Warehouse and factory construction finance

Ardent Capital Group brings the same method to every client: execution and strategy, clear advice for smart lending, and long-term growth. That means the right lender, structure and timing, straight advice so you borrow with confidence, and today's deal built toward where you want to be tomorrow. On industrial construction the exit decides the lender, and the civil works decide whether the budget holds. We work through both before the file goes anywhere.

It is sized against the completed value and against the cost to build, and the lender advances the lesser of the two. The majors publish no owner-occupier commercial LVR, so that share is assessed case by case. The cost ceiling reaches up to 80% at the majors and up to 85% at non-bank lenders.

No. A purchase is written against the property as it stands and assessed on standard commercial mortgage ratios. Construction is written against completed value and cost to build, through a different panel. Our warehouse and industrial property finance page covers buying, and we arrange both.

It widens the panel considerably and it lets the end value be capitalised off an agreed rent. It is not always required. Speculative industrial is a normal part of the market and it is funded on the depth of the occupier market, comparable letting evidence and a feasibility that holds if the building takes time to let.

Considerably. It fixes the cost to complete and puts one party in charge of both design and delivery, which removes most of the uncertainty a construction lender is pricing for. It is also what the quantity surveyor reports against at each drawdown. Projects procured with separate designers and trades are assessed more tightly.

They need to be identified and funded deliberately, because they are frequently priced outside the building contract. Levelling, piering, stormwater, service connections, hardstand and awnings are where industrial budgets most often move, and a geotechnical report before the feasibility is fixed is the practical protection.

That is the most common cause of an industrial cost increase and there is funding for it. A cost-to-complete facility can fund a shortfall mid-build, and our cost-to-complete and overrun finance page covers how that works. Getting geotechnical advice before the contract is signed is the better answer, and it is cheap by comparison.

Yes. Where the site has consent, the purchase and the construction can sit under one facility with one valuation and no refinance in between. Where consent has not issued, the land is usually funded first through a land acquisition facility and the construction funding follows once it does.

Usually not. Interest during construction is normally capitalised, meaning it is added to the facility rather than paid monthly, because the building produces no income while it is being built. That matters where you are still paying rent on existing premises.

The facility draws in stages as the work is completed, with a quantity surveyor certifying the work in place and the remaining cost to complete before each release. Slab, frame, lock up and practical completion are the common stages. Our progress payment and drawdown finance page covers the mechanics.

It depends on your intention. An owner occupier facility rolls into a term commercial mortgage serviced from trading income. A building held for lease is refinanced onto an investment facility once a tenant is in place. A building developed for sale is repaid from settlement.

Commonly 12 to 24 months. Industrial programmes are usually shorter than that once on site, but the term should allow for the approval and service connection period at the front and, where the building is speculative, for letting at the back.

Frequently because construction sits outside what that particular lender writes rather than because of anything in the project. Some lenders list construction as unacceptable security outright, even where they would fund the purchase of the same building once built. Construction runs through a different panel.

The development consent and construction certificate, the fixed price design and construct contract, your feasibility, the contract of sale or title for the site, details of your builder, a geotechnical report where one exists, and any agreement for lease. We can give you an indicative position from the contract and the consent alone.

Most of the time, no. Where a project requires significant preparation due to its complexity, a small mandate fee may apply, and we will always be upfront about this before any work begins.

Although we are based in Sydney, we service clients across all major Australian cities, including Melbourne, Perth, Brisbane, the Gold Coast, Adelaide, Canberra and Hobart, along with their surrounding regional areas. Wherever your project is located, we can arrange your finance.

Although our main speciality is property loans for business owners, we also assist with asset finance and working capital. On asset finance, that covers the plant and vehicles an industrial business runs, from forklifts and racking to trucks and production equipment. On working capital, we arrange business overdrafts, lines of credit and cash-flow funding to carry a business through a build and a relocation.

Yes. That is our core ethos, helping you understand the right strategy, structure and clear advice from the first conversation. Industrial is a good first build because the programme is well understood and a fixed price contract removes most of the uncertainty. We will walk you through what the contribution looks like, what the civil works need to allow for and how the drawdowns run, before you commit to anything.

No. Arranging finance and advising on financial products are two different disciplines, and we do the first. What we bring is the credit analysis lenders require, the structuring of the facility, and the strategy for putting your application in front of lenders whose appetite matches it.

Because we act as a credit representative under an Australian Credit Licence, we do not give financial product, superannuation, taxation or legal advice, and nothing we provide should be taken as such. Where your circumstances need that input, we are happy to work with your accountant, financial adviser and solicitor to understand the full picture before anything is submitted.

The information on this page is general in nature and does not take account of your objectives, financial situation or needs.