Poseidon Finance
Lending Criteria
The following maximum loan to valuation ratios (LVR) apply to any loans made:
Short Term Finance & Bridging Loans – LVR determined on application.
Please note our Development Finance and construction loans are not for credit code purposes. All loans require fixed assets as security.
Prime Commercial – Full Doc
From 6.30% per annum
Private Commercial – Full Doc
From 7.55% per annum
Development – No Pre-Sales
From 8.75% per annum
Mezzanine & Preferred Equity
From 13.50% per annum
November 2026 rate guide
Current Commercial Lending Rates
Indicative starting rates (per annum) across the full capital stack. Every deal is priced on its merits.
Prime Commercial Funding
Major lender & institutional capital for strong, well-documented deals
Commercial Property – Full Doc
Variable
- Up to 40% LVRfrom 6.30%
- Up to 60% LVRfrom 6.49%
- Up to 70% LVRfrom 6.75%
- Up to 80% LVRfrom 7.45%
Commercial Property – Full Doc
Fixed, up to 70% LVR
- 1-year fixedfrom 6.55%
- 3-year fixedfrom 6.50%
- 5-year fixedfrom 6.65%
Commercial Property – Lease Doc / Low Doc
Variable
- Up to 60% LVRfrom 6.80%
- Up to 65% LVRfrom 6.99%
- Up to 70% LVRfrom 7.40%
- Up to 80% LVRfrom 7.60%
Property Development – Full Doc
Up to 80% of TDC, capped at 65% of GRV
- Interest ratefrom 6.60%
- Line feefrom 1.50%
Prime pricing generally applies to facilities of $5 million and above. Rates and maximum LVR depend on location, facility size, asset type and the overall strength of the deal.
Private Lending Solutions
Flexible non-bank capital when speed and structure matter more than the bank box
Commercial Property – Full Doc
Set-and-forget, no annual reviews · Variable
- Up to 70% LVRfrom 7.55%
- Up to 80% LVRfrom 8.10%
Commercial Property – Full Doc
Fixed, up to 70% LVR
- 1-year fixedfrom 7.10%
- 3-year fixedfrom 7.05%
- 5-year fixedfrom 7.20%
SMSF Commercial Loans
Variable
- Up to 70% LVRfrom 7.15%
- Up to 80% LVRfrom 7.85%
Commercial Property – Lease Doc / Low Doc
Variable
- Up to 60% LVRfrom 7.50%
- Up to 65% LVRfrom 7.75%
- Up to 70% LVRfrom 8.15%
No Doc – Asset-Based Lending
Security-led assessment
- Ratesfrom 9.35%
Land Banking
Vacant and englobo land, up to 75% LVR
- Ratesfrom 7.95%
Residual Stock Loans
Unsold completed stock, up to 80% LVR
- Ratesfrom 8.49%
Private lending pricing and maximum LVR depend on location, facility size, asset type and the overall strength of the deal.
Development & Construction Capital
From site to completion – including deals with no pre-sales
Development Finance – No Pre-Sales Required
Senior debt, based on GRV
- Up to 60% of GRVfrom 8.75%
- Up to 65% of GRVfrom 8.80%
- Up to 70% of GRVfrom 8.85%
- Up to 75% of GRVfrom 8.95%
- Up to 80% of GRV (blended)from 12.99%
Stretched Senior Development
Up to 75% of GRV and up to 90% of TDC
- Interest ratefrom 8.99%
- Line feefrom 1.50%
Mezzanine Finance & Preferred Equity
Up to 80% of GRV and up to 90% of TDC
- Ratesfrom 13.50%
Development pricing and leverage depend on location, project size, asset type, builder and the overall strength of the deal.
Business Finance
Capital for operating businesses – growth, working capital and equipment
Secured Business Term Loans
Property or asset secured
- Full Docfrom 6.75%
- Low Docfrom 8.55%
Unsecured Business Term Loans
No property security required
- Full Docfrom 8.99%
- Low Docfrom 12.55%
Asset & Equipment Finance
Vehicles, plant and equipment
- Full Docfrom 10.35%
Business lending is available to business borrowers only. Pricing depends on facility size, asset type and the overall strength of the application.
Rates shown are indicative starting rates (per annum) as at November 2026 and are a guide only. They are not an offer of credit, a quote or a guarantee of approval or pricing. Final rates, fees, LVR and terms depend on the lender's assessment of your application, the security offered, location, loan size and the overall transaction. Lending criteria, fees and charges apply. Rates may change at any time without notice.
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Speak directly with our credit desk about your commercial loan.