Commercial Property Finance
Commercial Property Finance tailored to your needs
Obtaining the right partner to provide you with commercial property finance can be the key to acquiring your own business premises or unlocking value in your currently owned commercial property.
What We Offer
As one of South Africa’s largest providers of finance to the SME market, Merchant West is uniquely positioned to offer tailored and flexible commercial property finance solutions to qualifying clients. Our commercial property finance options are designed for clients looking to purchase or refinance the premises from which they operate or plan to operate their businesses. Whether you are seeking to buy a commercial property or raise capital for alternative business investments, our commercial property finance solutions are among the most flexible available.
Who Can We Help?
There are typically two scenarios where our commercial property finance is utilized:
- Property Acquisition: Assist clients with the purchasing of the property they are leasing or plan to operate from, with a loan-to-value (LTV) up to 100% of the property’s value.
- Property Refinance / equity release: Clients have the opportunity to unlock the equity tied up in their existing properties, allowing them to access additional capital through refinancing. This process enables the release of funds from their commercial property, providing increased financial flexibility and the ability to pursue new investment opportunities or address other financial goals.
Your Financing Experience
- Expert Consultation: Engage with our specialists to assess your needs and discover the best financing options customised for you.
- Easy Application: Submit your property details, financial info, and supporting documents with ease for a hassle-free application experience.
- Clear Evaluation: Our team will carefully review your application and keep you updated every step of the way for full transparency.
- Fast Approval & Access: Enjoy a quick decision and a seamless process, from approval to receiving your funds without delays.
Commercial Property Finance Terms
Our commercial property finance solutions provide flexible and comprehensive funding options. Whether you are seeking to buy a commercial property or raise capital for alternative business investments, our commercial property finance solutions are among the most flexible available.
- Personalized Service: Our commercial property experts work closely with you to find the best funding solutions tailored to your needs, prioritising your success.
- Flexible Repayments: We offer customizable repayment plans, including escalations, bullet payments, and payment holidays, designed to align with your cash flow.
- Full Financing: Access loans covering up to 100% of your property’s value, reducing upfront costs compared to traditional low LTV options.
- Efficient Process: Enjoy a quick, streamlined application and approval process, ensuring timely access to funds when you need them most.
- Clear Communication: We keep you fully informed at every step, empowering you to make confident, well-informed decisions.
- Deposit Support: Our funding solutions can cover your deposit, easing your initial costs and improving cash flow management.
How do I find out more about Commercial Property Finance?
Simply complete our online enquiry form and one of our experts will be in touch.
Frequently Asked Questions
Yes, there is an option to extend the total payment period by an additional 60 months. However, this extension is subject to a 50% capital redemption within the initial 60-month period.
Merchant West offers to advance up to 75% of the value of an owner-occupied commercial property based on an independent valuation.
In addition to financing, clients can benefit from access to an approved panel of conveyancers, effectively reducing costs associated with bond registration for their commercial property transactions.
Our finance solutions are available for various types of commercial and industrial properties, including office buildings, retail spaces, warehouses, and manufacturing facilities.
Yes, clients can use the funds for other business investments or capital expenditures, provided the primary security is a commercial property.
Prepayment terms, including any potential penalties, will be outlined in the financing agreement. We offer flexible options to suit different client needs.
Clients will need to provide financial statements, property valuation reports, business plans, and other relevant documents to support their application.
Get in touch with us
Want answers to a pressing question about our Commercial Property Finance ? Fill in the form and we’ll get back to you shortly.
Finance for Commercial Finance
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