Commercial property · Eindhoven & Brainport
Commercial property finance in Eindhoven
Purchase, expansion, or refinancing: we model your LTV, DSCR, and monthly repayments, and present your file to lenders genuinely active in South-East Brabant.
- Experience with commercial property across business parks in Eindhoven, Helmond, Veldhoven, and Best
- Dedicated adviser, no call centres
- Advice strictly limited to structures your business can genuinely sustain
- 60–80%
- Typical LTV on commercial property
- 1,25
- Minimum DSCR required by banks
- 2 working days
- To an initial substantive response
What challenges are you facing?
The bank will only finance part of it
On marketable commercial property, a bank typically lends up to 70% of market value. The remainder must come from equity, a subordinated loan, or a second-tier lender.
Valuations falling short of the purchase price
In a tight market, you may pay above the appraised value. That shortfall dictates how much equity you need to contribute — far better to know this upfront than during the finance contingency period.
Sustainability and Energy Label C come into play
Energy performance certificates and grid connections now influence bankability. Incorporating sustainability improvements into the initial application is generally cheaper than financing them separately later.
How we solve it
Full financing structure
Commercial mortgage, mezzanine/supplementary finance, and equity in one clear overview, including the impact on your monthly repayments and debt service burden.
Upfront modelling
We stress-test LTV and DSCR against your financial figures before submitting the application, ensuring you don't accumulate rejections.
Access to multiple lenders
Banks, property financiers, and non-bank lenders side by side, with a transparent comparison of interest rates, terms, and covenants.
How the application works
1. Share your plan
Property details, purchase price or valuation, current accounts, and target completion date.
2. Assessment and structuring
We calculate what is feasible and determine the optimal route.
3. Compare proposals
You receive tangible options clearly laying out interest rates, terms, and security requirements.
4. Completion with the notary
We monitor progress right through to execution at the civil-law notary.
Frequently asked questions
How much equity do I need for a commercial property?
Anticipate 20% to 40% of the market value, depending on marketability, rental cash flows, and the strength of your annual accounts. Supplementary finance can sometimes cover part of this gap.
Can I include sustainability retrofits in the finance?
Yes. Insulation, solar panels, and heat pumps can be included in the primary facility or arranged via a separate green finance facility, often on more favourable terms.
How quickly can commercial property finance be arranged?
With a complete file, six to ten weeks is realistic, including valuation and proposal stages. Waiting for the valuation report is typically the critical bottleneck.
Apply for commercial property finance
Complete the application form. You will receive a substantive response within two working days detailing the routes that are realistic in your situation.