Commercial Finance and Business Lending
Every commercial lender has industries they won’t touch. We find the ones looking to fund yours.
We understand the business, the industry and the position first, then present the file to the lenders whose credit standards actually match it.
A conversation about the business, not an application. We will tell you at the end whether we’re the right fit.
Brisbane Business Lending
Handled By 30+ Years of Combined Expertise
Estelle and Devon worked both residential and commercial lending inside the Big Four, front line and operational. That range is why complex scenarios get handled here.
Coordinated With Your Team
We collect financials from your accountant rather than from you. You should not have to work out which tax return a lender wants, or be the courier for everything.
One Broker, Whole of Wallet
The home, the premises and the business assets, held inside one relationship. You explain the structure once, not three times to three different people.
COMMERCIAL LENDING
How Commercial Lending is Assessed Differently to a Home Loan
Mainstream home loans rely on rigid algorithms and standard group certificates. Business lending requires a look at the real mechanics of your operation. Banks don’t just evaluate your personal income; they scrutinise your industry sector risk, your entity structure, your weighted cash flow patterns, and the lease or tenant profiles tied to your security. Because every commercial credit desk interprets these data points differently, the exact same file can get a fast rejection at one bank and a premium approval at another.
Why Business Owners Use a Commercial Finance Broker
Navigating commercial credit guidelines alone wastes time and puts your credit file at risk. Walking blindly into a bank branch limits you to their singular risk appetite. As specialised business finance brokers, we map your operation across a panel of institutional, non-bank, and private lenders simultaneously. We protect your personal equity, bypass unnecessary full-doc tax audits with tailored low doc business loan pathways, and structure facility limits that scale dynamically with your revenue instead of strangling your daily cash flow.
Leverage our network of trusts, SMSFs, borrowers, securities.
“Estelle and the team were amazing. So knowledgeable in regards to our finance options as business owners. Would highly recommend and will be using them for our next purchase!”
Commercial Finance Testimonial
Rachael
Business owner
Development Finance
Funding a development project, where the lender is assessing the strength of the opportunity rather than simple numbers. Feasibility, staging and the exit all get read before anyone looks at a rate.
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Lenders who fund projects rather than finished properties
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How the facility is staged against the build programme
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What the lender needs to see on the exit before they commit
Commercial Property Loans
Buying the premises you trade out of, or investing in commercial property to build long-term wealth. Owner-occupied and investment are read very differently, and not every lender is strong at both.
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Owner-occupied premises, bought to stop paying someone else’s mortgage
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Investment property held for yield, growth or both
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Lease agreements, tenant quality and how each lender weighs them
Business Lending
Securing the right business loan is crucial for growth, whether you're expanding, purchasing new assets, or upgrading infrastructure. Business finance can be complex, so we simplify the lending rules and explain your options in plain language.
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We partner with major banks, specialist lenders, and non-bank providers across Australia to secure competitive rates.
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Every business is unique, so we take the time to match you with the right short-term or long-term loan structure.
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We guide you through the complete documentation process, letting you focus on running your business while we secure the funding.
SMSF Lending
SMSF lending is on a different level from a standard home loan. Stricter criteria, a much shorter list of lenders who write it at all, and a structure your accountant and financial adviser need to be across before anything is submitted.
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Business owners buying their own premises through the fund and leasing back, where it is appropriate and compliant
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Investors diversifying a retirement strategy into property
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Which lenders write SMSF, and what they each want to see
Most working capital enquiries are not about covering losses. They are about the gap between paying suppliers and being paid, a quiet season, or a contract that needs staff before it pays.
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We bridge the frustrating payment gaps between paying your suppliers and receiving client invoices.
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We secure flexible facilities and unsecured lines of credit that scale with seasonal trade spikes.
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We access custom debtor and inventory finance tools that unlock immediate liquid cash.
BOOK A CONSULTATION
One conversation about your business, its structure and your goal.
We will work alongside your accountant, your solicitor and your financial planner and shortlist 3-5 lenders whose rules fit your needs.
Which lenders’ credit appetite suits your structure, and which do not
What the lender will want to see, before you go looking for it
Whether the answer is yes now, or what has to change for it to be
“From start to finish, Estelle was incredibly knowledgeable, guiding us through every step with confidence and clarity. Her expertise made the entire process smooth and stress-free.”
Nicholas
Business Owner
Business Lending FAQs
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No fee information in any supplied asset.
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No turnaround figures supplied. Commercial timeframes vary too much to guess at.
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We review the business, the financial position, servicing capacity, security and the overall proposal before recommending which lenders to approach. That way you know where you stand before an application is submitted rather than after.
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More than payslips and bank statements. Depending on the scenario it can include financial statements, tax returns, BAS, business performance information, cash flow forecasts, lease agreements or trust deeds. We tell you exactly what is needed and collect most of it from your accountant.
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Not with the right lender. Commercial lending routinely involves companies, trusts, multiple borrowers, guarantors and several securities. Our job is to explain the structure in plain English and work with your accountant and solicitor so everything lines up.
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Yes, and we prefer to. It means you are not the courier between two professionals, and it means your accountant can tell us what the tax position needs to look like before we structure anything.
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That is the reason most of our commercial clients are here. Today those are usually three separate conversations with three people who do not talk to each other. We hold all three, and we already know the structure.
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Depends on the fee answer above.