Banks are generally not very fond of commercial lodges, mainly because the profits do not easily service large amounts of debt and lodge owners often struggle to prove their financials. Commercial lodges fall under the commercial division in banks, so a normal home loan is not possible. The application process for a commercial loan is far more onerous, requiring historical financials and a business plan. While the value may be underpinned by an asset, banks know that the ability to service debt may be problematic. The risk is higher for banks since poor business performance can lead to missed loan payments. From this perspective, banks will look for strong historical performance, a higher level of deposit, surety, and collateral for the loan amount.