Loan Products
Asset Lend Commercial Loans
Pure equity-based finance. When speed, certainty, and asset value are paramount, we deliver rapid capital without the traditional bureaucratic hurdles.
200+ lenders
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25+ years
In commercial finance
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Capital secured by the asset, not the paperwork.
Asset lending (often called Private Lending or Bridging Finance) looks strictly at the equity in the commercial property. If the Loan-to-Value Ratio (LVR) is conservative enough, the lender will fund the deal regardless of your current income or historical financials.
These are typically short-term facilities (3 to 24 months) designed to solve immediate problems or capitalise on fleeting opportunities. Interest can often be capitalised (added to the loan balance) or paid upfront, meaning zero monthly cash flow pressure during the term.
Common Scenarios
- Urgent Settlements: Securing a property at auction or below market value where a traditional 60-day bank settlement would lose the deal.
- Bridging Finance: Buying a new commercial premises before the existing one has sold.
- Value-Add Projects: Funding minor refurbishments or repositioning of an asset before refinancing to a traditional tier-one lender.
- Credit Repair: Payout of ATO debt or other urgent liabilities to restore a clean profile.
Time-critical scenario? We respond today.
For urgent settlements, send the contract and a property summary. We'll have an indicative term sheet from the right private lender within hours.
Reference library
Related guides
Deeper reference material on this topic from our commercial property finance library.
Commercial Property Development Finance: The Definitive Australian Guide
How commercial property development finance actually works in Australia — capital stack, lender assessment, feasibility metrics, LVR/LTC/LTGV, bank versus non-bank, construction mechanics, exit strategy and the deal-killer mistakes.
Commercial Property Valuation Explained: The Australian Lender's View
How commercial property valuations actually work in Australia — the three valuation methodologies, cap rate mechanics, lease quality and WALE impact, industrial vs office vs retail nuance, lender versus market valuation, and how to manage a valuation shortfall.
Bank vs Non-Bank Commercial Property Loans: Choosing the Right Lane
How to choose between bank and non-bank lenders for an Australian commercial property loan — the structural differences, pricing gap, LVR and policy, speed, covenant flexibility, when each lane is the right answer, and the role of private credit.
Asset Lend Commercial Loans — FAQ
What sophisticated borrowers need to know about short-term equity-based commercial finance.