Who it suits
- Business owners and company directors
- Property investors with commercial or industrial assets
- Self-employed borrowers with tax-minimised income
- Borrowers with complex ownership or cross-border assets
Asset-Backed Private Credit
Commercial Property Finance
Asset-backed commercial finance arranged for Australian business owners, company directors and property investors.
Commercial property finance lets you raise capital secured against commercial, industrial or retail real estate. Private Credit AI helps arrange asset-backed private credit solutions for borrowers whose circumstances make conventional bank finance slow or difficult — including self-employed applicants, complex ownership structures, and tax-effective income that does not fit standard serviceability models.
Security
- First mortgage over commercial, industrial or retail property
- Residential property may be considered as additional security
- Security position and loan-to-value ratio depend on asset quality and exit
Typical use cases
- Acquiring a commercial property
- Refinancing an existing facility
- Releasing equity for working capital
- Restructuring business debt
Documents you may need
- Current property valuation
- Certificate of title and any existing mortgage details
- Business financials and lease information
- A clear exit strategy (sale or refinance)
The enquiry process
Submit an enquiry
Tell us about your asset, requirement and timing.
Review & indicative options
We assess the security and outline indicative options.
Valuation & due diligence
The security is valued and due diligence completed.
Settlement
The facility is documented and settled.
Indicative only. Timing and terms depend on the asset, security and due diligence. See our rates page for general pricing guidance.
Frequently Asked Questions
What security is required for commercial property finance?
Funding is secured by a registered mortgage or caveat over real property. The security position (first or second mortgage) and loan-to-value ratio depend on the asset, the transaction and your exit strategy.
What documents will I need to provide?
Typically we ask for a current property valuation, certificate of title, details of any existing finance, and information that supports your exit strategy. We confirm the exact document list after reviewing your enquiry.
How quickly can commercial finance be arranged?
Timing depends on the asset, the security structure and how complete your documentation is. Private credit can often be arranged more quickly than conventional bank finance, but we provide an indicative timeframe only after reviewing your situation.
Is this suitable for self-employed borrowers or complex structures?
These solutions may suit business owners, company directors, property investors and self-employed borrowers whose circumstances make standard bank finance difficult — for example, complex ownership structures, tax-effective income, or cross-border assets.
Does Private Credit AI lend directly?
Private Credit AI helps arrange and connect borrowers with asset-backed private credit solutions. We are not a deposit-taking institution, and any facility is subject to the security, due diligence and terms agreed with the relevant capital provider.
What are the next steps to enquire?
Submit an enquiry via our contact page or start an application. We review your situation and outline indicative options before any valuation or due diligence begins.
These answers are general information only and do not constitute an offer of finance. See our disclaimer and FAQ page.
Related finance solutions
Explore other asset-backed private credit options for Australian borrowers.
Ready to discuss your requirement?
Submit an enquiry and we’ll review your asset and situation before outlining indicative options.