Commercial Loans
Technical architecture for commercial property finance across industrial, retail, hospitality, healthcare and office assets.
The Australian commercial property sector has undergone a fundamental shift toward specialised assets—healthcare, high-tech industrial, and luxury hospitality. At Barrett Capital Advisory, we provide the technical architecture required to finance these assets. We understand that a commercial loan is not a mortgage; it is a business partnership between the investor, the tenant, and the lender.
Structuring for Non-Recourse & Limited Liability
For the sophisticated investor, the primary goal of commercial finance is the ring-fencing of risk. We excel in sourcing Non-Recourse Debt, ensuring that the lender’s recourse is limited strictly to the property asset itself. This protects your personal estate and broader corporate holdings from market volatility.
WALE-Centric Financing
We negotiate terms based on your Weighted Average Lease Expiry. For assets with blue-chip tenants (Government, ASX-listed), we leverage the strength of the lease to secure higher LVRs and lower margins.
Capitalised Interest Structures
For value-add projects or stabilisation periods, we architect facilities that allow interest to be capitalised, preserving your cash flow during the critical early stages of an investment.
Development Finance: From DA to Exit
Navigating the transition from a Development Application (DA) to a finished product requires a lender that understands construction risk. We provide:
Stretch Senior Debt
Combining senior and mezzanine layers into a single, seamless facility to reduce equity requirements.
Gross Realisation Value (GRV) Lending
Securing finance based on the end value of the project, not just the cost of construction.
Pre-sale Flexibility
Leveraging our private bank networks to reduce or remove the pre-sale requirements typically demanded by the big four banks.
The Private Credit Advantage in Commercial
When institutional banks retreat from specific sectors (such as hospitality or fringe-suburb retail), our Private Credit channels step in. These boutique lenders focus on the story and the asset value rather than rigid algorithmic scoring, allowing for faster settlements and more creative funding solutions.
Enquire about Commercial Loans
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Our Other Services
Owner Occupied Home Loans
Bespoke home loans for high-net-worth individuals, navigating complex income streams and private wealth structures.
First Home Buyers
A safe and trustworthy introduction to the property market, with particular focus on our clients' children.
Investment Home Loans
Tax-effective frameworks and interest-only options that maximise cash flow and capital growth.
Business Finance & Working Capital
Business loans and working capital solutions that support operational scaling without compromising equity.
Asset & Equipment Finance
Tax-effective chattel mortgages and leasing structures for high-value acquisitions.
SMSF Lending
Structural expertise to leverage your superannuation for residential or commercial acquisition.
Private Credit Solutions
Access to non-bank institutional capital and private debt funds for time-sensitive acquisitions.
Private Bank & Advisory Integration
The specialist lending arm for your broader financial ecosystem.