Comprehensive Business Funding
Secure funding for commercial property and business expansion. Loans from $50,000 to $20 million with decisions in 24 hours.
At NWF Capital, we specialise in commercial loans for businesses and investors looking to expand or acquire commercial property. Whether you're purchasing an office building, retail space, or industrial property, we provide flexible financing solutions tailored to your commercial needs.
Funding up to $20 million for commercial ventures
Flexible lending criteria for business expansion
Quick approval process for time-sensitive deals
Tailored solutions for various commercial needs
Competitive rates and transparent fees
Professional and efficient service
Discuss your commercial funding needs
We evaluate your commercial property and business
Receive approval decision within 24 hours
Review and accept the loan terms
Fast settlement once approved
We provide commercial loans up to $20 million for major business ventures.
Our team understands commercial property and business financing needs.
We work with you to create financing solutions that fit your business goals.
We finance a wide range of commercial properties including office buildings, retail spaces, industrial properties, and mixed-use developments.
We provide commercial loans ranging from $50,000 to $20 million, depending on your specific needs and circumstances.
No, we work with businesses that may have less than perfect credit. We focus on the commercial property and your ability to service the loan.
We prioritise urgent settlements — once approved, funds settle fast so you can move quickly on commercial opportunities.
Structure
Commercial loans are secured by registered mortgage over office, retail, industrial, warehouse or mixed-use property. Facilities range from around $50,000 to $20 million and above, structured on interest-only terms from one to twenty-four months with interest capitalised where cash flow requires it.
Commercial security is assessed differently from residential. Tenancy profile, lease terms, WALE, the property's re-lettability and the depth of the market in that location all bear on the value we can lend against. A well-tenanted industrial asset in a tight market supports a different ratio to a vacant specialised premises.
We lend on purchase, refinance and equity release, and against owner-occupied premises as well as investment property.
Assessment
Our credit assessment turns on three things: the security property, the amount you need against it, and how the loan will be repaid. We form a view on the value of the asset, the position we would hold on title, and whether your exit — a sale, a refinance, or a defined cash event — is realistic within the term you are asking for.
What we do not do is run your application through a servicing calculator. Tax returns, BAS statements and credit scores are not the centre of the decision, which is why borrowers who are declined by banks for reasons that have nothing to do with the strength of the deal are often funded here. Impaired credit, outstanding ATO debt, recent business restructures and limited financials are all workable.
Applications are reviewed on the day they arrive by the people who write the loans. You will have a decision within 24 hours, terms disclosed in full before you commit, and one point of contact through to discharge.
Use Cases
Acquiring premises where a bank cannot meet the settlement date. Refinancing a facility that is expiring or under pressure. Releasing equity from an owned premises to fund business growth, equipment, stock or a tax liability. Funding a business acquisition secured against property.
Commercial borrowers commonly come to us because the timeframe or the servicing position does not suit a bank — a strong asset held by a business with a difficult recent trading year is a routine file here and a decline elsewhere.
Getting Started
A complete submission fits on a page. We need the security address and property type, your estimate of its value and the basis for it, any debt currently secured against it, the amount you are seeking, and a clear statement of how and when the loan repays.
Beyond that, a few sentences of honest context about the transaction helps more than a stack of documents. Anything adverse — defaults, arrears, tax debt, disputes — is far better disclosed at the outset than discovered at settlement. It rarely stops a deal; late discovery frequently does.
Supporting documents such as rates notices, payout figures, valuations, contracts of sale and, for development files, build contracts and cost plans, can be uploaded directly with your application to speed up assessment.
FAQ
Offices, retail premises, industrial and warehouse property, mixed-use buildings, and specialised assets considered case-by-case. Both tenanted investment property and owner-occupied premises are accepted.
Ratios depend on the asset, its tenancy profile and the depth of the local market. Well-located, re-lettable property in an active market supports a higher ratio than specialised or vacant premises.
No. Vacant commercial property is considered, though the loan-to-value ratio will generally be more conservative and the exit strategy carries more weight.
Yes. Funds can be used for working capital, tax liabilities, equipment, stock, acquisitions or expansion. The security is property; the purpose is your business.
Recent trading performance is context rather than the deciding factor. We assess the property and the exit, so a solid asset held by a business recovering from a poor year is a workable file.
You will have a decision within 24 hours. Settlement depends on the security and documentation, and urgent settlements are accommodated where the transaction requires it.
Related
Fill out our simple application form and we'll have a decision for you within 24 hours.