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.

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.

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.

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.

Whether your business involves seasonal cash flows, cross-collateralised security across multiple properties, syndicated lending arrangements, or partnership structures that do not fit neat categories, we have handled situations like yours before.

Which means:

Fewer surprises

Faster approvals

Smoother process

Commercial Finance services

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.

Learn more about commercial property loans

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.

Learn more about business loans

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.

Learn more about working capital

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.

Learn more about debtor financing

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 Streater is an outstanding mortgage broker. He helped me secure finance for an investment property and made the entire lending process smooth and stress-free. His knowledge of investment property finance, clear communication, and ability to deliver within tight timeframes was exceptional. I would highly recommend Jonathan to anyone looking for expert mortgage or investment lending advice.

Michael Reid

March 16th, 2026

I can’t speak highly enough of Jonathan and the incredible service he provided. From day one, he went above and beyond to make the entire process smooth, stress-free, and easy to understand. His knowledge, professionalism, and genuine commitment to helping us achieve the best outcome were clear at every step. His communication was outstanding, and nothing ever felt like too much trouble. We truly felt supported and confident knowing he was in our corner. We’re incredibly grateful and highly recommend Jonathan.

Jamie Kentwell

November 22nd, 2025

We had such a great experience with Jonathan from JEM Finance Group. Jonathan made the whole refinancing process so much easier than I expected, he took the time to really understand my situation and explain everything in simple terms.

Jonathan was always quick to reply and really went out of his way to find the best deal for us which made the whole process stress free. Jonathan explained everything clearly and kept us updated the whole time which in turn saved us $600 per month on our mortgage repayments.

Honestly couldn’t have asked for better service. If you need a mortgage broker who actually cares and makes things simple, JEM Finance Group is the way to go.

Kim Taylor

October 1st, 2025

Made life very easy and very helpful with any questions i had

Anthony Sfirse

September 24th, 2025

I would like to thank Jonathan at Jem Finance for the exceptional service and for going above and beyond to get us the outcome we desired.
Much appreciated.

Darren Vella

August 26th, 2025

We chose JEM after a friend’s recommendation, we found dealing with Jonathan very easy and always prompt to answer our queries. We are in the process of using JEM again now and could not be happier.

Jenene Johnson

July 7th, 2025

Things were handled for me, didn’t take much of my time as they did most of the work
Great service by Jonathan and the team, look forward to working with them again.

Nezar Hazim

March 31st, 2025

Great help, from beginning to end

Brendon Skinner

March 3rd, 2025

We recently chose to refinance both our home and investment loans, and we had the pleasure of working with JEM Finance Group. Jonathan took the time to thoroughly understand our needs and provided expert advice tailored to our situation. His extensive knowledge, skills, and experience were evident throughout the process, ensuring we secured our loans on the best possible terms. Jonathan was professional, efficient, and easy to work with. I highly recommend their services.

August 26th, 2024

Great service, professional, efficient, obtain best rates/deals, very transparent and informative. I will not hesitate to recommend JEM Finance Brokers to all my family, relatives and friends. Thank you Jonathan greatly appreciated.

Mark

August 9th, 2024

Questions we get asked

Ask Your Question

Can you help if my business has a complex structure — multiple entities, trusts, or cross-collateralised security?

Yes. Complex structures are exactly where broker expertise makes the biggest difference. We understand how banks assess risk across multiple entities, how to present cross-collateralised security, and how to structure proposals for syndicated arrangements or partnership structures. We translate your business reality into terms lenders understand.

Do you work with businesses of all sizes?

Yes. We work with sole traders through to businesses with facilities over $100 million. The expertise required scales with the complexity — and we handle it ourselves rather than referring commercial work out.

How is commercial lending different from a home loan?

Commercial lending involves a different risk assessment altogether. Banks look at your business cash flow, entity structure, industry risk, the security offered, and the viability of what you are proposing — not just your personal income and the property value. How your application is presented to a lender matters as much as the numbers themselves.

What if my business has seasonal cash flows or project-based revenue?

That is a normal business reality, not a problem. We structure finance that accounts for your actual trading patterns and find lenders who understand your industry and cash flow cycle. Seasonal or project-based businesses have specific needs, and the right lender and structure makes a significant difference.

What types of commercial finance do you handle?

We cover commercial property loans (owner-occupied and investment), business loans (expansion, acquisition, and operations), working capital facilities (overdrafts, lines of credit), and debtor finance (turning outstanding invoices into immediate cash flow).

Why does how I present my application matter so much?

What you tell a bank, the bank cannot unhear. Providing information in the wrong order, over-sharing details that raise unnecessary questions, or submitting financials without context can slow your application, trigger additional scrutiny, or lead to a decline. We prepare proposals that answer the bank’s questions before they ask them.

First Home Buyers

Refinancing

Construction Loans

Investment Property

Invest Through Your SMSF with Confidence

Equipment Finance

Vehicle Finance

Medical Equipment

Construction Equipment

Second Mortgages

Bridging Finance

Caveat Loans

Commercial Property

Business Loans

Working Capital

Debtor Finance