Commercial Lending & Construction Finance

Tailored funding for commercial property, business expansion and new construction projects.

Who We Help

Commercial and construction finance support for a wide range of business and property scenarios

Business owners

We assist business owners seeking funding for warehouses, offices, retail premises or other commercial property that supports their day to day operations and future growth.

Commercial property investors

We help investors access finance for commercial acquisitions and refinancing strategies across a range of asset types.

Developers and project owners

For new builds, developments and staged construction projects, we help source funding solutions structured around the project and its delivery requirements.

Clients with more complex lending needs

Where commercial structures, entity arrangements or project scenarios require a more tailored approach, we help identify lenders and solutions suited to the opportunity.

Commercial Property Lending

Commercial lending requires more than simply comparing rates. The right funding solution depends on the type of property, the purpose of the purchase, the strength of the business or investment position, and the intended long term strategy.

At Alora Finance, we help clients secure finance for a wide range of commercial property scenarios, including warehouses, office space, retail premises and other business related assets. Whether the property is owner occupied or held as an investment, we assess the scenario carefully and compare lending options that align with the client’s financial position, business objectives and time frame.

Construction Finance

Construction finance is a specialised form of lending that requires careful planning, clear documentation and a lender structure suited to the project. From new commercial builds to development scenarios and major property improvements, the funding arrangement needs to support each stage of the project while remaining practical and commercially sound.

At Alora Finance, we work with clients to understand the scope of the project, the proposed structure, the funding requirements and the broader financial context before identifying suitable lending pathways. Our role is to help manage the process clearly and efficiently so the finance structure supports the project from commencement through to completion.

Finance Solutions Tailored to Commercial Scenarios

Every commercial lending scenario is different. Some clients are seeking to acquire a strategic business premises.

Others are refinancing an existing commercial asset, expanding operations, or funding a new project. The structure of the loan should reflect not only the asset, but also the business model, income position, ownership structure and intended outcome.

At Alora Finance, we take a consultative approach to commercial lending.

We work with a broad lender panel and assess the scenario in detail so we can identify finance solutions that are practical, sustainable and aligned with the client’s objectives.

What We Help Assess

Commercial and construction finance decisions often involve multiple moving parts. We help clients assess the broader lending picture before moving forward.

Property type and lending purpose

We look at the nature of the asset or project and how the funding is intended to support the client’s broader objectives.

Business and financial position

We assess the borrower’s financial profile, trading position and overall lending readiness as part of the finance process.

Project scope and funding needs

For construction and development scenarios, we help consider the scale of the works, the timing and the funding structure required across the project life cycle.

Structure and strategy

As part of the broader Nationwide Financial group, we can support a more connected process where lending considerations may sit alongside business structure, taxation and longer term planning discussions.

Why choose Alora Finance?

At Alora Finance, we understand that commercial lending and construction finance often involve more complexity than standard residential lending. These scenarios require careful assessment, clear communication and finance structures that match the commercial reality of the opportunity.

As the lending division of Nationwide Financial, Alora Finance offers clients the added benefit of a broader financial services environment behind the lending process. That means lending can be considered in the context of wider accounting, taxation, structuring and financial planning discussions where relevant, helping create a more aligned and informed strategy.

Access to lenders experienced in commercial and construction finance.

A tailored and consultative approach to business and property lending.

Support across warehouses, offices, retail premises and new projects.

Clear guidance from enquiry through to application, approval and settlement.

A more connected experience through the broader Nationwide Financial group.

How the process works

Initial
discussion

We begin by understanding the property, project or business requirement, along with the broader commercial objective behind the finance.

Scenario
assessment

We review the lending structure, borrower position and any project specific requirements to determine suitable funding pathways.

Lender comparison and application

We identify lenders whose criteria and commercial appetite align with the scenario, then support the application process with a clear and structured approach.

Approval and settlement support

We manage the process through to approval and settlement, helping keep the transaction efficient, well coordinated and aligned with the intended outcome.

Need finance for a commercial property or new project?

Whether you are purchasing a warehouse, office or retail premises, refinancing an existing asset, or seeking funding for a new construction project, Alora Finance can help structure a lending solution tailored to your business and broader objectives.

FAQ

What types of property can commercial lending be used for?

Commercial lending may be used for a range of property types including warehouses, offices, retail premises and other business related assets.

Is construction finance different from standard commercial lending?

Yes. Construction finance is generally more specialised and often involves staged funding, additional documentation and a structure tailored to the project.

Do you help business owners as well as investors?

Yes. We work with business owners, commercial investors and clients involved in project or development scenarios.

Can you assist with more complex structures or scenarios?

Yes. We assess each scenario individually and help source lenders and structures suited to more complex commercial lending needs.

What is the benefit of working with Alora Finance as part of Nationwide Financial?

Because Alora Finance forms part of the broader Nationwide Financial group, clients can benefit from a more connected experience where lending may sit alongside accounting, taxation, structuring and wider financial planning support.

Do you only help with new borrowing?

No. We can also assist with refinancing and reviewing existing commercial lending arrangements where a more suitable structure may be available.

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a division of Nationwide Financial