Whether you are purchasing commercial property, funding business expansion or refinancing existing commercial debt, TNC Financial Services can help you navigate the commercial lending market. Business and commercial lending is assessed differently from residential mortgages — lenders look at business financials, cash flow, security and industry risk. We know which lenders are the most competitive and flexible for your type of business.
Then let’s help your business move forward.
Lenders look primarily at the business — its financial statements, cash flow, industry and the security offered — rather than just personal income. Loan terms are typically shorter, deposits larger and rates higher than residential lending, and each lender weighs these factors differently. We know which lenders suit which industries.
Commonly the commercial property being purchased, residential property you own, business assets, or a combination. The security offered affects the rate and the amount you can borrow — we help you structure it so you are not tying up more security than necessary.
Most lenders want to see around two years of financial statements, up-to-date management accounts, cash-flow forecasts, and details of the security offered. If you are buying a business, the vendor's financials will be needed too. We help you assemble the package so the application presents strongly.
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