Welcome to TPC MONEY - The Perfect Choice.
Empowering Your Business Growth Through Tailored Financial Solutions
COMMERCIAL PROPERTY INVESTMENT LENDING
TPC Money understands that commercial property is important for you
and your business. That’s why we’ve simplified some of our lending criteria,
helping to unlock opportunities for clients who want to borrow less than
$1.5M for Commercial Property Investment
Monthly Repayment Calculator
| Months | Rental/m Ex | GST | Rental/m Inc | Rental/wk Ex |
|---|---|---|---|---|
| 24 | $0.00 | $0.00 | $0.00 | $0.00 |
| 36 | $0.00 | $0.00 | $0.00 | $0.00 |
| 48 | $0.00 | $0.00 | $0.00 | $0.00 |
| 60 | $0.00 | $0.00 | $0.00 | $0.00 |
Pricing is indicative only and is subject to application and credit assessment.
Services
THE GREAT BENEFITS FOR YOUR CLIENTS
Interest
Interest only terms of up to 5 years, providing you with cashflow flexibility during the initial stages of your Property Investment.
Equipment Financing
Reduced Interest Cover requirements making it easier for you to meet the necessary criteria to secure finance
Loan
Matched Loan Term to Lease term, reducing the potential risk or challenges associated with mismatched timeframes.
Working Capital Solutions
The ability to renegotiate any remaining Principal amounts at the end of the loan term. This reduces the burden of amortising debt while providing greater flexibility to align repayment options with your financial situation and investment strategy.
ARE YOU ELIGIBLE?
If you tick all the boxes, you could be eligible. Look at the list below and see if our simplified lending
criteria can help you achieve your financial goals.
- Total Business Borrowings with TPC Money are less than $1.5 million
- The purpose of the loan is to invest in a commercial property, then lease it to a third party
- 50% or more of the gross income used in the servicing calculation comes from the commercial property’s rent
- Maximum Loan Term is the lesser of 5 years, or the remaining term of the lease
- Loan to Valuation ratio of up to 65% on Standard Commercial Property security
SO YOU FIT THE BILL, WHAT’S NEXT?
if you are eligible and would like to take the next step, we will need to arrange the following
documentation:
- Application Form
- Formal Signed Lease agreement
- Tenancy Schedule
- Commercial Property Valuation
- Financial Statements (where relevant)
CONTACT US
Commercial Property Investment Finance can be complex, which is why we’re working hard to improve our processes. If you have any questions or want to know more, contact TPC Money.
Answers to Your Queries: Frequently Asked Questions
Clearing Doubts, Providing Clarity
Commercial loans, often referred to as business loans, can be used for funding a commercial property purchase, buying new equipment, increasing your working capital or funding other business activities
Commercial loans offer the lowest interest rates of all loan options, enabling business owners to access critical funding while maintaining lower overhead costs. The loans are long-term, often between 3 and 10 years, allowing you to pay the money back slowly as you work to increase business profits
Do you need money down (a deposit) for a business loan? No. A secured loan will require some form of collateral (property or other assets) but no money from you. An unsecured loan does not require any collateral, so there’s no money down (deposit) to get a business loan.
Key business loan requirements
- Financial statements, preferably prepared by an accountant.
- Proof of individual income.
- Bank statements.
- Identification.
- A few extra things if you’re a start-up business
The debt-to-income ratio measures the percentage of your monthly debt payments to your monthly gross income. The lower your DTI ratio is, the more likely it’s you’ll be approved for financing. Businesses should strive for a DTI ratio below 40%
Most banks offer their own commercial property loan products and have limited areas of specialty. If you’re purchasing a simple investment like a warehouse or an office, they’re likely to offer some of the most competitive rates in the market. However, they typically cap their LVR at 65% for commercial property.
If your business provides goods and services on credit terms, you’re likely dealing with a cash gap that is significantly slowing your growth — or it could even be causing you and your business financial stress.
Invoice Finance allows businesses to access cash as soon as you have issued an invoice to your customer rather than waiting the invoice terms of 30, 60 or even 90 days, you can access the funds straight away, as needed, before their customer has paid.
By accelerating cash flow you can reinvest the funds into other areas of your business, opening up the opportunity for business growth.
Be it higher stock levels for faster deliveries, more vehicles on the road or even more staff as cash flow now supports a higher overhead.
Its up to you how you use the positive cash flow you can achieve from invoice finance, it’s up to us to make it happen for you…
Important Information
The information in this brochure is a summary only and is designed to provide general information so
we can better assist you with your lending needs.
Terms and conditions, fees and charges, and credit approval and eligibility criteria apply to TPC
Money loans, including that the loan purpose and loan security are acceptable to TPC Money. You
should read the applicable terms and conditions (available on application) before acquiring a TPC
Money product.
Things you need to know
1. The applicant’s total credit facilities with TPC Money , including new loan funds as part of the application and any credit facilities held by related entities,
must be less than $1.5 million.
2. This policy does not apply if the property is, or is to be owner occupied.
3. Interest coverage ratio (ICR) = Net Passing Rent income / gross interest.
4. Maximum Loan Term is the lesser of 5 years, or the shortest remaining term of the lease (exclusive of options).
5. LVR 55% for Strip Retail or CBD Retail Assets (retail premises in major Central Business District areas or main predominant area of town
– where there is no anchor tenant)