Industrial / Commercial Property Loan (New purchase/Refinancing/Cash-out)
Secure Flexible Business Property Loans for Your Growth
- Up to $5 million (Up to 120% LTV)
- 5 - 30 Years Tenure
- 1.70% - 2.20% Monthly Reducing Interest
- Get a business property loan. Explore tailored financing solutions for industrial and commercial property investments. Contact our advisory team today!
Key Features & Capabilities
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Finance Up to 120% of Your Property Value
Secure financing of up to 120% for owner-occupied commercial properties and up to 80% for investment properties, unlocking significant funding for business growth.
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Manageable Repayments Up to 30 Years
Enjoy extended repayment terms of up to 30 years, allowing you to better manage cash flow while keeping monthly commitments low.
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Low Interest Rates for Property-Backed Loans
Compared to unsecured business loans, property-backed financing typically offers lower interest rates, making it a more cost-effective borrowing option.
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Unlock Cash from Your Property's Equity
Through cash-out refinancing, businesses can tap into the equity of existing properties to access additional funds for expansion, investment, or operational needs.
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Secured additional Funding without Refinancing - Second Charge / Caveat Loans
A Second Charge Property Loan lets you obtain extra funding from another lender without restructuring your current mortgage, keeping your existing financing intact.
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Interest-Only Payment Options
Some property loans offer interest servicing loans, where borrowers pay only the interest amount periodically, reducing monthly obligations and preserving cash flow for other business activities.
Commercial Property & TDSR Calculator
Estimated Monthly Repayment
* Indicative assessment. Final approved quantum, interest rates, and facility terms are subject to formal bank underwriting and credit assessment.
What is LTV & TDSR for Commercial Property?
Learn how Loan-to-Value (LTV) limits, 120% bundled facilities, and the MAS 55% Total Debt Servicing Ratio (TDSR) framework determine your maximum commercial borrowing quantum. Check your borrowing eligibility with our interactive questionnaire.
Read the LTV & TDSR Guide & Assessment QuestionnaireProperty Classification in Singapore
Applies to non-residential properties governed by URA zoning: B1 (Light Industrial), B2 (General/Heavy Industrial), Hi-Tech Industrial, Commercial Offices, Retail Shophouses, and Commercial Strata Units. Unlike residential properties, commercial property purchases do not incur Additional Buyer's Stamp Duty (ABSD), though standard Buyer's Stamp Duty (BSD) and GST apply (if GST-registered).
Second Charge / Caveat Lending Mechanism
When a property has substantial unencumbered equity (Market Value - Outstanding 1st Mortgage = Usable Equity), a secondary institutional or private lender lodges a legal caveat and 2nd mortgage charge against the title at the Singapore Land Authority (SLA). This grants rapid liquidity (within 3–7 business days) without disturbing a low-rate existing 1st mortgage.
Interest-Only (Servicing) Structuring
During the interest-only period (typically 1 to 3 years), the monthly payment equals strictly (Principal * Annual Rate)/12, maximizing operational cash flow during business stabilization or property asset enhancement.
Ready to talk to us about a Commercial Property Loan?
You've come to the right team — connect with our SME specialists today.
- Customized Credit Structuring: Tailored facilities matched to your cash flow.
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- Rapid Review: Response within 1 business day.