The following is a guide to the types of commercial finance available through Joslan Securities

  • Property Purchase, including Retail, Commercial and Industrial
  • Financing of Specialised Assets, including Hotels and Registered Clubs
  • Property Development and Construction
  • Mezzanine Debt and Equity Funding
  • Refinance
  • Residential Finance (Business Purposes)
  • Cash Flow Lending

In addition, Joslan Securities has the capability to deliver clients advice on debt / equity structures in order to ensure that the finance package that currently exists within your commercial operation is the most effective. This may involve the development of a plan to consolidate / refinance borrowings to achieve maximum benefit, and we have the necessary experience in this area to ensure quality information is delivered in a timely manner.

Property Purchases

Provision of finance to assist with the purchase of Retail, Commercial and Industrial properties in most States of Australia with LVR’s varying depending on location and the nature of the asset to be acquired. As a guide, an LVR in the range of 66% - 75% would apply. In most cases, the borrower will need to demonstrate a history of profitability (usually 2-3 years) sufficient to meet servicing costs.

Financing of Specialised Assets

Includes Hotels and Registered Clubs, Child Care Centres, Kindergartens, etc. In all likelihood, Joslan Securities will be able to secure a lender from its database to finance ‘Specialised Assets’. Experience of the borrower is the key to success in this area and ‘start-up’ operations are unlikely to be successful in sourcing finance. LVR’s vary between the types of assets and generally will be in the range of 50%-75%.

Property Development & Construction

Joslan Securities can assist with property acquisition as a step towards development of the land. Provision of Construction Finance is generally based on either a percentage of the Gross Realisable Value of the completed development or against project ‘Hard Costs’. Equity required will vary between projects with Joslan Securities being able to assist with the provision of Mezzanine or Second Mortgage funding for quality projects where the equity component may be less than that required by the lender.

Mezzanine Debt & Equity Funding

There will be occasions where a borrower has contributed all available equity into a project / acquisition and finds that the LVR for that particular debt produces a shortfall. It may be a property development , a retail, commercial or industrial purchase or short term bridging finance. Whatever the requirement, Joslan Securities has the ability to raise Mezzanine or Second Mortgage finance for short to medium terms and can source Equity as required. Pricing of such finance is undertaken on a ‘case by case’ basis.


Perhaps the most common form of finance and usually occurs when the borrower has a falling out or is dissatisfied with their existing lender. Occasionally pricing is the same reason and in either case, Joslan Securities will source the most appropriate form of finance to take out the existing lender. Segregation of assets from one lender is also a major objective of our specialist lending team.

Cash Flow Lending

There will be occasions where business or company property assets are valued at less than the amount required to see the business operate effectively. This will require lending against cash flow and it is some times difficult for a borrower to locate a lender in this very specialised area. Joslan Securities are experience in packaging and presenting funding proposals that require such specialist involvement.


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