Construction Loans
in Geelong & Surf Coast
Renovating or fitting out a business premises requires a different type of lending than purchasing property.
Instead of a single settlement, construction finance releases funds progressively as the works are completed. Because builders, valuers and lenders rely on documentation at each stage, delays often occur when the funding process isn’t set up correctly from the start.
I help business owners arrange finance for commercial renovations and fit-outs so the project funding aligns with the build schedule and business operations.
How Commercial Construction
Finance Works
Construction and fit-out loans are paid in stages. The lender releases funds as agreed works are completed and confirmed.
Depending on the project, this may include:
structural renovations
internal fit-outs
equipment installation
staged improvement works
The lender assesses both the property and the business servicing the loan. Contracts, quotes, and valuation timing all affect approval and drawdowns.
My role is to coordinate with the lender and builder so funding is available when required and documentation is managed correctly.
Preparing for Approval
Commercial construction lending requires planning before works begin.
Lenders typically review:
building or fit-out contracts
project costs and quotes
council approvals (if required)
business financial position
Having this organised early helps avoid delays once the project starts.
Why Work With Me
Business owners don’t need another application form. They need clarity.
I specialise in complex income lending and work directly with your accountant to present your financial position properly. I also recommend lenders based on policy, not just rates, so the application fits your situation from the start.
I explain the options clearly so you understand what you’re committing to before you sign anything.
Planning a Renovation or Fit-Out?
Before committing to works, it helps to understand borrowing capacity and lender requirements.