Commercial property finance, intelligently structured.
Buying business premises, refinancing an existing loan or using property equity to support growth? The right finance should serve your wider commercial objectives, not just get a transaction across the line.
Quant Lend combines quantitative analysis with commercial judgement and a personal approach to evaluate borrowing options, explain the trade-offs and help you move forward with clarity.
Funding for the decisions that matter.
Commercial property finance can support an acquisition, improve an existing lending arrangement or provide capital for another business objective. First, we establish what you want to achieve. We then assess a borrowing structure that may support that outcome.
Purchase commercial property
Finance an office, warehouse, industrial property, retail premises or commercial investment. We then consider the purchase, available security, rental income where relevant and the cash your business needs to retain.
Refinance an existing loan
Review your current interest costs, repayment arrangements, loan term and flexibility. However, changing lenders makes sense only if the potential benefits justify exit fees, new costs and other commercial implications.
Access property equity for growth
Explore whether existing commercial property may support additional borrowing for an eligible business purpose, such as another acquisition or expansion. However, taking on more debt also increases financial obligations and property risk.
Have a specific transaction in mind? Tell us the property, the approximate amount required and any critical dates. From there, we can begin assessing the options.
Discuss your transactionNumbers inform the decision. People shape the solution.
A competitive interest rate matters, but it is only one part of a commercial lending decision. Therefore, we weigh pricing alongside cash flow, flexibility, lender requirements and the purpose of the finance.
Our role is to bring structure to a complex decision, while recognising the commercial circumstances behind the numbers.
01 Quantitative assessment
We examine relevant financial performance, current commitments, property characteristics and rental income or lease terms where applicable. As a result, we can identify which borrowing options warrant closer consideration.
02 Considered lender comparison
We assess relevant available lending options against total cost, repayment structure, security requirements and practical flexibility, rather than relying on an advertised rate alone.
03 Personal commercial judgement
We listen to the objectives, constraints and deadlines that financial statements cannot fully explain. We then help you understand the options and what progressing an application may involve.
What makes a loan genuinely competitive?
The lowest quoted rate is not always the most suitable outcome. Instead, we assess a proposal against four commercial priorities.
Interest, establishment charges, ongoing costs and potential exit fees.
Repayment size and how debt obligations fit your operating position.
Loan term, repayment options and the ability to adapt as circumstances change.
Security requirements, documentation, lender conditions and timing.
Comparing an existing loan with a new proposal? We can help you assess the commercial trade-offs, not just the interest rate.
Request a loan reviewThe questions worth answering early.
Every transaction has different requirements. These five areas usually shape the financing discussion and help identify where detailed analysis is needed.
01How much could I borrow?
Borrowing capacity depends on more than the property’s estimated value. For example, lenders may examine income or rental cash flow, existing debts, the property type, the proposed use of funds and how much you contribute.
We can assess the relevant figures and explain which factors may influence the amount and structure of finance available. A lender’s valuation and credit assessment ultimately determine its position.
02What will the finance actually cost?
Our brokerage service is free to you. Quant Lend does not charge borrowers a brokerage fee. If your finance settles, we receive a one-off fee from the lender. We do not receive ongoing trail commissions.
The finance itself still has costs. Depending on the lender and transaction, these may include interest, establishment fees, valuation and legal expenses, ongoing charges, and costs associated with refinancing or repaying an existing loan.
We assess these expenses alongside the loan term and repayment options, helping you compare the total cost and commercial suitability of the finance rather than just the advertised interest rate.
03Can repayments be structured around my cash flow?
Some lending arrangements require repayments that reduce the amount borrowed over time. Alternatively, certain lenders may permit interest only repayments for an agreed period. Fixed or variable rates, loan terms and repayment frequency may also differ.
Each approach has trade-offs. For example, interest only repayments can reduce near term outgoings, but the principal remains outstanding and later repayments may increase. Availability depends on lender policy and your circumstances.
04What information will a lender want to see?
Requirements vary by lender and transaction. However, the documents commonly requested include:
- Business financial statements: recent annual accounts and, where available, up to date management figures.
- Tax information: recent business tax returns or other records requested by the lender.
- Existing loans: current borrowing balances, repayment commitments and relevant loan statements.
- Property details: the address, property type, proposed use and any existing valuation information.
- Rental and lease documents: current leases, a rent schedule and key tenant details, where the property produces rental income.
- Purchase information: a contract of sale and details of the proposed purchaser or ownership structure, where relevant.
We will explain which items are actually needed for your circumstances. Please do not upload or send sensitive documents through the initial enquiry form. We can discuss an appropriate, secure method of providing them when required.
05How quickly can funding be arranged?
Timing depends on the lender, the complexity of the transaction, the completeness of information, property valuation, legal work and final credit approval. Therefore, identify an urgent settlement or an expiring loan at the beginning.
We can help you understand the steps and likely constraints, but approval and settlement dates cannot be guaranteed.
Your circumstances will not fit a generic checklist perfectly. A direct conversation can clarify the issues that matter most.
Ask about your situationA clear process from initial discussion to lender decision.
Our approach is designed to establish the relevant facts early, evaluate suitable options carefully and keep the next steps understandable.
Establish the objective
We discuss what you are seeking to achieve, the property involved, the approximate funding requirement and any timing constraints.
Analyse and compare
Next, we review relevant financial and property information, consider appropriate lender options and discuss structure, cost and material trade-offs.
Coordinate the next steps
Where there is a suitable path forward, we explain the required information and assist with progressing the application through lender assessment.
Working to a deadline? Tell us early. We can factor timing into the initial assessment and identify potential obstacles before unnecessary time is spent.
Start the conversationTell us what you’re planning.
Whether you have an identified property, a current loan to review or an early stage business plan, outline the essentials in the enquiry form below. From there, we can take the discussion forward.
- The property or proposed project
- Your approximate finance requirement
- Your preferred timeframe
Please do not include identity documents, passwords, bank statements or other sensitive financial information in your initial enquiry. Read our Privacy Policy.
General information only. Finance is subject to lender assessment, eligibility, applicable terms and approval. Property secured borrowing involves risk, including potential loss of the secured property if obligations are not met. No particular rate, approval or funding timeframe is guaranteed.