Commercial lending operates under fundamentally different rules from residential finance — property types, valuation methods, income assessment, LVR limits and lender appetite vary widely. Whether you're buying premises, expanding a portfolio or refinancing existing commercial debt, we navigate the complexity and access the right lender for your specific situation.
Book a free consultationCommercial property loans — purchasing or refinancing retail, office, industrial, medical and mixed-use commercial property, owner-occupied or as investment.
Business lending — equipment finance, working capital, trade finance and business acquisition loans for SMEs requiring finance beyond standard residential products.
Development finance — construction and land financing for small-scale residential or commercial development projects, from pre-sales through to completion.
Every commercial lending scenario has different lender requirements, security types and assessment criteria. We match you to the right facility for your specific need.
Buying commercial real estate — retail shops, offices, warehouses, medical suites, childcare centres or mixed-use strata — either as an owner-occupier or investor. Commercial property lenders assess income, tenancy profile and property location differently from residential lenders.
Refinancing existing commercial property debt to a more competitive rate, releasing equity from commercial property for business purposes, or restructuring a facility whose term is expiring and needs renewal or replacement.
Short-term construction funding for residential or commercial development projects — typically small to medium scale (2–20 lots or units). Development finance is assessed on feasibility, pre-sales, builder credentials and exit strategy rather than standard serviceability.
Financing business-critical equipment, vehicles, plant and machinery through chattel mortgage, finance lease or hire purchase — preserving working capital while acquiring income-producing assets. We access a panel of asset finance lenders with competitive rates for SMEs.
Funding the purchase of a business — either goodwill-only or including business real property — where the security includes the trading business, its assets and potentially associated real property. Assessed on business cashflow, EBITDA and sector risk profile.
Short-term facilities to fund business operations, manage seasonal cashflow or bridge trade payment gaps — including overdrafts, invoice financing, debtor finance and letters of credit for import/export businesses.
Understanding these differences is why a specialist matters — commercial applications that go to the wrong lender, or are structured incorrectly, are declined or come back with worse terms.
Commercial applications require more preparation and more active management than residential loans. We invest that time upfront so the right lender sees the right application.
We review your financials, the property or asset being financed, your entity structure and the purpose of the lending — building a clear picture of what the application needs to demonstrate.
Commercial lenders have very specific appetites — sector preferences, property type limits, minimum loan sizes and LVR policies. We identify the lenders most likely to approve your application before lodging anything.
We prepare a comprehensive submission — financial statements, business plan (where required), property information, tenancy schedule and supporting documents — structured to pre-empt the lender's credit questions.
We manage the credit process — responding to lender queries, coordinating valuations, reviewing loan documents and ensuring settlement proceeds cleanly. Ongoing review as facility review periods approach.
Most residential brokers dabble in commercial lending. We've been placing commercial loans since 2018 — we know which lenders are active in which sectors, what their credit appetite looks like and how to structure an application to get it approved rather than declined.
A commercial application submitted to the wrong lender doesn't just get declined — it can affect your credit file and make the next lender less willing to look at it. We identify the right lender before lodging anything.
Commercial credit decisions are more discretionary than residential — a well-prepared submission with context, financials and a clear business narrative makes a material difference to outcome. We invest in preparation before submission.
Major bank appetite for commercial property is cyclical and increasingly policy-restricted. Non-bank commercial lenders — private credit funds and specialist lenders — often offer faster approvals, more flexibility and comparable rates. We have access to both channels.