Commercial Finance Services
We specialize in helping business owners, investors, and developers secure commercial property finance that actually fits their goals. We work across banks and non-bank lenders to find funding for acquisitions, refinancing, refits, expansions, and everything in between — and we’re with you from that first conversation right through to settlement.
We Understand Commercial Property Finance
Financing a commercial property is a different game to financing a home. Lenders look at things like rental yield, lease terms, tenant strength, and the long-term viability of the asset — not just your income and credit score. Whether you're buying an office, retail space, industrial unit, or warehouse, the right finance structure can make or break the deal.
Types of Commercial Properties we help Finance
- Office buildings and business premises
- Retail shops and shopping centres
- Industrial units, warehouses, and storage facilities
- Mixed-use buildings (residential + commercial)
- Hospitality properties — cafés, restaurants, motels, and accommodation
- Medical and professional suites
- Rural and lifestyle commercial holdings
Why Choose Us
Whether it's owner-occupied premises for your own business or an investment property for your portfolio, we structure finance to suit the asset and the purpose.
Frequently Asked Questions - FAQ
Can I get commercial finance through a bank, or do I need a non-bank lender?
Both are options, and the right fit depends on your situation. Banks often suit straightforward, well-tenanted properties with strong financials, while non-bank lenders can offer more flexibility for complex deals or tighter timeframes. We help you weigh up both.
How long does commercial finance approval take?
Timeframes vary by lender and complexity, but with a well-prepared application, approvals can often come through in a matter of days rather than weeks.
Do I need a large deposit?
Generally yes — commercial lending typically requires more equity than residential lending. We'll talk you through what's realistic for your specific property and goals.
Can EMI help if my business is new or my financials are complex?
Yes. We regularly work with clients who don't fit a standard lending box, and we know which lenders are more likely to say yes to your situation.
Contact Experts Now
Let us introduce you to helpful experienced experts. We will set up meetings with a financial advisor who can offer you a huge range of Commercial Finance options specifically tailored to your needs. Contact Us Now!
Suite 5, 129 Great South Road, Papatoetoe, Auckland 2025
Monday – Sunday
09:00 / 19:00