Secure versatile capital for any income-producing asset. Clopton Capital provides Australian investors and owner-occupiers with institutional-grade CRE loans to acquire, refinance, or develop commercial real estate nationwide.
In recent times, the Australian commercial landscape has become increasingly sophisticated. CRE loans (Commercial Real Estate loans) are debt instruments secured by non-residential properties such as offices, retail centres, industrial warehouses, or specialised assets like healthcare and childcare centres.
Unlike residential mortgages, CRE loans are primarily underwritten based on the property’s ability to generate income (Net Operating Income) rather than just the borrower’s personal salary. Whether you are looking for a small-balance loan for a suburban shopfront or a large-scale facility for a CBD tower, Clopton Capital matches your deal with the right capital source—from “Big Four” banks to global private credit funds.
In the current market landscape, Australian commercial real estate is highly regarded for its transparency and strong legal framework, making it a primary target for both domestic and foreign capital.
Inflation Protection: Many Australian commercial leases include annual “CPI-linked” or fixed percentage rent increases, ensuring your income grows alongside inflation.
Higher Yields: CRE assets typically offer higher net yields compared to residential investments, providing stronger cash-on-cash returns.
Corporate Tenants: Dealing with corporate entities often results in longer lease terms and professional property management, reducing the “hands-on” requirements for owners.
Portfolio Diversification: Adding CRE loans to your investment strategy reduces your exposure to the volatility of the residential housing market.
We provide a comprehensive suite of commercial financing solutions:
Acquisition Financing: Competitive LVRs for purchasing new assets across all sectors.
Refinance & Recapitalisation: Restructure existing debt to lower interest margins or consolidate multiple property loans.
Cash-Out Equity Release: Unlock equity from your stabilised portfolio to fund new acquisitions or business expansions.
Bridge & Transitional Capital: Short-term funding for “value-add” projects where you plan to renovate and re-lease a property.
Construction & Development Finance: Tailored facilities for ground-up builds, including mezzanine and preferred equity layers.
Lending for Australian CRE is based on the Debt Service Coverage Ratio (DSCR) and the quality of the underlying “Tenant Covenant.”
| Feature | Typical Australian Terms |
| Loan Amount | 1,000,000 AUD to 100,000,000+ AUD |
| Leverage (LVR) | Up to 65% – 75% (80% for high-quality owner-occupiers) |
| Term | 1 to 10+ years depending on the lender |
| Rates | Variable or Fixed; Margin over BBSW |
| Recourse | Available as Recourse or Non-Recourse |
To provide a reliable CRE term sheet within 24–72 hours, we generally require:
Property Summary: Address, asset type, and high-level description.
Rent Roll & WALE: Current occupancy and the Weighted Average Lease Expiry.
Financials: Trailing 12-month P&L showing gross income and operating outgoings.
Sponsor Bio: Brief overview of the borrowing entity and its real estate experience.
Leverage our institutional relationships to secure terms that match your investment horizon.
In the Australian market, “no money down” is rare for standard acquisitions. However, if you have existing equity in other properties, we can often structure a “cross-collateralised” loan that covers 100% of the purchase price plus costs.
interest-only periods of 2 to 5 years have become very common for investment CRE loans. This maximises your monthly cash flow, though many lenders will eventually require a transition to “Principal & Interest” (P&I).
The Bank Bill Swap Rate (BBSW) is the benchmark interest rate used in the Australian commercial market. Your total interest rate is usually expressed as “BBSW + Margin” (e.g., 4.20% + 2.50%).
For small to mid-sized loans, personal guarantees are standard. However, for stabilised assets with strong income and lower leverage, we can arrange Non-Recourse financing, which limits the lender’s security strictly to the property itself.
