Commercial Property Finance · South Africa

Finance for every stage of the property lifecycle.

From acquisition and development through to bridging, equity release and mezzanine — we structure and arrange commercial property finance across South Africa. R5M to R500M+.

R5M+
Minimum transaction size
75%
Maximum LTV on acquisitions
5
Finance types available
0
Upfront fees. Ever.
Discuss your property deal View all solutions
Finance types

Every structure. One arranger.

We cover the full spectrum of commercial property finance — from straightforward acquisition loans to complex layered structures.

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Acquisition Finance
Senior debt for the purchase of income-producing commercial assets across all sectors.
R5M – R500M+
Loan size
R5M – R500M+
LTV
Up to 75%
Term
3 – 20 years
Repayment
Interest-only or amortising
What strengthens your application
  • Quality tenants with remaining lease terms (WALT of 3+ years preferred)
  • Strong DSCR — rental income comfortably servicing proposed debt
  • Experienced property investor or asset manager
  • Clear title, unencumbered or with refinanceable existing debt
Apply now
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Development Finance
Construction and development loans drawn in tranches as your project progresses.
R10M – R500M+
Loan size
R10M – R500M+
LTC / GDV
Up to 70% of GDV
Term
12 – 36 months
Drawdown
Progress-based tranches
What strengthens your application
  • Pre-sales or pre-leases already in place
  • Approved building plans and relevant permits
  • Appointed contractor with proven track record
  • Developer equity contribution of 30%+
  • Quantity surveyor report and cost plan available
Apply now
⚡
Bridging Finance
Short-term property-backed capital for time-sensitive transactions — as fast as 5 business days.
R1M – R100M
Loan size
R1M – R100M
LTV
Up to 70%
Term
1 – 18 months
Speed
From 5 business days
Common use cases
  • Purchasing before an existing property has sold
  • Funding a purchase while long-term finance is being arranged
  • Auction purchases requiring rapid completion
  • Light refurbishment prior to refinance or sale
  • Chain breaks and time-critical transactions
Apply now
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Equity Release & Refinance
Unlock capital from existing property to redeploy, reduce financing costs or restructure your portfolio.
R2M – R200M
Loan size
R2M – R200M
LTV
Up to 70%
Term
Up to 20 years
Security
Commercial property
Common reasons to release equity
  • Fund a new acquisition without selling existing assets
  • Reduce the cost of existing expensive or short-term debt
  • Release capital for business operations or growth
  • Restructure a portfolio or consolidate the debt stack
Apply now
🏛️
Mezzanine Finance
Subordinated debt sitting between senior lending and equity — reducing the equity requirement on large deals.
R5M – R200M
Loan size
R5M – R200M
Position
Second charge / subordinated
Term
1 – 5 years
Combined LTV
65% – 85%
Best suited for
  • Investors reducing equity contribution on acquisitions
  • Developers topping up senior debt on construction projects
  • Capital stack optimisation on large or complex transactions
  • JV structures requiring layered funding
Discuss your structure
Capital stack structuring

We don't just find debt.
We optimise the whole stack.

Most brokers find you a loan. We design the most efficient capital structure for your transaction — layering senior debt, mezzanine and equity in the right proportions to maximise your return and minimise your equity requirement.

Example: R100M acquisition
Equity — 20% (R20M)
Investor's own capital contribution. Minimised through optimal leverage structuring.
Mezzanine — 15% (R15M)
Subordinated debt filling the gap between senior lending and equity. Higher cost, but reduces equity requirement significantly.
Senior debt — 65% (R65M)
First charge mortgage from bank or institutional lender. Lowest cost of capital in the stack.
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Structure before sourcing
We design the optimal capital structure before approaching funders — which means better terms and a higher probability of approval.
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Right funder for each layer
Senior debt, mezzanine and equity have different funder profiles. We have relationships across all three — and we know who to approach for each.
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One point of contact
We manage the entire process — from structuring through to drawdown — across all layers of the capital stack simultaneously.
✅
Success-fee only
No upfront fees. No retainers. Our fee is paid on completion only — fully aligned with your outcome.
Eligibility

What funders look for.

Understanding what makes a bankable deal is half the work. We help you present your transaction in a way that maximises approval probability and pricing.

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Debt service coverage
Rental income should comfortably cover debt repayments. Most lenders require a DSCR of 1.25x or higher. We model this before going to market.
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Tenant quality
Creditworthy tenants with remaining lease terms significantly strengthen an application. Anchor tenants, national retailers and government lessees are viewed favourably.
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Clear title & documentation
Clean title, up-to-date rates and levies, and complete lease documentation are essential. We help you identify and resolve any issues before submission.
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Investor track record
Experience in property investment or development strengthens your application. First-time investors can still qualify — the strength of the asset and deal structure matters most.
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Equity contribution
Most senior lenders require 25–35% equity for commercial acquisitions. Mezzanine can reduce your own capital requirement — we structure this into the deal where possible.
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Asset location & condition
Primary and secondary nodes across South Africa are considered. Asset condition, age and capex requirements are factored into the lending decision and LTV offered.
Asset types

What we finance.

We cover the full spectrum of income-producing and development commercial property across South Africa.

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Retail & Shopping Centres
Strip malls, neighbourhood centres, convenience retail and larger regional centres with anchor tenants.
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Industrial & Warehousing
Logistics hubs, distribution centres, light industrial parks and manufacturing facilities.
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Office Blocks & Business Parks
Single and multi-tenanted office buildings, business parks and professional suites in commercial nodes.
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Mixed-Use Developments
Residential, retail and commercial combinations — particularly urban infill and regeneration projects.
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Sectional Title Bulk Purchases
Bulk acquisition of multiple sectional title units within a single scheme for investment or conversion.
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Distressed & Value-Add Assets
Underperforming, vacant or distressed commercial assets with a credible repositioning or improvement plan.
Ready to discuss your property deal?
Submit an application and one of our property finance specialists will be in touch within 1 business day. No upfront fees. Success-fee only.
Apply now View all solutions