Commercial Lending

Commercial loans are a type of finance that can be taken out by individuals, partnerships, discretionary trusts, and other groups, on behalf of a business or company. These loans are used to fund commercial activities that can help grow and develop a business.

PW Commercial Lending.png


  • Construction loans enable a new home to be built through the duration of construction.

  • They are reflective of the time needed to build your home, and typically range from six months to a year.

  • Once you have secured a construction loan, your lender will pay your builder after each interval of work is completed.


  • Caveat Loans are fast settling loans which are structured just for a short term of 1 to 12 months. Unlike normal forms of finance, these loans need to be able to settle quickly…. generally within 72 hours from the time the application is first lodged.

  • The caveat loan allows you to immediately release valuable equity from your security property. Compared to bank loans, caveat loans are fast and easy approvals within 2 hours.

  • If you own a property in Australia and need fast approvals Platinum Wealth Mortgages can help, we are the specialists in caveat loans Australia wide so stop wasting time from going from one lender to the next. We have caveat loans to suit all situations and circumstances.


  • Commercial Property Refinance refers to a new loan taken out to replace an existing commercial property loan.

  • A refinance loan allows you to take advantage of better loan terms and lower interest rates.

  • Another thing you can do with commercial property refinancing is borrow cash against the equity of your business property.

  • If you have a large commercial property loan payment coming due and you don’t have the money, your best option is refinancing.

  • On the other hand, if your property has gained enough equity, you may opt for a cash-out. This money can be used to pay for repairs and improvements to your business property.



  • A bridge loan is a type of short-term loan, typically taken out for a period of 2 weeks to 1 year pending the arrangement of larger or longer-term financing.

  • A bridge loan is interim financing for an individual or business until permanent financing or the next stage of financing is obtained. Money from the new financing is generally used to “take out” (i.e. to pay back) the bridge loan, as well as other capitalsation needs.

  • Bridge loans are often used for commercial real estate purchases to quickly close on a property, retrieve real estate from foreclosure, or take advantage of a short-term opportunity in order to secure long-term financing.

  • Bridge loans on a property are typically paid back when the property is sold, refinanced with a traditional lender, the borrower’s creditworthiness improves, the property is improved or completed, or there is a specific improvement or change that allows a permanent or subsequent round of mortgage financing to occur.