Unlock the trapped equity in your commercial property and redeploy capital without selling your asset. Clopton Capital provides Australian investors with high-proceeds equity takeout solutions to fund new acquisitions, business expansion, or portfolio optimisation.
In the Australian market, a Commercial Cash Out Refinance involves replacing your existing commercial mortgage with a new, larger loan. The “extra” amount—the difference between the old debt and the new loan—is paid out to you in cash at settlement.
Unlike traditional banks that often demand a specific “use of funds” or enforce strict “line of credit” restrictions, Clopton Capital works with non-bank and private lenders who offer greater flexibility. Whether you need the capital for a fresh acquisition, a value-add renovation, or to consolidate business debt, we focus on the Usable Equity in your asset.
For Australian property owners, the most common hurdle to growth is having capital tied up in a “lazy” asset. By cashing out, you can:
Fund New Acquisitions: Use the cash as a deposit for your next commercial purchase, bypassing the need for outside investors.
Renovate & Reposition: Inject capital into your property to modernise the space, attract higher-quality tenants, and increase your Weighted Average Lease Expiry (WALE).
Business Growth: Access lower-cost capital compared to unsecured business loans or equipment finance.
Tax Optimisation: In Australia, interest on the portion of the loan used for income-producing purposes (like buying another investment) is generally tax-deductible. (Always consult your tax professional regarding ATO guidelines).
Lending standards in Australia remain focused on the Debt Service Coverage Ratio (DSCR) and Loan-to-Value Ratio (LVR).
| Feature | Description |
| Loan Amount | 1,000,000 AUD to 50,000,000+ AUD |
| Max LVR | Up to 70%–75% (80% for high-quality BTR or medical assets) |
| Pricing | Variable or Fixed; Margin over BBSW or Swap Curve |
| Amortisation | Up to 30 years (Interest-Only periods available) |
| Recourse | Options for Full Recourse or Non-Recourse (subject to deal quality) |
| Timing | 24-72 hour initial feedback; 4–8 weeks to close |
To qualify for a high-leverage equity takeout in Australia, lenders typically look for:
Stable Cash Flow: A trailing 12-month (T-12) P&L showing consistent Net Operating Income (NOI).
Professional Management: Evidence the property is being maintained and managed effectively.
Tenant Strength: Strong lease agreements with reliable tenants (e.g., national retailers or established industrial firms).
No Liens: The property must have a clean title or clear path to discharging existing encumbrances.
Intake (15 mins): We discuss your property, the current debt, and how much cash you want to pull out.
Underwriting Snapshot: We sizing your deal against current BBSW rates and lender appetites.
Lender Matching: We present your deal to our network of bank and non-bank lenders.
Term Sheet Selection: You choose the offer that best balances interest rate with cash-out proceeds.
Settlement: We coordinate the valuation, legal, and final payout.
Talk to a specialist about unlocking your property’s value.
The cash received from a refinance is generally not considered “income” and is not taxed at the time of settlement. However, the interest deductibility depends on what you do with the money (e.g., using it for another investment vs. personal use).
In Australia, lenders usually cap your total debt at 70% or 80% of the property’s value. Your Usable Equity is the difference between that cap and your current loan balance.
Example: Property Value $2M. 75% LVR = $1.5M. Current Loan = $1M. Usable Equity = $500,000.
Yes. While “Big Four” banks are often conservative outside major CBDs, we have private and secondary lenders who specialise in regional industrial and retail assets.
Standard costs include a valuation fee, legal/documentation fees, and a success-based origination fee paid at closing.
