Cashtech · commercial property
Property finance for businesses, not banks.
Buying your own premises, growing an investment portfolio, funding a development. Seven structures from owner-occupier loans through to construction and land banking. Commercial property lending is relationship-driven; we make the introductions.
What this category does
When commercial property fits.
Commercial property lending values relationships as much as numbers. Lenders consider tenant quality, lease structure, property type, and your business strength alongside the LVR maths.
We work with the major banks for vanilla owner-occupier deals and specialist non-banks for investment, refinance, development, and mixed-use scenarios where bank policy gets in the way.
The products
7 structures across this category.
Phase 1 covers one canonical sub-product per pillar in detail. The others have summary cards now and dedicated pages in the next phase. Reach out and we'll send the lender shortlist for any of them.
Sub-product · live
Owner-occupier purchase
Buying the premises your business operates from. Different criteria from pure investment commercial; better rates because risk is strategically aligned.
Learn moreSub-product · live
Commercial investment
Office, retail, industrial held for yield and growth. Higher rates than owner-occupier reflect tenant risk.
Learn moreSub-product · live
Commercial refinance
Rate-and-term refinance, equity release, or restructure. More lender-relationship-driven than residential.
Learn moreSub-product · live
Development finance
Land, soft costs, construction, sales. Funds the full development cycle. Almost always involves private credit alongside bank lending.
Learn moreSub-product · live
Construction finance
Progressive drawdown loans for commercial construction. Funds the build itself, drawn against verified progress.
Learn moreSub-product · live
Land banking
Specialist short-to-medium-term lending for developers acquiring land before development. Higher cost reflects carrying risk.
Learn moreSub-product · live
Mixed-use property
Retail with apartments above, office with ground-floor café. Lender appetite varies sharply by mix percentage.
Learn more
Lenders we work with
Across this category.
- Thinktank
- La Trobe Financial
- RedZed
- Pepper Money
- Liberty Commercial
- Bluestone
- Rate Money
- NAB Business
- CommBank Business
- Westpac Business
- Bank of Queensland
- Suncorp Business
Specific lender fit depends on your business profile. Lender accreditation varies; not every lender is available for every deal.
How we work
Four steps from brief to settlement.
- 01
Understand the situation
A 20-minute call to understand the use of funds, trading history, and timing. We pre-qualify against current lender appetite before anything goes to a lender.
- 02
Shortlist the lenders
Three to six lenders typically fit any given commercial scenario. We submit to the two with the strongest current rate and policy fit, not the entire panel.
- 03
Compare apples to apples
Approvals come back as term sheets with different fee structures. We translate them into effective annual cost so the comparison is honest.
- 04
Settle and review
Documentation signs electronically, funds settle to your operating account or the supplier. We follow up at 6 and 12 months to check the rate is still right.
Industries that use commercial property
Common industry fits.
- Industry page
Allied health & medical
Practice ownership, equipment-heavy, regulated environment, practitioner-driven income.
- Industry page
Hospitality & accommodation
Card-heavy revenue, seasonal swings, fitout-intensive operations, lease-driven model.
- Industry page
Tradies & construction
Project-based cashflow, equipment-heavy, ABN-led income. From first ute to fifth crew.
How introductions work. In Phase 1, Cashtech makes introductions between qualified business situations and the lenders best suited to fund them. We are a service offered by Trimorph Pty Ltd ABN 87 604 290 931. Information on this site is general in nature and does not take into account your objectives, financial situation, or needs.
Not sure which fits?
A 20-minute brief on the commercial property situation.
Tell us the shape of the deal and the timing. We'll come back with a lender shortlist or an honest signal that this isn't the right product yet.