- FLEXI-COMMERCIAL LOANS
Flexible Capital. Smart Terms. Built for Commercial Success.
A Joii Capital Flexi-Commercial Loan is a purpose-built financing solution for experienced commercial investors who need capital without the burden of ongoing principal repayments during the loan term.
This product is designed to offer financial flexibility, maximise cash flow, and align with your investment strategy—whether you’re developing, refinancing, or acquiring a commercial asset.
Why Choose a Flexi-Commercial Loan?
Flexible Commercial Loan Structure
A loan option for applicants requiring far greater flexibility in their loan requirements. Talk to one of our loan experts today to discover what we can do for you.
Tailored for Commercial Investors
Designed with the needs of property developers, business owners, and professional investors in mind.
Competitive Rates
Attractive interest rates based on risk profile and asset quality, helping you manage costs without compromising growth
- INTEREST RATES
Full Doc
LVR
Rates (*subject to change)
$100K ≤ $10,000,000+
*65%
*Enquire for latest rate
- FEES
Valuation fee
To Be Quoted
Annual Fee
$395.00
Application fee
$660.00
Settlement Fee
$395.00
Establishment fee (from)
2%
Risk Free Matrix
1%
Legal Fee + Govt Fees/Charges
from $1500
- LVR & Rates subject to change
- Valuation fee payable prior to valuation
- All fees are payable at settlement (Except valuation fee)
- LOANS DETAILS
- Max LVR 65%
- Max Single Borrower Exposure $10M+
- Corporate Borrower Only
- Self-Dec Only
- Easy Cash Out Policy
- Minimum Term – Variable – Please Enquire
- DOCUMENTS CHECKLIST
- Application Form
- Calculator Note no debt multiplier
- 100 Points ID
- Equifax Credit Report
- Water Rates, Council rates and Strata Levies as applicable
- Contract Of Sale or current Bank statements
- Self-employed income: last 2 individuals tax returns, last two notice of assessment, last two company financials and last 2 company tax return.
(Please note that if the ABN has been registered over 4 years, individual credit score over 699 points, the most recent years tax assessment & financials could be accepted)
- READY TO GET STARTED
Updated: June 2026