Scenario:

Self-employed applicant wanting to release equity against unencumbered home for a cash flow injection into his business.  Applicant had not done tax returns as yet, so needed to be assessed under a low doc basis.

Outcome:

The lender was able to verify income from 4 quarters BAS and 3 months trading statements. The applicant had clean credit history, and was considered on a Low Doc loan basis. Using home loan rates the lender was able to consider funding any business purpose under this product.

This loan used a residential property for business purposes.

Another way to improve cash flow on a commercial property may be to use capitalised interest so cash flow can be improved.