“I invest in commercial property and the finance is the hard part.”
The asset stacks up. Now the file has to.
Commercial property investors buying, refinancing or growing a portfolio. The deal is rarely lost on the property. It is lost on how the numbers were presented, which facility was picked, and what the covenants do the year after settlement. We do that half, and we arrange none of the credit.
The path
Four steps, in the order that works.
Read the debt you carry
Across a portfolio the structure that suited the first purchase is often carrying the fourth. Every facility in one schedule: pricing, security, covenants, headroom, and the expiries mapped across the next three years. $990, and free for clients of The Lending Lab.
Test the acquisition
The facility you have in mind modelled into your actual position at the rate a lender tests rather than the one you were quoted, on top of everything already carried. $1,850, and free for Lending Lab clients.
Build the file
The submission the funding comes from, built the way a credit team reads one. Both of the deals below had been to brokers and been knocked back before the file was rebuilt.
Hold the position
Interest cover and loan to value move with rates, rents and valuations, and a portfolio trips a covenant before it misses a payment. Covenant Management runs the compliance all year; The Owner's Desk keeps the capacity current.
What you might need
The products on this path, every fee on the page.
Debt advisory
The whole practice in one place: what you carry, what you can carry, and the covenants in between. Six fixed-fee engagements.
From $950
Learn moreDebt Facility Review
Every facility in the portfolio read for pricing, structure, covenants and security. Free for Lending Lab clients.
$990 · 5 business days
Learn moreFinance documents
The submission behind the facility: the asset, the income, the structure and the sensitivities, set out the way a credit team reads them.
From $950
Learn moreSubmission Rescue
A knocked-back deal rebuilt from evidence and restructured for the next lender. Three of the property stories below arrived this way.
$950 · 3 business days
Learn moreStart free
Free, no email wall, method set out in full. Run the facility before anyone runs it for you.
Client stories
Both of these had been knocked back before they reached us
Industrial property, metro Brisbane · 2024
Declined twice. Then $1.5m of equity in nine months.
Over $1.5m of equity uplift in nine months.
Read the storyCBD retail, Brisbane · 2025
The bank said no. The asset shows a projected 55% IRR.
A projected 55% IRR, business balance sheet left intact.
Read the storyRead first, pay later
Two ways this can work.
We do the advice work and build the file. Who arranges the loan is your choice: your own broker or bank, or a referral we make for you.
Want the finance arranged as well?
We do the advice work and refer the lending. Business and commercial lending goes to The Lending Lab, where Nick is a credit representative, and development and construction finance goes to Andorra Private. Your file goes with you, so nobody starts again.
Ask about a finance referralAlready have a broker or a banker you trust?
Keep them. We will build the file to the standard a credit team expects and work directly with whoever lodges it. Same models, same documents, same standards, at the same fixed fee.
See the finance documentsWant a straight read on your deal?
Book a free call with Nick. Bring the numbers you have, and we will tell you the right service level and the fixed fee. No obligation.