Commercial Loan

Get the Loan Solutions You Need with KBRZ Business Lending, Commercial Property Loans, Constructions Loans and Development Finance

KBRZ Business Lending understands that SMEs must work extra hard to stay ahead in their industries. In many situations, SMEs need funds to sustain their business or achieve enormous business growth. However, without the support of track records, assets, or strong financials, it’s difficult for a small business in Australia to get funding from major banks. We want to provide a fast and flexible business loan alternative for SMEs 

With KBRZ, our clients get their funds in 3 simple steps. Our process is straightforward, where clients are able see what step they are in and what the next one is. We want to make sure that all client needs are met timely, thus with all required information ready, funding can be released within  24 hours

Purposes for different types of loans

Common loan

Commercial Property

  • Bridging

  • Purchase

  • Renovation

  • Equity Release

  • Working Capital

  • Residual Stock.

  • Development Site

  • Land purchase& cashout

Residential Property

  • Bridging

  • Renovation

  • Self employed

  • Fast funding

Non-bank Lending Development Loans

Q1. Why non-bank lenders instead of major banks that has better rates?

  • Property developers understand that flexibility is the deciding factor when going with a non-bank lender in project development funding. Lending criteria, tenure, and other conditions for instance drawdown schedule, drawdown conditions, etc are customized to projects.

Q2.What is pre-sales requirement?

  • Banks usually has a certain level of debt coverage by pre-sales requirement, at times can be 100% of debt level or more as loan drawdown condition. This can be challenging for certain projects especially during difficult times. Non-bank lenders however can be flexible, some require as low as 60% or even no pre-sales requirement, subject to pricing.

Q3. How much can non-bank fund a project?

  • There are various ways to look at this, either up to 70% of Total Development Cost (including soft cost and land cost) or 65% of As-if-complete net realisation. Net realisation would be the realized value net of GST and project marketing fee for instance agent fees.

Q4. How long does it take to obtain non-bank lending approval?

  • Subject to the scale of projects and availability of documents, it can be a few weeks for non-bank lenders to grant approval.

Q5. Any requirements on builders?

  • Yes, all lenders including banks and non-banks look at builder qualifications as a critical factor for the success of a project. Some factors lenders look at includes:

  • Builders'past project experience

  • Project manager resume

  • Pipeline projects in coming months/years

  • Cashflow of builders

  • Preferably past three years financial health

  • Past 12mth builder ATO portal record

  • Past 12mth banks record and Profit & Loss

Q6. Why developers need to have a QS Report? (Quantity Survey)

  • QS Report is essential and mandatory exercise to accurately gauge the cost of building. The QS report serves as an important benchmark or reference to builders' bids and contract. Lenders will usually require an independent QS report, and may appoint their own preferred QS provider to more accurately estimate the cost. The independent QS report is one of the ultimate guidance to loan amount.

Q7. Why developers need independent valuation report?

  • Just like QS report, an independent valuation report is critical for lenders to gauge how much to lender, to estimate the Gross Realized Value of the whole project. While QS gauges the cost of building, Valuation report gauges market elements that affect the value of the project, including the value of land and individual lots of the development.

Q8. Is independent Project Manager (PM) critical?

  • Yes. All lenders including banks and non-banks treat the experience of a project manager very critically. The function of a capable PM doesn't just ensure smooth progression of site and construction, they also effectively monitor cost control, and strictly adhere to the project building cycle. Ultimately, to avoid the blowout of cost and time that will cause a detrimental effect to the overall feasibility of the property development project.


Feel free to email or to discuss

Commercial Property Loans

KBRZ helps borrowers to navigate the complexity of applying for a commercial property loan, and avoid lenders’ traps of finding excuses to charge commercial property investors.

Commercial property loans are much more complicated than residential property loans (home loans), with numerous hidden clauses, fees and charges apply. 

We are among the Australia Top 10 Business Loans Writer, which gives you peace of mind when it comes to commercial property investments. 

Unsecured Business Loans

The burgeoning fintech lenders industry in the market is making choosing a helpful unsecured business lender a daunting task. Unsecured business lenders normally lend from $5,000 to $150,000 to operating businesses without having the need to mortgage your property, with a term up to two years.

Buying a Business and funding business startup

There at a number of different ways to access funding for entrepreneurs, both via debt and equity financing. 

KBRZ is able to source unsecured or secured (mortgages with property to maximise borrowing and reduce costs) business loans for aspiring entrepreneurs. 

We have helped Australian businesses acquire other businesses, and aspiring entrepreneurs kickstart their journey into starting a successful business. 

Private lender in Australia

Short term finance or private lending is a growth industry that has seen an increase in demand globally, and Australia is no exception. It is because of this demand that KBRZ Business Lending has become a leading provider of private finance loans and short term business loans in Australia. Whilst banks look at the debt-income ratio, serviceability, etc., private lenders generally are more interested in the asset, collateral of loan, purpose and exit strategy.

The company consistently delivers flexible solutions with best-in-market rates and swift and compliant loan processing. Brokers, Accountants & Financial Planners rely on our private short term finance solutions to assist their clients in bypassing cash flow issues, securing new equipment and financing expansions. We’ve helped numerous clients achieve their business goals while avoiding financial issues with ease. 

​With all of our short term loans offerings, clients are assured of the best and most secure financial assistance. We strive to deliver a seamless, reputable and beneficial loan experience for both borrower and referrer.

Flexible Short Term Business Loans

Our private business loans cater to a number of different financing needs. Our clients use our loans for:

  • Working capital (purchase stock, increase sales)

  • Expand current business

  • Business credit cards

  • Equipment acquisition

  • Maintenance or upgrade of existing systems or equipment

  • R&D or the purchase of IP

  • Acquisition of additional business

  • Starting up an additional business

  • ​Trade Finance

  • Purchase of premises

  • Refinancing

  • Equity release, reimburse owner’s funds

  • ATO liability

  • Employee wages & super

  • Payout business partners

Private loans can be in the form of a first mortgage or a second mortgage. Second mortgages generally mean higher risks, hence attracting higher costs.