Menu
Expand Your Business Prospects with a Commercial Property Loan Citic Management
By choosing Citic Management as your preferred partner to acquire a business property loan, we can support you to compete in the fast-paced real estate market by ensuring we secure your capital quickly. Don’t miss out on opportunities that you otherwise might do if you pursue the route of a traditional banking lender. We offer fast approvals and are highly experienced in complex applications. The Citic Management team specialises in taxation law, management and substantial property acquisition, meaning you’ll be in the best hands when you find your commercial real estate lender with us. Whether you need a short term loan for your small business or you’re interested in bridging finance options to progress your upcoming project, an Citic Management executive will be able to discuss your lending options with you.
Frequently Asked Questions
How do commercial loans work?
A commercial loan typically has a shorter repayment term than a personal residential mortgage. Usually, the terms will be set and a period of monthly repayments will be followed by a final balloon payment of the outstanding amount. Commercial property loan interest rates depend on the LTV ratio (also known as LVR). This varies depending on the type of property acquisition and where it’s located.
Can I qualify for a commercial real estate loan?
Depending on your individual circumstances and business proposition, you will be likely to be approved for a commercial property loan providing you have existing assets that can be secured as collateral. An Ctic Management team member will work with you to assess your eligibility for a commercial loan.
What does a commercial loan look like in practice?
To illustrate previous arrangements, we made on behalf of our clients, here are two case studies demonstrating our commercial loans in practice:
Case Study 1:
Loan Amount: AUD$800,000
Facility Requirement: Business working capital
Use & Structure: An established packaging business, based in NSW required a working capital loan. The business has been established for nearly 15 years and specialises in the industrial packaging sector.
Loan Term: 6 months
Key Ratios: Loan-to-Value Ratio (LVR) of 70% with interest serviced monthly
Recourse: First registered mortgage security over the residential property in Tennyson, NSW. First Ranking General Security Agreement over all the assets and undertakings of the Borrower. Share Mortgage over the Borrower. Directors’ and/or Personal Guarantees of the Borrower.
What is the typical term of a commercial real estate loan?
With Citic Management, our loan terms vary from three to 12 months. We would recommend speaking to an executive if you require a longer loan term.
How much can I borrow with a commercial property loan?
Our commercial loan amounts vary from between AUD$200,000 and AUD$3,000,000 depending on your individual circumstances and business proposition.
How can I contact the Citic Management team?
To discuss your commercial property finance options, you can contact the team by using our online enquiry form, calling us on 02 8592 1777 or emailing Citic Management at info@citicmanagement.com.au. To date, we have secured more than AUD$30 million for Australian businesses, helping to propel our economy and support investors. Find out how we can do the same for your business when you get in touch today.
Contact Us
-
Phone:
02 8592 1777 -
Email:
info@citicmanagement.com.au -
Address:
504/265 Castlereagh Street, Sydney NSW 2000
