Commercial Property Purchase
High-Access Property Maintenance Business
- Facility
- $670,000
The situation
After three successful years of trading, this specialised high-access property maintenance business had reached a critical growth juncture. Operating from the owner's home had become untenable - equipment and stock storage were overwhelming the domestic space, and the business needed a professional premises to support continued expansion. The business owner faced a strategic decision: commit to ongoing rental payments to a landlord or leverage the equity built in his home to acquire a commercial property.
The structure
Edgeview Finance structured a comprehensive $670,000 commercial property purchase facility that addressed both immediate operational needs and long-term strategic objectives. The finance solution utilised multiple security elements including the commercial property being purchased, supporting residential equity, corporate guarantee, and personal guarantees to achieve 100% finance with no cash deposit required while optimising the interest rate.
Read the process and outcome
Preparation and process
Edgeview Finance's systematic approach ensured smooth execution from initial consultation through to settlement in just 44 calendar days. As an existing residential client, comprehensive client information was already available, minimising documentation requests. The team conducted thorough borrowing capacity analysis, worked directly with the client's accountant, selected a major bank lender that could maximise borrowing capacity, and maintained consistent communication throughout to ensure timely settlement.
Outcome
The commercial property purchase delivered immediate operational transformation by successfully relocating all equipment and stock to professional premises, eliminating space constraints. Monthly loan repayments were structured lower than equivalent rental payments while building equity. The business established a professional presence, maintained its annual revenue capacity, and created additional income streams by subletting unused factory space to accelerate loan repayment.
- 100% finance with no deposit required
- Competitive commercial lending rate
- 25-year loan term
- Principal and interest repayments
Working with Edgeview Finance made what could have been a complex process surprisingly straightforward. They understood our business needs from day one and structured a solution that not only solved our immediate space problem but positioned us for long-term growth. The fact that our loan repayments are actually lower than what we would have paid in rent, while we're building equity in our own asset, made this decision easy. The team's professionalism and their existing relationship with our accountant meant minimal time requirements from us. We're now generating additional income by subletting part of the space, which is accelerating our loan repayment even further.
Business Owner