At Global Capital Commercial we understand that every commercial property loan can be affected by a broad spectrum of variables which can require extensive structuring in order to get the commercial loans approved. With access to over 200 commercial lenders, commercial loan rates starting from 4.95% (1/11/12) and LVR's up to 80%, no one is better equipped to deliver on all your commercial property loan needs.
Due to the global financial crisis the commercial lending environment within the commercial property loan market has generally become very tight with most commercial property lenders lowering their Loan to Value Ratios (LVR’s), tightening commercial credit policy and with many commercial lenders pulling out of the commercial property market entirely, has left many commercial property loan borrowers frustrated with the lack of commercial loan products available to them.
Global Capital Commercial though our wealth of experience in the marketplace and access to over 200 commercial property finance lenders has been able to offer our clients access to commercial property loans which have matched their commercial finance requirements even through these trying times.
Our commercial mortgage product offerings range from straight forward commercial loans for both commercial real estate investors and owner occupiers, through to more highly leveraged structured commercial finance facilities as follows:
Commercial loans for purchase or refinance of all commercial real estate, industrial and retail assets
Commercial loans for owner-occupiers or investors for commercial property assets
Commercial loans on a Non-Recourse basis, where no directors guarantees are required and the only security offered is the commercial property
Commercial loans for specialised commercial real estate assets such as pubs, hotels, motels, caravan parks, petrol stations, child care facilities, retirement villages, etc
Structured commercial finance facilities where the LVR required exceeds current lending parameters and a structured commercial finance solution is required
Depending on what financial information the commercial real estate borrower can provide, a commercial mortgage solution may be achieved through either:
Full Doc: Commercial loan borrowers who can demonstrate serviceability with up to date detailed financial statements covering a minimum of the last two financial years
Lite Doc: Lite Doc Commercial Loans are for borrowers who just fall outside the Full Doc criteria and who can still clearly demonstrate serviceability through information such interim financials, rental income etc. If rental income alone services the loan this is sometimes reffered to as a lease doc.
Low Doc: Low Doc Commercial Loans are where the borrower can not demonstrate serviceability through traditional means however can obtain an accountants letter confirming that they can service the debt
No Doc / Asset Lend: Commercial Loan borrowers who cannot provide any income verification and also cannot obtain an accountants letter to confirm that they can service the debt. In effect the commercial loan is an asset lend against the commercial property
Global Capital Commercial | Commercial Finance Services
Global Capital Commercial (GCC) was established in 1991 and has quickly become one of Australia's leading commercial loan brokers and has successfully obtained approval for well over AUD$4bn worth of loans Australia wide.
Global Capital Commercial's team has an abundance of experience as commercial finance brokers specialising in all facets of property finance, development finance, commercial finance, corporate finance, commercial loans, construction loans and business finance. GCC is also in a position to assist in facilitating mezzanine finance and private equity placement.
Our specialty is the structuring of complex property finance transactions that is beyond the scope of an ordinary commercial loan broker.
At Global Capital Commercial our experience and up to date knowledge of the full spectrum of property finance markets and the sheer number of property finance transactions we receive (averaging over $300M per month) predominately via our commercial finance broker network of over 6,500 commercial finance brokers makes us acutely aware of the availability of funds and pricing of commercial finance. If a loan can be done we have direct access to the lender who can do it.
Through our network of well over 200 specialist lenders Global Capital Commercial is uniquely positioned to assist in all property finance and business finance loans no matter how specialised the security type. We aim to settle all property finance transactions in the shortest possible time with the most favourable terms for our clients.
GCC has the widest network of lenders Australia wide. GCC is constantly updating the available lending parameters by reviewing funder profiles and establishing new funder relationships as they emerge. We compile all available data to ensure that we are positioned to provide the optimum financial package for your clients.