At Ares Capital, we help business owners and investors in Singapore secure commercial property loans to purchase, refinance, or renovate offices, factories, and retail spaces. Whether you are planning to acquire your first business premises or restructure an existing loan, our advisors guide you through the entire process with clarity and support.
Commercial property loans are secured loans backed by the real estate itself. With loan amounts tied to property value and long repayment periods, they offer a cost-effective way to own, upgrade, or optimise your business location.
These loans can be used for a wide range of real estate-related business activities:
Acquire a retail shop, office space, or industrial unit to house your operations or as a long-term investment.
Lower your interest rate, extend your tenure, or switch lenders to access better terms.
Upgrade, expand, or rebuild your property to improve operational efficiency or increase rental value.
For example, a logistics company might purchase a warehouse with 90 percent financing and use internal funds for renovations. Ares Capital will help structure the purchase in line with lender expectations and your financial strategy.
To apply for a commercial property loan through Ares Capital, your business should meet the following criteria.
Your company should meet the following basic requirements:
You will need to prepare:
Our team will guide you through the full documentation process and advise you on any additional requirements specific to your selected bank.
Getting a commercial property loan through Ares Capital is smooth and structured.
Tell us your goals. Whether you are buying, refinancing, or upgrading a property, we will assess your needs and determine the right loan type and structure.
We help gather and prepare your company financials, property documents, and bank records for submission to our panel of lenders.
We coordinate with licensed valuers to determine the current market value of your target property. This value is essential in determining your maximum loan amount.
We present multiple loan packages with varying interest rates, tenure options, and processing fees. You select the offer that best suits your budget and business plan.
Once approved, the bank disburses funds either to the seller (for purchases) or to your previous lender (for refinancing). We coordinate with your lawyer or mortgage broker to ensure all steps are completed on time.
Ms. Chua, who runs a boutique fitness studio, wanted to purchase a commercial unit in a city fringe area. The property was valued at S$1.2 million. With Ares Capital’s help, she secured 85 percent financing from a leading bank at 3.4 percent per annum over 25 years. We also helped structure a small term loan to cover renovation works. The move allowed her to save on long-term rent and reinvest into her brand.
Commercial property loans involve large sums and long-term commitments. At Ares Capital, we take a responsible approach to help you make sustainable financial decisions. We:
We believe in transparent lending and long-term relationships built on trust and performance.
Depending on your goals, we may also recommend:
For general business expansion or asset purchases
For business owners unlocking value from private property
For operating expenses and cash flow needs
If you already own the property and need to upgrade it
Our consultants will evaluate your business profile and guide you to the best funding strategy.
Whether you are acquiring your first commercial space or refinancing an existing mortgage, Ares Capital is here to help you secure the right commercial property loan. We offer access to multiple lenders, clear advice, and full support from application to disbursement. Contact us online, by phone, or visit our office at 140 Paya Lebar Road #09-13 AZ @ Paya Lebar Singapore 409015. We are available Monday to Friday, 9 am to 5 pm.
Let us help you build your business on solid ground with smart, strategic property financing.
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