Understanding the business behind the numbers matters. With more than 22 years of banking and finance experience across personal and business banking, Manish brings a strong understanding of lending and how applications are assessed while helping clients find solutions suited to their business.
Overview
Commercial lending is assessed differently to a standard home loan, with more weight placed on the property's use, the strength of your business, and the security offered. Lendwise Group works with business owners and investors across Melbourne to structure commercial finance that reflects how the business actually operates.
Manish's background in business banking means commercial applications are presented with the level of detail lenders expect, whether that's for a business purchasing its own premises, an investor acquiring a commercial asset, or a developer financing a project.
Commercial loans are typically assessed on the strength of the security and the business's ability to service the debt, and often come with different loan terms, rates and documentation requirements than residential lending.
Yes, commercial finance can often be arranged through a company or trust structure. The choice of structure is a legal and tax decision, so we recommend you get advice from your accountant or lawyer first. Once your structure is settled, we'll explain the lending options available for it.
Timeframes vary depending on the lender, the complexity of the deal and how quickly documentation is provided. We manage the process closely to avoid unnecessary delays.
Lendwise Group is usually paid a commission by the lender. For some commercial loans a broker fee may also apply. If a fee applies, we'll agree it with you in writing before we proceed. Details are in our Credit Guide.
All commercial finance is subject to the lender's approval, terms and conditions.
Send an enquiry
Share a few details for a complimentary, no-obligation lending consultation. Manish will be in touch, usually within one business day.
Manish Mishra, Director
22+ years in banking and finance, including more than a decade as a senior leader in banking. You'll speak with Manish directly.
Call 0408 987 547