Finance question
How much can you borrow against your property for business?
It comes down to your equity. Property-backed business facilities scale up to the $5 to 6 million range, at single-digit rates with no financials on many deals, sized to the equity you hold rather than a fixed cap.
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The short answer
Your equity sets the ceiling
There is no flat maximum. What you can borrow is driven by the value of your property and how much of it you own outright. Larger equity supports a larger facility, up to the $5 to 6 million range that property-backed lending reaches.
The rate stays low because real estate secures it. That security is why property-backed business lending sits at single-digit rates, closer to a home loan than to unsecured business debt, and why many deals settle without up-to-date financials.
Both commercial and residential property can be used. Some deals cross-secure more than one property to lift the borrowing capacity. The right structure depends on your equity, the purpose of the funds and your timeline.
What sets your limit
The inputs that size the facility.
Property value
The current market value of the security property.
Your equity
Value minus what you still owe; the real driver.
One or more properties
Cross-securing can lift your capacity.
Purpose and profile
What the funds are for, and the lender's comfort.
Why property-backed reaches so much higher
Secured by real estate
Property is strong security, so lenders extend far larger limits than unsecured lending.
Single-digit rates
That security is why the pricing lands in single digits, not double.
Light on paperwork
With the equity carrying the deal, many facilities need no financials.
A real example
A director owns a commercial unit worth $1.4m with a $400k loan, so about $1m in equity. That equity supports a facility well into seven figures at a single-digit rate, used to buy the neighbouring premises. Illustrative only, subject to valuation.
Common questions
Frequently asked questions
Is there a maximum I can borrow?
Facilities reach the $5 to 6 million range, but your own limit is set by your equity and the property, not a flat cap.
Can I use my home, not just commercial property?
Yes, residential and commercial property both work as security.
Do I need financials to borrow a large amount?
For many property-backed deals, no. The equity does the heavy lifting.
Can I borrow against more than one property?
Yes, cross-securing multiple properties can lift your borrowing capacity.