Commercial finance for Australian businesses and investors.

What commercial finance covers

Commercial lending is a broad church. We commonly arrange finance for:

• Owner-occupier premises — buy the building your business operates from
• Commercial investment property — offices, retail, industrial and warehouses
• Fit-out and refurbishment finance
• Working capital and cash-flow facilities
• Refinancing of existing commercial debt onto sharper terms

How commercial lending differs from home loans

Commercial loans are assessed on the strength of the asset and the income it or your business generates, not just your personal salary. Terms are usually shorter than residential loans, deposits are typically larger, and pricing is often negotiated case by case rather than taken off a rate card. Documentation can include business financials, lease agreements and tenancy schedules alongside the usual identity and liability information.

Because policies vary so widely between lenders, knowing which lender suits which scenario is most of the battle — and that is exactly what a broker brings.

What lenders look for

Lenders generally want to see a clear picture of the property, the borrower and the exit. That means the property's location, condition and tenancy; your business's trading history and financials where relevant; and how the loan will be repaid or refinanced at the end of the term. Presenting that picture clearly is where well-prepared applications win.

How we help

We start with your objective — own your premises, invest, or unlock capital — then identify lenders whose appetite matches the deal. We package the application with the right financials and supporting documents, negotiate pricing and terms, and coordinate with your accountant and solicitor through to settlement. Any broker fee applicable to a commercial transaction is disclosed to you in writing before you proceed.

Because we also arrange residential, investment, asset and self-employed finance, we see your whole position rather than one transaction. That matters for business owners, where commercial premises, equipment and the family home often interact — a structure that works for one should never quietly undermine the others.