Commercial finance to fund and grow your business.
From working capital to property and development, funded by a broker who compares the market so you do not have to.
What is commercial finance?
Commercial finance is the funding a business uses to operate, grow, buy property or manage cash flow. It covers a broad range of products, from business loans and working capital facilities through to commercial property finance and development funding. Unlike a standard consumer loan, commercial lending is assessed on the business, its cash flow and the purpose of the funds, and lender policies vary widely from one to the next.
That variation is exactly why a broker matters. As commercial finance brokers, we compare across our panel of banks, non-bank lenders and specialist financiers, then guide you to a structure that fits your business rather than the first product a single bank happens to offer. We handle the comparison, the paperwork and the lender liaison, so you stay focused on running the business.
Explore our commercial finance products below, or talk to us and we will point you to the right one.
Business Loans
Secured or unsecured funding for growth and operations.
Explore →Working Capital & Cashflow
Bridge the gaps and fund the next job.
Explore →Commercial Property
Owner-occupied or investment commercial property.
Explore →Development & Construction
Funding for builders and property developers.
Explore →Trade & Debtor Finance
Unlock cash tied up in invoices and stock.
Explore →Asset & Equipment
Vehicles, equipment and machinery for the business.
Explore →Not sure?
Tell us your goal and we will guide you to the right option.
Get in touch →Finance for how your business actually grows.
Commercial finance is flexible, and most businesses use it for more than one thing over time. Here is where it most often helps.
Buying or refinancing commercial property
Finance to purchase, refinance or release equity from offices, warehouses, factories, retail premises and specialised property such as medical or childcare. For owner-occupiers and investors, structured around the property and your business. See commercial property finance.
Working capital and cash flow
Funding to bridge the gaps between money going out and money coming in, whether that is seasonal swings, a large order, or simply keeping operations smooth while you grow. See working capital and cashflow finance.
Business expansion and equipment
Capital to open a new site, hire, buy stock, or fund the gear and vehicles your growth depends on. Secured or unsecured, structured to the purpose. See business loans and equipment finance.
Development and construction
Funding for builders and developers, from single dwellings through to multi-unit projects, with progressive drawdowns, residual stock and development site finance. See development and construction finance.
Trade and debtor finance
Unlock cash tied up in unpaid invoices or fund the goods you import and on-sell, keeping the business moving without waiting on customer payment terms. See trade and debtor finance.
Business acquisition
Funding to buy a business, a franchise, or an equity share, structured around the target's cash flow and your position. Complex to arrange, which is where the right lender and guidance matter most.
Secured, unsecured and the right fit.
Commercial finance can be structured in several ways depending on the lender, the purpose and your business. We explain the practical differences and help you choose.
Secured facilities
Backed by an asset such as commercial or residential property, or business assets. Security can support larger amounts and often more competitive terms, and suits property purchases, major expansion or longer-term funding.
Unsecured facilities
No specific asset is held as security, assessed instead on your business cash flow and trading. Typically faster to arrange and suited to smaller or shorter-term needs where speed matters more than the lowest possible rate.
Lines of credit and drawdowns
Revolving credit and progressive drawdown facilities give ongoing or staged access to funds, useful for working capital that ebbs and flows or development projects funded in stages as the work progresses.
The right structure depends on what you are funding, how quickly you need it and your security position. We weigh these with you and match your situation to a lender whose policy fits, rather than forcing your business into a single bank's template.
What lenders look at, and how we help.
Commercial lending is not just about an interest rate. Lenders assess the borrower, the business, the cash flow, the security and the purpose of the funds, and each weighs these differently. A well-prepared application lodged with the right lender is far more likely to be approved smoothly than the same application sent to a lender whose policy does not fit.
That is the core of what we do. We look at your ABN and trading history, GST registration, financials or bank statements, security position and the purpose of the funding, then match you to lenders likely to be comfortable with your profile. Low-doc options are available in some cases where full financial statements are not required, assessed on cash flow instead. We prepare the application properly the first time, which reduces delays and gives your business the best chance at a clean approval.
Commercial finance, answered.
What is a commercial finance broker?
What can commercial finance be used for?
Do I need property as security?
Is low-doc commercial finance available?
How long does a commercial loan take to arrange?
Can you help with complex or unusual situations?
Do you only work with Melbourne businesses?
Why use a broker instead of going to my bank?
Let's fund your next move.
Tell us what your business needs. We compare lenders and handle the paperwork, so you can keep building.