How Melbourne Businesses Secure Warehouses and Offices Without Straining Cash Flow
Jimmy Le
For growing businesses in Melbourne, paying commercial rent is often one of the largest ongoing expenses on the profit-and-loss statement. Every lease renewal brings the risk of rent hikes, landlord disputes, or the inability to customize the premises for expanding operations.
Buying vs. Leasing: The 10-Year Equity Calculus
When you purchase your own commercial premises, your monthly mortgage repayments build direct balance sheet equity rather than funding a landlord's superannuation.
Understanding Commercial Lending Criteria
Unlike residential loans, commercial lending is bespoke. Lenders evaluate the viability of the business, debt service coverage ratio (DSCR), lease strength, and asset quality.
Commercial Loan Types Comparison
| Loan Type | Best For | Max LVR | Documentation |
|---|---|---|---|
| Full Doc Commercial | Established businesses with 2+ years financials | 70–80% | 2 years tax returns & financials |
| Lease Doc / Rent Cover | Commercial property investors where rent covers repayments | 65–70% | Lease agreement only |
| Low Doc / Alt Doc | Growing companies with strong recent revenue | 60–70% | 12 months BAS or accountant certificate |
Real-Life Case Study: Sunshine Logistics Operator
TNL Finance structured a 75% LVR commercial loan to purchase a modern 900sqm standalone warehouse for $2,100,000, with a 20-year term and 3-year interest-only period. Result: business owner added $520,000+ in equity within 24 months.
Compare 40+ Commercial Lenders with TNL Finance
Whether you are looking to purchase an industrial warehouse, refinance existing commercial facilities, or unlock working capital, TNL Finance provides expert commercial broking guidance.
Jimmy Le
Founder & Principal Broker(ACL/Rep: 544666)
Jimmy Le is the founder and principal mortgage broker at TNL Finance. With deep expertise in residential, commercial, and alt-doc lending, Jimmy has helped hundreds of Melbourne families and businesses achieve their finance goals.
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