end-to-end commercial support
We provide comprehensive commercial lending solutions tailored to support businesses and investors in achieving their objectives.
Leveraging our expertise, we facilitate specialised financing for the acquisition, development, and management of commercial properties. Additionally, Vivid Commercial’s extensive consultancy, sales, and management services guide you throughout the property lifecycle, maximising returns and mitigating risks associated with your assets.
Office and Retail Spaces
Financing for purchasing or developing office buildings, retail spaces, and shopping centres.
Industrial Properties
Mixed-Use Buildings
Financing for properties combining commercial, retail, and residential components.
How Vivid Can Help
Owner Occupier Loans
We help you secure funding for a commercial property, offering stability for your business and the flexibility to develop the space to meet your operational needs.
Investment loans
Secure funding for commercial property investments to grow your portfolio and maximise returns.
Construction Loans
Secure construction and development loans of all sizes with Vivid Financial, sourcing and structuring financing through banks, private lenders, and alternative sources to meet your timeline and goals.
Working Capital & Cashflow Solutions
We assist businesses manage cash flow and working capital, including solutions for large manufacturers and importers such as Trade Finance, Debtor Finance, and Transport and Logistics Finance, all designed to streamline operations, free up cash flow, and support growth.
Preferred Equity & Mezzanine Finance
For businesses needing additional capital, we offer flexibility when senior debt falls short. These options can be structured as subordinated debt or equity, and are ideal for projects with complex funding needs, providing higher leverage to maximise opportunities.
Asset & Equipment Finance
Supporting businesses acquire the tools they need to operate and grow, whether it’s vehicles, machinery, or IT equipment, we arrange financing that works without impacting cash flow.
client testimonials
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Looking to buy, lease, or manage commercial property? Vivid Commercial helps maximise returns with expert strategy and seamless management.
Beyond Finance: Full Service Solutions
At Vivid, we provide end-to-end financial and property solutions. From strategic acquisitions and leasing to expert property management and sales, we help clients maximise returns, minimise risk and navigate every stage of the property journey.
Vivid Commercial is a leading independent property specialist, managing commercial, industrial, and retail assets across the Perth metro. With over 20 years of experience, our expert team delivers tailored strategies and seamless award-winning management to support long-term growth and investment success.
why partner with vivid commercial
Backed by industry-leading results and a proven track record, Vivid continues to set the benchmark for excellence across finance and property services.
Highly Experienced
Market Leaders
The Vivid group is one of WA’s largest independent agencies, achieving 12 times the market exposure over a typical agency and attracting a wider audience.
Great Testimonials
Consistently high levels of client satisfaction, evidenced by an average rating of 4.8 stars based on over 1,000 reviews from clients across the Vivid Property Holdings group platforms.
Dedicated Team
Our accessible and dedicated property management and client support teams consistently deliver exceptional service, ensuring prompt and effective support.
frequently asked questions
How do lenders determine eligibility for a commercial loan?
Lenders evaluate multiple factors when determining eligibility for a commercial loan, each of which plays a crucial role in assessing the level of risk associated with lending to your business. These factors typically include:
- Business Financials: Lenders review financial statements, including balance sheets and profit and loss statements, to gauge the business’s financial health and ability to generate revenue.
- Credit History: Both the business and owner’s credit history are considered. A strong credit score indicates financial responsibility, while a poor score may increase risk.
- Cash Flow: Consistent cash flow is critical for repayment. Lenders examine historical cash flow statements or projections to ensure your business can meet loan obligations.
- Loan Purpose: Lenders will want to understand the purpose of the loan, whether for purchasing property, expanding operations, or refinancing. A clear, strategic plan helps demonstrate business growth potential.
- Experience of the Business Owner: A track record of success in business, especially in the relevant industry, can improve your chances of approval.
- Collateral: Lenders may require collateral, such as real estate or equipment, to secure the loan. The value of this collateral assures lenders they can recover the loan if necessary.
At Vivid Financial, our finance brokers help navigate the commercial loan process. We work closely with multiple lenders to match your business with the best loan options, ensuring all required documentation is presented effectively. We also assist in identifying suitable lenders, negotiating favourable terms, and streamlining the application process, giving you the best chance for a successful approval.
What are the typical repayment terms for a commercial loan?
Repayment terms for commercial loans vary based on the loan type, lender, loan amount, and purpose. Generally, loan terms range from one to 25 years. Short-term loans, for purposes like working capital or equipment purchases, usually have terms of one to five years, while long-term loans, often used for property acquisitions or business expansion, can extend from 10 to 25 years.
Interest rates are typically fixed or variable. Fixed rates provide predictability, as the interest rate remains the same throughout the loan term. Variable rates can fluctuate with market conditions, offering lower initial rates but introducing potential for future payment changes.
Repayment schedules can be monthly, quarterly, or annual, and some loans may include interest-only periods in the early years, giving the borrower more flexibility.
Choosing the right repayment terms is vital to align with your business’s cash flow and financial goals. Our finance brokers are here to ensure the loan structure you select is tailored to your specific needs.
Can I use my commercial property as collateral for a loan?
Yes, commercial properties are commonly used as collateral to secure a commercial loan. By offering property as security, businesses may be able to access better loan terms, including lower interest rates and higher borrowing limits. This is because the property provides the lender with a level of security, ensuring that if the business is unable to repay the loan, the lender can claim the property to recover the outstanding amount.
However, while using property as collateral can be advantageous, it’s important to carefully consider the associated risks. If the loan is not repaid as agreed, the lender has the right to seize and sell the property to recover their funds. This could have significant financial and operational consequences for your business, especially if the property is a key asset.
To help you determine if using your commercial property as collateral is the right choice for your business, our team will guide you through the pros and cons. We’ll take into account all relevant factors, including your business’s current financial position and future projections, to ensure the loan structure and arrangements align with your long-term goals.
How does irregular cash flow impact my chances of securing a commercial loan, and how do lenders assess this?
Irregular or “lumpy” cash flow can affect your ability to secure a commercial loan, as lenders typically prefer businesses with consistent and predictable cash flow to ensure reliable loan repayment. However, lenders understand that some businesses, such as those in seasonal industries, may experience fluctuations in cash flow.
When assessing your application, lenders will closely examine your business’s overall financial health, including the average cash flow over time, the reasons behind any fluctuations, and your ability to manage periods of low cash flow. Demonstrating effective cash flow management strategies and a clear plan to address future variability can improve your chances of securing a loan. Additionally, providing collateral or offering a higher level of personal guarantee can help mitigate the risk for lenders.
What is the process for securing a commercial property loan through a finance broker?
Securing a commercial property loan through Vivid Financial involves a structured process designed to find the right loan for your business. Our team begins by assessing your business’s financial situation, reviewing financial statements, cash flow, and goals to understand your needs.
Next, we research a wide array of lenders and loan options, identifying the best solutions based on your objectives, such as interest rates, loan terms, and collateral requirements, before assisting in the preparation and submission of your loan application, ensuring all necessary documentation is accurate and complete.
Throughout the process, our finance broker negotiates terms with lenders on your behalf, working to secure the most favourable deal. We manage communications, keep you updated at every stage, and guide you through any hurdles that arise. Our services ensure you benefit from expert advice and streamlined support, making the process of securing a commercial loan effective and efficient.
