Tailored Finance for Complex Commercial Needs
Flexible lending built around your goals, timelines, and opportunities.
Commercial Lending
At Portica, we understand that no two businesses are the same, which is why our commercial lending solutions are built around flexibility, speed, and understanding. We work with business owners, developers, and investors to provide tailored finance options that support growth, manage cash flow, and unlock new opportunities.
Our lending philosophy combines institutional discipline with the agility of a private lender. We focus on real world outcomes rather than rigid frameworks, allowing us to deliver funding that aligns with your business objectives and timing.
Our Commercial Lending Solutions Include:
➤ Business Loans: Designed to support expansion, acquisitions, or working capital needs, with fast approvals and adaptable structures.
➤ Secured Commercial Property Loans: For purchasing, refinancing, or leveraging equity in commercial assets.
➤ SME Lending: Flexible finance to help small and medium-sized enterprises maintain momentum and seize opportunities.
➤ Cash Flow & Bridging Finance: Short-term lending solutions that provide liquidity during periods of transition or growth.
➤ Construction & Development Finance: Tailored facilities for residential, commercial, and mixed-use projects.
Supporting Australia’s Commercial Backbone
From established enterprises to emerging ventures, our mission is to provide capital that empowers Australian businesses to grow, innovate, and thrive. We lend to progress , not just projects, with our focus on 3 main business pillars:
Experience & Expertise
Backed by decades in private lending & institutional credit.
Structure & Efficiency
Responsive credit assessment and clear pathways to approval.
Partnership & Transparency
We work alongside borrowers, not against them.
Product Table
| COMMERCIAL BRIDGING LOAN | MEZZANINE LOAN | |
|---|---|---|
| MINIMUM LOAN AMOUNT | $500,000 | $250,000 |
| MAXIMUM LOAN AMOUNT | Up to $10,000,000 | Up to $5,000,000 |
| MINIMUM LOAN TERM | 3 months | 3 months |
| MAXIMUM LOAN TERM | Up to 24 months (Preferred 12 months) | Up to 24 months (Preferred 12 months) |
| LOAN PURPOSE |
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| ACCEPTABLE SECURITY |
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| ACCEPTABLE SECURITY LOCATION |
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| SECURITY POSITION |
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| ACCEPTABLE VALUERS | Only major Valuers | Only major Valuers |
| ACCEPTABLE VALUATION PURPOSES | Mortgage purposes including forced sale valuation | Mortgage purposes including forced sale valuation |
| MAXIMUM LOAN TO VALUE RATIO | Up to 75% | Up to 85% of the combined 1st & 2nd mortgage |
| INTEREST RATE TYPE | Fixed for the term | Fixed for the term |
| INTEREST CAPITALISED | Yes | Yes |
| INDICATIVE INTEREST RATE | Starting at 9.8% p.a. | Starting at 18.00% p.a. |
| ELIGIBLE BORROWING ENTITIES |
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ADDITIONAL INFORMATION
This website is operated by B. Moses Holdings PTY LTD and its affiliates on behalf of Portica Securities Pty Ltd (ACN 646 099 498). The information provided on this website is a general description of the services offered under Portica Securities and its affiliates only. It does not constitute advice, an invitation, a confirmation, an advertisement, an offer, or a solicitation to buy or sell any security or other financial products or services, credit or lending product, or to engage in any investment activity. Some products or services mentioned may only be suitable for some individuals and may only be available in some jurisdictions. All securities and financial products involve risks, and the past performance of any product described on this site is not a reliable indicator of future performance. Portica Securities Pty Ltd is a subsidiary of B. Moses Holdings Pty Ltd (ACN 649 654 482).
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