Commercial and industrial property is often the largest asset decision a business owner makes, whether you are buying premises to operate from or holding commercial property as an investment. The right loan structure can save years of cost. The wrong one quietly drains it. Kenny helps you review commercial and industrial property financing from about S$300,000 and above, for purchase, refinancing, or restructuring. This service is not for private residential home loans.
What Kenny helps with
There are three common reasons owners come to Kenny on commercial or industrial property. You may be buying a factory, shophouse, office, or warehouse to run the business from. You may want to refinance an existing commercial or industrial loan onto a better rate, tenure, or structure. Or you may be acquiring or refinancing a commercial asset as an investment holding.
Commercial and industrial only
Kenny reviews loans for factories, shophouses, offices, warehouses, and other commercial or industrial assets tied to a business or portfolio. Private residential home loans and condo financing are not covered here. If you own private residential property and need business funding from equity, Kenny reviews property-backed business funding separately.
What shapes how much you can borrow
The amount comes down to the property type, own use vs investment, your profile, any existing loans, and the lending limits in force. Illustrative bands are often up to about 90 percent for own use and about 70 percent for investment on commercial and industrial property.
When refinancing is worth it
Refinancing is only worth it if the new position is genuinely better once costs are counted. Kenny reviews your current loan honestly and tells you whether moving lender, rate, or structure would actually improve things, rather than just moving you for the sake of it.
What speeds it up
Details of the property, your latest loan statement, and your income or business financials help Kenny give you a sharper indicative figure. Tell him the property and the goal, and he will map the most realistic route.
Illustrative guidance only. Subject to eligibility, valuation, lender criteria, and approval. No guaranteed approval.