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Commercial Finance Broker Sydney

Commercial finance for businesses that don't fit in boxes

From working capital to commercial property: one broker across your entire business

The more complex your business, the harder it is to find a broker who genuinely understands what you need. Multiple entities, cross-collateralised security, seasonal cash flows: these are not problems to work around. They are your business reality. We structure finance that works with it.

Banks assess your business differently. We know how.

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Commercial lending is not a bigger version of a home loan. Banks look at your business through a different lens: cash flow, security, entity structures, industry risk, and the viability of what you are proposing. How your situation is presented to a lender matters as much as the numbers themselves.

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The reality is: what you tell a bank, the bank cannot unhear. Providing information in the wrong order, over-sharing details that raise unnecessary questions, or presenting financials without context can slow your application, trigger additional scrutiny, or lead to a decline.

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We translate complex business situations into terms banks understand. We know what they need to see, how they assess risk across multiple entities, and how to structure proposals that get to the right decision-maker with the right information. That is the difference between months of back-and-forth and a clear path to approval.

Commercial Finance services

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Commercial property

Buying business premises, investing in commercial property, or refinancing an existing commercial facility. We understand how lenders assess commercial property differently to residential, including lease structures, tenant quality, and loan-to-value requirements.

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Business loans

Funding for business purchases, expansion, or operational needs. Whether you need secured or unsecured finance, we assess your business position and match you with lenders who understand your industry and structure.

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Working capital

Overdrafts, lines of credit, and cash flow facilities that keep your business operating smoothly. We help businesses secure the right working capital structure for their cash flow cycle, whether that is seasonal, project-based, or growth-driven.

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Debtor finance

Turn outstanding invoices into immediate cash flow without waiting 30, 60, or 90 days. Invoice finance and debtor finance solutions help businesses bridge the gap between delivering work and getting paid.

Commercial Finance Calculators

Our calculators give you a clear picture of what you can afford, your estimated repayments, and how much deposit you’ll need so you can move forward with confidence.

Explore Our Calculators

Here's what actually happens

The typical finance process from first conversation to settlement.

Discovery
Session

We discuss what you’re trying to achieve and your current financial position. No paperwork needed yet, just a conversation. It takes about 30 minutes.

Information Gathering

We work out what documents we need and explain why banks need them. You gather information while we assess your borrowing capacity.

Analysis & Recommendations

We analyse your position, present you with options that actually fit, and explain which lenders suit your situation and why.

Application
& Approval

We handle the paperwork, bank conversations, and keep you updated through each stage. You stay informed throughout.

Documentation
& Settlement

We coordinate with solicitors, manage the documentation process, and see your loan through to settlement. Usually 3-4 weeks from application to settlement, depending on complexity.

What clients say

Jonathan understood our complex business structure when others couldn’t. His commercial expertise made the difference.

Michael, Western Sydney

Commercial Property Loan

Jonathan understood our complex business structure when others couldn’t. His commercial expertise made the difference.

Michael, Western Sydney

Commercial Property Loan

Jonathan understood our complex business structure when others couldn’t. His commercial expertise made the difference.

Michael, Western Sydney

Commercial Property Loan

Jonathan understood our complex business structure when others couldn’t. His commercial expertise made the difference.

Michael, Western Sydney

Commercial Property Loan

Jonathan understood our complex business structure when others couldn’t. His commercial expertise made the difference.

Michael, Western Sydney

Commercial Property Loan

Jonathan understood our complex business structure when others couldn’t. His commercial expertise made the difference.

Michael, Western Sydney

Commercial Property Loan

Questions we get asked

Most of our clients are in Sydney metropolitan areas, particularly inner Sydney and Eastern suburbs, but we work throughout greater Sydney and nationally. Your location doesn’t limit whether we can help. It’s about whether your situation suits our expertise.

Yes, both residential investment properties and commercial property investments. We work with investors building property portfolios, SMSF trustees buying through super, and business owners acquiring commercial premises.

Yes. Refinancing home loans, commercial facilities, or restructuring existing debt across multiple properties. If you’re looking to reduce rates, consolidate loans, or access equity for other purposes, we can assess what makes sense for your situation.

That’s when talking to us makes most sense. Self-employed income, multiple entities, previous credit issues, SMSF structures, or situations that don’t fit neat categories are exactly the scenarios where broker expertise helps. We assess what’s genuinely possible and explain your realistic options.

This is where our expertise makes the biggest difference. We understand cross-collateralised security, how to present business cash flows, and what banks need to see from multiple entity structures. We translate complex business arrangements into formats banks understand and can assess properly.

Genuine commercial finance expertise. Most brokers focus on home loans and refer complex commercial work elsewhere. We handle it ourselves, from sole traders to businesses with $100 million facilities. If you’re a business owner who also needs personal finance, having one broker who understands both creates useful continuity.

Yes. We work Australia-wide. While most of our clients are in Sydney metropolitan areas, we serve clients throughout the country through phone and video conversations. Location doesn’t limit who we can help.

Sometimes, yes. Banks decline for specific reasons. If we can address what caused the decline or if a different lender has different criteria, we may have options. We’ll assess your situation honestly and tell you whether we think we can help.

Standard home loans typically take 3-4 weeks from application to settlement. Commercial loans and complex arrangements can take several months depending on the structure and what banks need to assess. We’ll give you realistic timeframes based on your specific situation.

In most cases, no. We receive commission from lenders when your loan settles, so our service is free for you. Occasionally for complex commercial arrangements or private lending, there may be fees, but we’ll explain these upfront before you commit to anything.