Commercial Property Loans, Structured for Solutions.
From commercial property loans to asset and equipment finance — commonsense underwriting with indicative terms within 24 to 48 hours and funding in days.
What We Fund
Core Services Overview
Short-Term & Bridging Finance
3 – 24 Months
Rapid capital deployment options to secure fast auction acquisitions, cover settlement gaps, or unlock equity while a longer-term facility is arranged.
Long-Term Non-Bank Finance
Up to 20–30 Years
Alternative stabilization loan frameworks crafted for self-employed entities, trusts, and companies who fall outside standard bank servicing criteria.
Asset & Equipment Finance
Vehicles · Plant · Machinery
Up to 100% finance for new and used equipment, keeping your working capital and property free while you grow your operation.
Lending Parameters
Lending Parameter Guidelines
Bridge Settlement
- Target
- $500k – $15M+
- LVR
- Up to 75% LVR
- Settlement
- 72h Settlement
Land Banking
- Target
- $1M – $25M+
- LVR
- Up to 65% LVR
Build Apartments
- Target
- $2M – $50M+
- LVR
- 75% LVR / 85% LTC
Refinance Portfolios
- Target
- $500k – $10M+
- LVR
- Up to 70% LVR
Why Choose Us
Common Sense. Direct Access. Fast Funding.
Common-Sense Security Underwriting
Traditional banks reject viable files on rigid policy alone. We assess the security, the exit, and the story — not just a credit score algorithm.
Direct Credit Decision Channels
Your file goes straight to the people who approve it. No automated approval queues, no call centres, no waiting on a committee that meets once a month.
Fast, Flexible Funding Structures
Facilities are structured around your settlement timeline and exit strategy, not a one-size-fits-all product sheet.
Direct Access to Our Specialists
Speak directly with Kundan Singh and the credit team — a 24–48 hour response SLA on every enquiry, no matter the size of the deal.
Case Highlight
Auckland Central Residential Acquisition
$1,950,000
Settled in 36 hours
"When our bank rejected our application at the last minute, AML stepped in and settled our purchase in 36 hours. We wouldn't have secured the property without them."
— Michael R.
How It Works
The Submission Pathway
Parameter Configuration
Share your security, loan amount, and exit strategy so we can structure the right facility from the outset.
24–48 Hour Term Sheet
Kundan Singh and the credit team turn around an indicative term sheet within 24–48 hours of receiving your file.
Disbursal Execution
Once terms are accepted, our settlement team moves fast — funding in days, not months.
FAQs
Frequently Asked Questions
What interest metrics govern non-bank facilities?
Non-bank facilities are priced on the risk profile of the security and the exit strategy rather than a single published rate. Indicative pricing is provided in your term sheet within 24–48 hours so there are no surprises before you commit.
What specific asset classes are eligible?
We lend against commercial, industrial, and residential property (including land banking and apartment builds), as well as vehicles, plant, and machinery under our asset finance facilities.
Do you finance vehicles and equipment?
Yes. Our Asset & Equipment Finance facilities cover commercial vehicles, earthmoving and civil equipment, agricultural machinery, factory and manufacturing equipment, EVs, and specialist trade tools — up to 100% finance in many cases.
What if I need funding but don't want to use property as security?
Our Asset & Equipment Finance product is built for exactly this — funding secured against the asset itself, so your property and personal guarantees stay untouched.
Is AML Commercial only for property finance?
No. While commercial property lending is a core focus, we equally support businesses with asset and equipment finance, giving you a single point of contact for both property and equipment funding needs.
Ready to Structure Your Facility?
Verify our baseline operational constraints below before deploying your funding request details directly into our queue tracker lanes.
- The parameter transaction sizing tracks between $500,000 and $25,000,000+.
- The request lines are asset-backed by commercial property, land holdings, or business assets located inside New Zealand.
- Indicative term sheets are turned around within 24–48 hours of receiving your file.