We know that upgrading your space can feel both exciting and daunting. You want clear answers, fair rates, and a path that keeps your business running while you improve what matters most.
At Property Equity Loan, we help you unlock equity to fund fit-outs, upgrades, and expansions with a renovation-focused facility tailored to your needs. In Singapore, banks often finance up to 80% of a site’s value, and some bundled plans cover up to 100% of upgrade costs when tied to a loan facility.
You’ll find simple explanations of rate choices — from fixed certainty to SORA-linked options — plus clear steps for application and disbursement. We outline who typically qualifies and how to strengthen your case, so you can get property value working harder without disruption.
Whatsapp us at to get latest deals and a tailored quote from Property Equity Loan today.
Key Takeaways
- We help businesses tap equity to fund upgrades with clear, measurable benefits.
- Singapore banks commonly finance up to 80% of a site’s value.
- Choose between fixed rates and SORA-pegged options explained in plain language.
- We walk you through application, documents, and timely disbursement steps.
- Promotions and subsidies can cut fees and reduce the total cost of borrowing.
Power your business with a renovation loan for commercial property in Singapore
Fast access to structured financing helps you transform space into a productive asset with minimal disruption.
Who this is for: SMEs and startups that need a practical path to upgrade offices, retail units, warehouses, or industrial (B1/B2) floors. We design packages that protect your working capital and keep operations running.
Our renovation bundles in Singapore can cover up to 100% of upgrade costs when paired with a mortgage. Choose between fixed-rate certainty or a SORA-pegged option to match your business risk preference and cash flow.
- We tailor drawdown schedules to your timeline and project period, whether phased or a single delivery.
- Bundles often include sustainable materials and fixtures, letting you upgrade lighting, HVAC, and layout without depleting working capital.
- Qualification focuses on operating history, revenue patterns, and the asset profile; we help you prepare the strongest case to the bank.
Compare packages and get a same-day consultation: Whatsapp us at to review offers and rates from Property Equity Loan, or explore our detailed options via commercial property loan.
Renovation loan for commercial property: What it covers and how it works
A clear financing structure helps you fund fixtures, sustainable upgrades, and staged fit-outs while preserving cash flow.
What the facility covers: You can channel funds toward fixtures, fittings, carpentry, electrical and data work, M&E, lighting, and sustainable upgrades like high-efficiency HVAC and solar-ready infrastructure.
Bundled structures often let banks cover up to 100% of eligible costs when the upgrade ties to an underlying mortgage. We map contractor invoices to staged drawdowns so payments match milestones and price protections.
Eligible assets and terms
- Typical assets: commercial offices, retail units, business parks, and industrial (B1/B2) sites.
- Interest options: fixed terms or 3-month SORA-linked floating rate packages to match cash flow preferences.
- We check valuation quirks on niche or older strata assets early to avoid surprises.
With Property Equity Loan, documentation, insurance alignment, and disbursement schedules are organised to speed approval and keep contractors paid on time.
Rates, tenure, and LTV: get property value working for your business
Understand how rates, tenure and LTV work together to unlock value from your asset and support growth.
Quick overview: Typical loan‑to‑valuation sits at 80%–90% of the lower of valuation or price. Owner‑occupied assets often attract higher LTV than investment units. We can structure higher effective financing by blending a mortgage with an unsecured business term facility when appropriate.
Rate choices and market context
You can pick fixed-rate stability or SORA-pegged floating packages that reference a transparent benchmark published the next business day.
| Feature | Typical range | Impact |
|---|---|---|
| LTV | 80%–90% | Higher upfront proceeds; depends on asset type |
| Interest guidance | 2.8%–3.2% p.a. | Models both fixed and floating outcomes |
| Tenure | 1–25 (some banks 30) years | Aligns with lease remaining and cash flow |
| Fees & savings | Processing, legal, valuation; promos up to 60% off | Reduces upfront cost and total interest |
Flexible repayment and fees
We design a flexible repayment period to balance monthly affordability and total interest. Tenure and covenants vary by bank and by business profile.
Next step: Send an application and we’ll model rates, fees, and repayment years so you can decide with confidence.
Eligibility and assessment for commercial property loans
We start with a clear assessment of your business and the asset so you know what to expect.
Underwriters look at both the business and the site. Banks review operating history, annual revenue, and cash flow to confirm capacity to service the loan. They also check the asset class, location, and remaining lease years.
Key factors banks consider:
- Operating track record, revenue trends and cash flow coverage.
- Whether the business occupies the asset — owner-occupied sites usually allow higher LTV than investment units.
- Holding structures: parent guarantees or TDSR may apply if an investment holding company borrows.
- Some niche assets need specialist appetite and can face extra conditions or exclusions.
We prepare management accounts and bank statements that show serviceability under conservative rate and interest assumptions. Then we match your profile to lenders with the right appetite.
With Property Equity Loan, you get a concise shortlist of banks, clear terms, and guidance on covenants so capital decisions are simple and durable.
Application to approval: a clear path from quote to cash
We guide your application from submission to disbursement with simple milestones and firm timelines.
Step-by-step: submit, endorse, review, and sign.
- Step 1: We prepare your application with essential documents and submit to the selected bank to speed review.
- Step 2: Guarantors get a digital prompt to endorse so your team keeps working without delay.
- Step 3: A relationship manager issues a conditional offer; we explain rate structure, repayment period, and fees in plain language.
- Step 4: Track status online while we coordinate valuations and align disbursement to contractor milestones.
- Step 5: On approval you review the final offer and sign; we confirm redemption timelines if you refinance existing loans.
Timelines and transparency
Floating facilities refresh to a SORA benchmark published the next business day, so interest updates are clear and timely.
If you choose to refinance, legal conveyancing usually takes 2–3 months. We request a repricing first; if rates stay high, we help switch to a more competitive bank.
Refinancing and repricing
We plan repayment options, including partial prepayment windows to protect your cash and capital over the years ahead.
Throughout, you get hands-on help and support: checklists, valuation coordination, and legal follow-through until funds land with your contractor.
Want a faster quote? Whatsapp us at to get the latest deals and tailored support from Property Equity Loan.
Conclusion
Act with clarity and control. We help you get property value working to lift tenant appeal, productivity, and long‑term resilience. Our packages balance fixed and SORA‑pegged rates, mapped tenure, and staged disbursements so costs and price milestones stay predictable.
Who benefits: SMEs and owners of office, retail, and commercial industrial property get tailored assessments, clear timelines, and support to preserve working capital while you upgrade capital assets.
Need a tailored commercial property loan or business property loan? Whatsapp us at to get a focused offer, a clear timeline, and proactive help from Property Equity Loan.
FAQ
Who is eligible for a renovation loan for commercial property?
Eligibility typically includes SMEs, startups, and growing enterprises with a verifiable operating history, stable revenue, and positive cash flow. Lenders also assess the property type—office, retail, warehouse, or industrial—and its valuation. Guarantors or corporate guarantees may be required for newer businesses or higher loan-to-value (LTV) requests.
What can I finance with this type of business property loan?
You can use the funds for fixtures, fittings, fit-outs, sustainable upgrades like energy-efficient systems, and general refurbishments to make the space tenant-ready or improve operations. The loan is meant to turn property value into working capital while preserving liquidity for your core business.
How much can I borrow and what is the typical LTV?
Loan-to-valuation guidance commonly ranges from 80% to 90% of property value. Some lenders offer structured options to exceed that range with additional security or guarantees. Final LTV depends on property condition, income evidence, and the lender’s assessment.
What interest rate options are available?
You can choose fixed-rate packages for predictable repayments or floating-rate packages pegged to SORA (or similar benchmarks) for potentially lower initial rates. Rates vary by bank, borrower profile, and market conditions; promotional offers may reduce fees or initial margins.
What repayment periods are offered?
Flexible repayment tenures commonly start from 1 year and can extend up to 25–30 years, subject to lease terms, asset life, and lender assessment. Shorter terms reduce interest costs but raise monthly payments; longer terms ease cash flow.
How long does the application-to-disbursement process take?
Typical timelines run from a few business days for initial quotes to several weeks for full approval, valuation, legal checks, and disbursement. Many lenders publish relevant rate benchmarks, such as SORA, next business day, and provide online tracking for transparency.
What fees should I expect during the process?
Expect processing fees, valuation and legal fees, and possible early repayment or repricing charges after any lock-in period. Some packages include promotional savings or subsidies on fees; always request a full fee schedule upfront.
Can I refinance or reprice the loan later to get a better rate?
Yes. After any lock-in period, you can explore refinancing with your current lender or a new bank to optimize interest costs. Repricing options and refinancing terms depend on market rates, your business performance, and any exit fees.
What documentation will banks require for assessment?
Lenders usually request financial statements, tax filings, bank statements, business profiles, tenancy or lease agreements, and property valuation reports. If a guarantor is involved, personal income documents and credit history are also needed.
How do interest calculations and repayments work for floating-rate packages?
Floating rates track a benchmark such as SORA plus a lender margin. Interest is recalculated at each reset period, which affects monthly repayments. Some borrowers choose interest-only periods or structured repayments to manage cash flow during fit-out phases.
Can proceeds be used as working capital during upgrades?
Yes. Many borrowers draw part of the facility as working capital to cover fit-out costs, supplier bills, and operational needs while the physical upgrades are completed. Your drawdown schedule and repayment terms are set in the facility agreement.
How do banks value commercial industrial property (B1/B2) for financing?
Valuations consider location, tenancy, lease length, rental income, land use zoning, and condition. Industrial classifications like B1/B2 have specific market metrics. Lenders rely on professional valuers and may offer tailored LTVs based on the outcome.
Are there packages tailored for SMEs with faster turnaround?
Yes. Some banks and specialist lenders offer SME packages with streamlined underwriting, next-business-day rate references, and faster decisions for well-documented cases. These often come with competitive fees and flexible repayment options.
How can I get a quote or start an application?
Contact your preferred bank or broker to request a quote. Provide property details, financial statements, and a brief scope of works. Many lenders allow WhatsApp or online submissions for faster initial offers and to share the latest rate packages.
