Commercial lending is driven by income, risk and lender policy. We analyse the numbers first, then structure the deal accordingly.
Commercial lending is not residential lending at a larger scale. Decisions are based on lease quality, cashflow sustainability and lender appetite for the asset.
Most deals fail or get priced badly because key metrics like ICR, WALE and lender servicing thresholds are not assessed upfront. We start with the numbers before approaching a lender.
I specialise in commercial property finance.
My role is to assess deal viability, structure funding correctly and negotiate with lenders based on data, not assumptions.
FinanceWithVish exists to give investors clarity on their numbers before committing capital or entering lender discussions.
Before engaging a lender, we run each deal through a structured assessment.
This highlights viable leverage levels, expected cashflow and bank acceptance thresholds early.
A simplified version of that analysis is available below.
Input your figures to assess leverage, cashflow and lender viability.
Scenarios below illustrate how deposit levels impact cashflow and bank acceptance. Click a scenario to expand.
This analysis is indicative. To have this deal reviewed in detail, request a strategy assessment.
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We structure deals around current lender policy, asset risk and cashflow strength.
Contact us to map the funding approach. We provide a clear assessment of viability and borrowing capacity.