Industrial / Commercial Property Loan (New purchase/Refinancing/Cash-out)
Secure Flexible Business Property Loans for Your Growth
- Up to $5 million (Up to 120% LTV)
- 5 - 30 Years Tenure
- 1.70% - 2.20% Monthly Reducing Interest
- Get a business property loan. Explore tailored financing solutions for industrial and commercial property investments. Contact our advisory team today!
Commercial Property Valuation
Up to 120% Total Financing Against Valuation
1st Mortgage Term Loan
Long-Term Property Financing
Working Capital Line
Revolving Operational Overdraft
Key features
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Finance Up to 120% of Your Property Value
Secure financing of up to 120% for owner-occupied commercial properties and up to 80% for investment properties, unlocking significant funding for business growth.
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Manageable Repayments Up to 30 Years
Enjoy extended repayment terms of up to 30 years, allowing you to better manage cash flow while keeping monthly commitments low.
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Low Interest Rates for Property-Backed Loans
Compared to unsecured business loans, property-backed financing typically offers lower interest rates, making it a more cost-effective borrowing option.
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Unlock Cash from Your Property's Equity
Through cash-out refinancing, businesses can tap into the equity of existing properties to access additional funds for expansion, investment, or operational needs.
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Secured additional Funding without Refinancing - Second Charge / Caveat Loans
A Second Charge Property Loan lets you obtain extra funding from another lender without restructuring your current mortgage, keeping your existing financing intact.
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Interest-Only Payment Options
Some property loans offer interest servicing loans, where borrowers pay only the interest amount periodically, reducing monthly obligations and preserving cash flow for other business activities.
Property Classification in Singapore
Applies to non-residential properties governed by URA zoning: B1 (Light Industrial), B2 (General/Heavy Industrial), Hi-Tech Industrial, Commercial Offices, Retail Shophouses, and Commercial Strata Units. Unlike residential properties, commercial property purchases do not incur Additional Buyer's Stamp Duty (ABSD), though standard Buyer's Stamp Duty (BSD) and GST apply (if GST-registered).
How 120% Loan-to-Value (LTV) Works
While standard bank mortgage guidelines cap commercial purchase LTV at 80%–90%, specialized SME banking packages bundle an 80% 1st Mortgage Property Loan with an additional 30%–40% Unsecured Working Capital Line, resulting in up to 110%–120% total financing against the purchase price/valuation to cover renovation, GST, and legal stamp duties.
Second Charge / Caveat Lending Mechanism
When a property has substantial unencumbered equity (Market Value - Outstanding 1st Mortgage = Usable Equity), a secondary institutional or private lender lodges a legal caveat and 2nd mortgage charge against the title at the Singapore Land Authority (SLA). This grants rapid liquidity (within 3–7 business days) without disturbing a low-rate existing 1st mortgage.
Interest-Only (Servicing) Structuring
During the interest-only period (typically 1 to 3 years), the monthly payment equals strictly (Principal * Annual Rate)/12, maximizing operational cash flow during business stabilization or property asset enhancement.
Ready to talk to us about a Commercial Property Loan?
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