Commercial Property Advisory

Commercial property funding goes beyond yield and rates.

Independent credit advisory for commercial investors and owner-occupiers navigating lender policy, lease risk, and funding structure.

Who this is for?

This advisory is designed for:

  • Commercial property investors

  • Owner-occupiers purchasing or refinancing

  • Businesses acquiring premises via SMSF or trading entities

  • Investors assessing refinance, equity release, or restructure

  • Clients navigating short WALE, specialty assets, or policy-tight markets

Strong commercial property outcomes depend on decisions made well before settlement.

Common Scenarios We See

  • Refinancing a commercial asset with short or expiring leases

  • Purchasing with strong yield but tight lender appetite

  • Restructuring debt after a tenant change or vacancy

  • Releasing equity while maintaining refinance flexibility

  • Navigating bank pull-backs or non-bank pricing risk

What we actually advise on

We focus on the variables that lenders actually price and decline on:

  • Loan structure & entity alignment
    (trading entity, holding entity, trust structures)

  • WALE & lease profile assessment
    including tenant strength, lease expiry concentration, and rollover risk

  • Yield sustainability & cashflow durability
    beyond headline yield or valuation metrics

  • Lender risk appetite & policy fit
    bank vs non-bank vs private credit pathways

  • Exit & refinance risk
    assessed upfront, not after settlement

Why Factor?

Why clients engage us:

  • Independent, lender-agnostic advisory

  • Deep understanding of commercial credit policy

  • Clear articulation of risk before commitment

  • Access to bank, non-bank, and private funding pathways

Ready to assess your commercial funding options?

Request a structured assessment before engaging lenders.

Your financial situation and requirements will be considered prior to any offer or acceptance of a credit product.