Commercial finance with a commercial edge.

A commercial loan is not a residential loan with a different label. The LVR caps are lower (typically 65-75% against commercial real estate, lower again for specialised assets). The loan term is shorter — 3, 5, or 10 years is common, with a principal reduction schedule behind it. Interest Cover Ratio (ICR) often matters more than serviceability. Financial covenants (debt service coverage, loan-to-value triggers) are usually written into the facility. And the lender appetite varies massively by asset class — office in the CBD is a different conversation to an industrial shed in the west.

This means the broker's panel breadth matters even more than it does in residential. Hypercube works with major-bank commercial desks, second-tier banks with sharper commercial appetite, non-bank specialists, and private capital for deals that sit outside mainstream policy. The right lender for a commercial deal can be the only lender for that deal.