that give you flexibility. We also take the time to understand your circumstances so we can help you find the best loan match for your goals. For support determining if options such as; long term, short term, low doc or low rate commercial loan is right for your investment goals, send us an email at info@modelcapitalsolutions.com

Ready to get moving?

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