Key Loans assists in developing your business. Our financial consultants are able to help you finance new business investments, expansions, acquisitions and also provide you with working capital.
Our experience, has provided us with the knowledge necessary to arrange and structure finance packages, most suited to you.
These may include:
Full Doc Commercial Loans
For those who are able to demonstrate serviceability via Financial Statements and Tax Returns, Key Loans is able to negotiate competitive rates based on a margin, above Bank Bill Rates (BBR), up to an LVR of approximately 75%. This type of loan can be secured against most security properties, whether it be residential, commercial, industrial or retail in nature. Locations throughout Australia and any loan size can be considered.
Lite Doc Commercial Loans
In cases where clients are unable to provide us with up to date Financial Statements and Tax Returns, we will be able to source Lite Doc Commerical Loans. This will be achieved, through institutional markets with major banks, as well as through the secondary market, via established relationships with various mortgage funds, private lenders and investors. An accountant’s letter and/or recent Business Activity Statements are usually required to support the client’s ability to service the loan. Alternatively, if the security property is able to generate sufficient rental income to service the debt, this may also be utilised to support the loan.
This type of loan can be secured against most security types and LVR’s of up to 75% can be achieved although an LVR of 65% is preferred. Loan amounts of up to $10,000,000 can be considered. Security property locations generally need to be capital cities or regional centres with a minimum population of 20,000 people.