In the commercial market, different lenders have different appetites as to what type of commercial lending they are looking for.

This appetite is constantly changing as the banks balance of different industries is changing all the time. One bank may be keen to finance rent rolls, while another may already have too many on their books.

Specialised industries include the following:-

Accomodation / Motels
Accountants
Aged Care
Caravan Parks
Childcare
Clubs
Dental
Financial Planners
Funeral Parlours
Hospitals
Legal Practices
Liqour Stores
Management Rights
Medical Practices
Newsagents
Pharmacies
Pubs
Rent Rolls (Real Estate)
Retirement Villages
Self Managed Super
Storage Facilities
Schools (independent)
Supermarkets (independent)
Taxi Plates
Vet Clinics

Below is a guide as to how the different banks have different appetites.

This type of lending is normally done on a full document basis.

One of the key principles in commercial finance is to try and walk in the correct door the first time around. Once the loan has been to a few different lenders a loan can be termed “shopped around”. Should it receive this status, even though it may be a perfectly good loan , a prospective lender may become weary.

If you are looking for guidance in regards to specialised lending, please call us. Remember, we wont charge you for our service, as we are paid by the lender.