Question 1

What is a commercial property warehouse facility?

Accepted Answer

A property warehouse facility is a single revolving line of credit that holds and funds multiple commercial or investment properties under one agreement, rather than a separate loan for each asset. Active investors, developers holding completed stock, and buyers who acquire and recycle assets use a warehouse to draw down as they buy, and repay as they sell or refinance, without arranging a new loan each time. The facility is secured against the pool of properties held, and the lender sets an ove…

Question 2

Who uses a property warehouse facility?

Accepted Answer

Warehouse facilities suit borrowers who transact regularly rather than hold a single asset for the long term. That includes developers warehousing completed, unsold residual stock, active commercial and residential investors building or churning a portfolio, buyers who acquire properties to reposition and sell, and aggregators assembling sites. If you are constantly setting up new individual loans, paying establishment fees each time, and waiting on separate approvals, a single warehouse line ca…

Question 3

How is a warehouse facility different from separate loans?

Accepted Answer

With separate loans, each property has its own application, valuation, approval, and set of fees, and adding a new asset means starting again. A warehouse facility approves you once against a pool and an overall limit, then lets you draw down against new acquisitions and repay as you sell, within agreed parameters. This means faster access to capital, one set of terms to manage, and the ability to move quickly when a deal appears. The trade-off is that warehouse facilities are usually provided b…

Question 4

How much can I borrow under a warehouse facility?

Accepted Answer

Warehouse facilities are sized to the pool of assets rather than a single loan to value ratio. The lender sets an overall facility limit and an advance rate against eligible properties, commonly 60% to 70% of value for standard commercial and residential stock, with lower rates for specialised or less liquid assets. Concentration limits usually apply, so no single property or asset type dominates the pool. The stronger and more liquid your assets, and the more experienced you are as a sponsor, t…

Question 5

What types of property can sit in a warehouse facility?

Accepted Answer

Eligible assets depend on the lender, but a warehouse can typically hold completed residential units, commercial offices, retail, and industrial property, and in some cases residual development stock and land. Lenders prefer liquid, readily saleable assets and apply lower advance rates or exclusions to specialised property such as childcare, service stations, or single-tenant assets with short leases. We structure the facility so your core stock is funded efficiently and any harder assets are pl…

Question 6

How quickly can I draw down to buy a new property?

Accepted Answer

That is the main advantage of a warehouse line. Once the facility is established and a new property meets the agreed eligibility and concentration rules, drawdown is far quicker than arranging a fresh loan, often days rather than weeks, since the credit assessment and terms are already in place. This lets you act on time-sensitive purchases and auctions with funding certainty. We set the eligibility criteria up front so you know exactly what will and will not qualify before you bid or exchange.

Question 7

Which lenders provide property warehouse facilities?

Accepted Answer

Warehouse and portfolio facilities are mostly provided by non-bank and private lenders rather than the major banks, because they require flexibility on asset mix, drawdown, and repayment that sits outside standard bank credit policy. Pricing reflects that flexibility, so a warehouse line usually carries a higher rate than a single bank commercial loan, offset by speed, certainty, and lower per-deal cost. We compare the non-bank and private funders active in this space and match the facility to y…

Question 8

Does RyRo charge fees for arranging a warehouse facility?

Accepted Answer

Warehouse and portfolio facilities are complex, structured transactions, and some carry a broker fee reflecting the work involved in packaging and negotiating them. Where a fee applies, we disclose it in writing before you proceed so you can weigh it against the value of the structure, the lender access, and the time and per-deal cost the facility saves you. For simpler facilities we are often paid by the lender. Either way, you always know the full cost before committing, with no hidden charges…

Question 9

Can I finance multiple commercial properties under one loan?

Accepted Answer

Yes. Commercial property portfolio finance, including warehouse facilities, is designed exactly for this. Instead of a separate loan per property, the lender approves an overall facility against a pool of assets and an advance rate, and you fund each property within it. This cuts per-deal fees and approval time and gives you clearer capacity for your next purchase. It suits investors and developers who transact regularly. Buyers holding a single long-term asset are usually better off with a stan…

Question 10

What is commercial property portfolio finance?

Accepted Answer

Commercial property portfolio finance is any structure that funds several commercial or investment properties together rather than one by one. A warehouse facility is the most flexible form, a revolving line you draw down and repay as you buy and sell. Other structures include a single term facility secured across the pool. The right approach depends on how often you transact, your asset mix, and your exit. We compare portfolio finance against separate loans and structure whichever gives you the…

Asset Type in Pool	Typical Advance Rate	Notes
Completed residential units	Up to 65% to 70%	Liquid, readily saleable stock
Standard commercial (metro)	Up to 65% to 70%	Leased office, retail, industrial
Residual development stock	Up to 60% to 70%	Titled, completed unsold units
Specialised commercial	Lower, deal by deal	Childcare, service stations, single tenant
Land and non-income assets	Lower or excluded	Depends on lender and pool mix

Commercial Property Portfolio and Warehouse Finance in Sydney, One Line for Multiple Assets

Book Your Free Warehouse Facility Assessment

One Facility Instead of a Dozen Separate Loans

How a Property Warehouse Facility Works

Who a Warehouse Facility Is For

Developers holding residual stock

Active commercial and residential investors

Portfolio holders consolidating debt

Financing Multiple Commercial Properties

How Warehouse Facilities Are Sized

Want One Facility for Your Whole Portfolio?

Why Portfolio Investors Choose RyRo

We know the non-bank and private warehouse market

We structure eligibility to fit how you trade

We weigh flexibility against cost

Clear on every cost

Commercial Property Warehouse FAQs

Ready to Fund Your Portfolio Under One Line?

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