Commercial Property Finance

Commercial Property Finance
By partnering with Standard Bank we can build an understanding of your commercial property business requirements. We evaluate both you and your property to find the right solution to suit your specific financing requirements.


Investor Commercial Property Finance Solutions
Whether you’re investing in industrial or retail, office or specialised properties, our team of Commercial Property Specialists will help you grow the value of your property portfolio.

Owner-Occupied Commercial Property Finance Solutions
We’ll help you find the property that meets your needs and ensure you gain real value from your investment.

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How to apply

  • Already have a Business Current Account? Contact your account executive.
  • Complete the form below and a consultant will call you back.

  • Investor Commercial Property Finance

    When you are looking to invest in property

    At Standard Bank we take a holistic view of your property finance request and consider your total commercial property finance requirements. This means we are able to provide tailored solutions to suit your specific needs.

    Investor Commercial Property Finance may suit you:

    Whether you are a first-time commercial property purchaser or a sophisticated investor, our property specialists can assist you with:

    • Ideal locations suited to your particular criteria
    • Market trends and sale values
    • Factors influencing the appreciation or depreciation of value in an area
    • Tenant vacancy rates per area
    • The ideal tenant mix
    • Concerns such as contamination in the area
    • Suitability of existing and planned road networks and infrastructure
    • Information on electricity and rates


    Highlights

    Expert guidance for optimising your property investment

    When it comes to building or refurbishing commercial property, our team of property specialists is able to provide guidance on improvements that will add significant value to your property and those that will not.

    In some cases, our property specialists are also able to create linkages between banked clients who are selling commercial property and those that match a buyer’s specific criteria.

    Features and benefits

    • Capital and interest is serviced by direct monthly debits to your current account
    • There is no minimum loan amount for investor properties
    • The maximum loan amount is R 40 million
    • Capital repayments can be structured to meet your projected cash flow, allowing for certainty with cash-flow planning
    • Repayment instalments may be calculated on the basis of a one to ten year loan period
    • Access capability on additional capital repayments made over and above the arranged repayment subject to the notice period can be considered
    • No monthly fees


    FAQs

    What types of finance for commercial properties does Standard Bank offer?

    Standard bank provides property finance across a wide array of categories, including commercial property loans for:

    • Industrial plants
    • Retail premises
    • Offices
    • Factories
    • Warehouses
    • Workshops
    • Specialised properties

     

    What are the benefits of owning your own business premises?

    Through Standard Bank’s commercial property mortgage packages, you are able to own your own business premises, which allow you to:

    • Eliminate rental escalations
    • Establish business continuity by securing your business or trading location
    • Create a vehicle to create wealth through purchasing an appreciating asset
    • Split the asset from the business, enabling you to sell the business while maintaining ownership of the property and deriving an income from it

     

    What should I consider first before purchasing commercial property?

    If you are looking to purchase a commercial property, consider the following:

    • Is it the right time for your business to be purchasing commercial property?
    • Does the commercial property fit the current and future purposes of your business?
    • Are you making an emotional decision and over-capitalising on your asset?
    • Should your business grow, will the commercial property still meet your needs?

     

    How can Standard Bank assist you in making the right commercial property decision?

    Buying and financing the right commercial property requires considerable insight and expertise. Our team of Commercial Property Specialists can assist you by:

    • Offering guidance and knowledge from a base of extensive experience in the commercial property development sector
    • Providing you with information on market trends in areas that are appreciating in value, bucking the trends of a stagnant economy
    • Ensuring the commercial property you select meets your current and future expansion needs

     

    How to apply

    • Already have a Business Current Account? Contact your account executive.
    • Complete the form below and a consultant will call you back.

  • Owner-Occupied Commercial Property Finance

    When you are looking to buy property for your own use

     Through their extensive expertise, our Commercial Property Specialists will assist you in finding the ideal property to meet your needs. They will advise you on what you need to consider in order to make the right purchasing decisions, ultimately growing the value of your investment. Flexible payment structuring and access-facilities enable you to leverage your commercial property investment, making it work for you.

    Owner-Occupied Commercial Property Finance may suit you if:

    Whether you are a first-time commercial property purchaser or a sophisticated investor, our property specialists can assist you with insights on:

    • Ideal locations suited to your particular criteria
    • Market trends and sale values
    • Factors influencing the appreciation or depreciation of value in an area
    • Tenant vacancy rates per area
    • The ideal tenant mix
    • Concerns such as contamination in the area
    • Suitability of existing and planned road networks and infrastructure
    • Information on electricity and rates

     

    Highlights
    Leverage an access-facility
    An access-facility on your commercial property development finance provides you with flexible access to capital for cash flow, growth, financing equipment or other investments.

    In some cases, our property specialists are also able to create linkages between banked clients who are selling commercial property and those that match a buyer’s specific criteria.

    Features and benefits

    • Capital and interest is serviced by direct monthly debits to your current account
    • Capital repayments can be structured to meet your projected cash flow
    • Repayment instalments may be calculated on the basis of a one to ten year loan period
    • Access capability on additional capital repayments made over-and-above the arranged repayment subject to the notice period can be considered
    • There are no monthly fees


    FAQs

    What types of finance for commercial properties does Standard Bank offer?

    Standard Bank provides property finance across a wide array of categories, including commercial property loans for:

    • Industrial plants
    • Retail premises
    • Offices
    • Factories
    • Warehouses
    • Workshops
    • Specialised properties

     

    What are the benefits of owning your own business premises?

    Through Standard Bank’s commercial property mortgage packages, you are able to own your own business premises, which allow you to:

    • Eliminate rental escalations
    • Establish business continuity by securing your business or trading location
    • Create a vehicle to create wealth through purchasing an appreciating asset
    • Split the asset from the business, enabling you to sell the business while maintaining ownership of the property and deriving an income from it


    What should I consider before purchasing commercial property?

    If you are looking to purchase a commercial property, consider the following:

    • Is it the right time for your business to be purchasing commercial property?
    • Does the commercial property fit current and future purposes of your business?
    • Are you making an emotional decision and over-capitalising on your asset?
    • Should your business grow, will the commercial property still meet your needs?


    How can Standard Bank assist you in making the right commercial property decision?

    Buying and financing the right commercial property requires considerable insight and expertise. Our team of Commercial Property Specialists can assist you by:

    • Offering guidance and knowledge from a base of extensive experience in the commercial property development sector
    • Providing you with information on market trends in areas that are appreciating in value, bucking the trends of a stagnant economy
    • Ensuring the commercial property you select meets your current and future expansion needs


    How to apply

    • Already have a Business Current Account? Contact your account executive.
    • Complete the form below and a consultant will call you back.

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