Business Lending • SME Finance Solutions

Flexible lending
for Australian SMEs.

Fast, flexible financing solutions backed by real estate security. Supporting business growth across Australia.

Lending Criteria

Comprehensive lending solutions designed for established businesses with real estate security

Criteria Details
Type of Loan Loans to borrowers are primarily structured as pre-paid fixed interest rate
Security Loans secured by first mortgages or second mortgages over real estate
Purpose of loans Loans for established real estate. We do not provide development finance
Target location Greater suburban Sydney, Melbourne and Brisbane. May also lend to property in other areas of Australia
Loan to value ratio Each loan cannot exceed 70%-75% of the security value at time of application
Minimum loan amount $100,000, including prepaid interest if applicable, per security
Maximum loan amount $7 million, including prepaid interest if applicable, per security
Loan term Typically 3-12 months. The Manager may extend the term of the loan
Insurance Adequate insurance over the property to be mortgaged must be in place
Independent Valuations Valuations prepared by independent, qualified and registered valuer prior to advancing loan funds
Consumer Loans We will not provide loans regulated under the National Consumer Credit Protection Act 2009

No hidden agendas and hidden fees

Lending Case Studies

Scenario A - Business Cashflow

Closed
Borrowing amount: AUD 1,800,000
Collateral type: Commercial property
Location: Parramatta, NSW
Third-party valuation: AUD 66,000,000
Loan to Value Ratio: 29% (2nd Mortgage)
Loan term: 92 days

100% personal guarantee from company directors

Scenario B - Business Expansion

Closed
Borrowing amount: AUD 800,000
Collateral type: Residential property
Location: Chandler QLD
Third-party valuation: AUD 3,850,000
Loan to Value Ratio: 28% (1st Mortgage)
Loan term: 120 days

100% personal guarantee from company directors

Scenario C - New Business

Current
Borrowing amount: AUD 350,000
Collateral type: Residential property
Location: Sydney NSW
Third-party valuation: AUD 975,000
Loan to Value Ratio: 36% (1st Mortgage)
Loan term: 91 days

100% personal guarantee from company directors

Common Loan Purposes

Residential Property

  • Bridging finance
  • Property renovation
  • Self employed financing
  • Fast funding solutions

Commercial Property

  • Residual stock financing
  • Development site acquisition
  • Land purchase and cashout

General Business

  • Bridging - Buy before sold
  • Asset purchase
  • Equity release
  • Business renovation
  • Working capital

Sample Social Impact Investments

Examples of investments supported by SIA across various sectors and property types

Major Projects

Bella Vista 12 townhouses build-to-rent $4,140,000
Sydney CBD 37 apartments and commercial property $25,000,000
Peakhurst 9 townhouses residual stock financing $3,200,000
Dural house refinance business loan $5,000,000
Pymble house business loan cash out $4,000,000
Pinjarra commercial property refinance $4,935,000
Thomastown commercial industrial property refinance $4,550,000
Ravenhall commercial industrial property refinance $4,550,000

Community & Business

North Willoughby house business cash out $3,000,000
Newtown residential + commercial property $2,100,000
Cooper Plain petrol station purchase $1,650,000
Waterloo commercial property refinance $1,300,000
Homebush West commercial store purchase $1,100,000
Northbridge house business loan $1,085,000
Tempe commercial warehouse refinance $1,949,000
Waterloo commercial office refinance $720,000
Waterloo Dental consulting and Surgery Suite $660,000
Mascot commercial office loan $600,000
Riverstone 6 house land residual stock $580,000
Burwood two apartments business purpose $374,000
Varroville NSW land banking $300,000
Leichhardt Mixed use commercial office $300,000

Get Lending Support

Complete the form below and our lending specialists will contact you within 24 hours to discuss your financing needs.

Quick Lending Facts

Typical Loan Term

3-12 months

Loan Range

$100K - $7M

Primary Markets

Sydney, Melbourne, Brisbane

Maximum LVR

70-75%

Important Disclaimer: This website contains general information only and does not constitute personal financial advice. All lending is subject to credit assessment and approval. Interest rates, fees and charges apply. SIA (Social Investment Australia ltd) (ABN 30 127 962 976) is licensed under AFSL 339844.

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