Commercial finance, on commercial terms.

Commercial loans work differently from residential loans. LVR caps are lower: typically 65 to 75% against commercial real estate, and lower again for specialised assets. Terms are shorter, commonly 3, 5 or 10 years, with a principal reduction schedule behind them. Interest Cover Ratio (ICR) often matters more than serviceability. Financial covenants, such as debt service coverage and loan-to-value triggers, are usually written into the facility. Lender appetite also varies widely by asset class, and CBD office is a different conversation from an industrial shed in the west.

So the breadth of a broker's panel matters even more than in residential. Hypercube works with major-bank commercial desks, second-tier banks with a stronger commercial appetite, non-bank specialists, and private capital for deals outside mainstream policy. For some commercial deals, the right lender is the only lender.