Finance your next property investment.
Office, retail, industrial, or mixed-use — our commercial property loans are structured around lease income, tenant covenants, and long-term yield. Fixed 5% interest. Up to 20-year terms. Up to 70% LTV.
Commercial finance built for yield.
Commercial property is a different asset class to residential — and it deserves a different lending approach. We structure our commercial loans around the property's income-generating potential, not just the buyer's balance sheet.
Every loan carries the same promise as our other products: a fixed 5% interest rate for the entire term. No prime-rate exposure. No repricing risk. Certainty you can underwrite into your investment model.
- Loan amounts from R1 million up to R10 million
- Up to 70% loan-to-value on approved properties
- Terms up to 20 years, structured for long-hold strategies
- Consideration of tenant quality and lease terms
Four property classes.
We finance the full spectrum of commercial property assets in South Africa.
Office Space
Single-tenant, multi-tenant, or owner-occupied office properties.
Retail
Standalone stores, strip malls, and convenience centres.
Industrial
Warehouses, distribution centres, and manufacturing units.
Mixed-Use
Combined retail, office, and residential developments.
Benefits built for investors.
Three reasons sophisticated investors choose NEMM for commercial property.
Fixed 5% Interest
Underwrite your investment with a rate that never changes. No exposure to prime rate movements for the entire loan term.
Fast Approval
72-hour approval on most commercial property applications — so you can move quickly when the right asset appears.
Yield-Based Structuring
We assess properties on lease income and tenant quality — not just on your personal credit profile.
Do you qualify?
If you meet the criteria below, you're ready to apply. We assess the property and your financial profile together — because good commercial lending is about the deal, not just the borrower.
Start My Application- South African citizen or registered company
- 18 years or older (individuals)
- Valid SA ID or CIPC registration
- Signed offer to purchase
- Property income or lease agreements
- 6 months of bank statements
- Financial statements (last 2 years)
- Deposit of 30% – 40% of property value
Four steps from application to ownership.
Our commercial property process is streamlined for investors who move quickly.
Apply Online
Complete our online application and provide details of the property and your investment structure.
Upload Documents
Submit financials, lease agreements, property details, and offer to purchase through our secure portal.
Valuation & Approval
We arrange an independent property valuation and issue a formal approval within 72 hours.
Register & Own
We coordinate with conveyancers, register the bond, and complete the transfer.
Documents to have ready.
Having these prepared will speed up your application significantly.
Personal / CompanyFor all applicants
- Valid South African ID or passport
- Company registration (CIPC) if applicable
- Directors' IDs and proof of residence
- 6 months of bank statements
- Last 2 years of financial statements
- Latest management accounts
Property DocumentsFor the purchase
- Signed Offer to Purchase
- Copy of title deed
- Existing lease agreements
- Rates and levies statements
- Zoning certificate
- Property condition report
Frequently asked about commercial property.
Ready to expand your portfolio?
Apply online in minutes. Approval in 72 hours. Fixed 5% interest locked for the life of your commercial property loan.
Explore other products
Discover the full range of NEMM lending solutions.