Commercial Property
Office, retail, industrial or mixed-use. We source commercial property finance for owner-occupiers and investors.
Learn more →Commercial property, equipment, cashflow and growth funding, structured around how your business actually trades rather than how a credit policy wishes it did.
Business lending is where generic advice does the most damage. The same request can be an easy yes at one lender and an automatic decline at another, depending entirely on how your income is structured and which documents you can produce.
We handle commercial property, equipment and asset finance, working capital, small-scale development and unsecured SME lending. Because Richard spent 25 years on the lender side, we know which lenders read a set of financials properly and which ones only run the numbers through a calculator. If your accountant is already in the loop, we are happy to work directly with them.
Office, retail, industrial or mixed-use. We source commercial property finance for owner-occupiers and investors.
Learn more →Vehicles, tools, plant, medical and tech. Fast-moving finance for the things your business actually runs on.
Learn more →Overdrafts, lines of credit and short-term business loans when cashflow gets tight - or an opportunity needs funding fast.
Learn more →Broader asset finance - including novated leases, commercial hire purchase and operating leases.
Learn more →Duplexes, townhouses, boutique residential and mixed-use. Finance structured around your feasibility and drawdown schedule.
Learn more →Unsecured business loans up to $500k, with fast decisions and honest pricing. Good for growth capital, inventory, acquisitions.
Learn more →Turn unpaid invoices into working cash. Ideal for B2B businesses with 30-60 day payment terms.
Learn more →Not always. Some lenders will work from 1 year plus year-to-date figures, and there are low-doc and alt-doc options that assess on BAS statements or business bank activity instead. What you can produce shapes which lenders we approach, so tell us early rather than late.
Yes, and it usually makes the file faster. We regularly coordinate directly with accountants, conveyancers and solicitors, particularly on commercial property and SMSF purchases where the structure has to be right before settlement.
Usually, yes, because the risk profile is different. But the gap varies a lot by security type. Lending against commercial property you own sits far closer to residential pricing than unsecured working capital does. We will show you the trade-off rather than quote a single number.
Property development over $5m, aviation and marine finance, and personal loans under $20k. We will say so honestly and usually refer you to someone better placed rather than take on a file we are not the right fit for.
Call us directly, or send a quick note and we’ll come back to you within one business day. No obligation, no sales pitch, just a proper look at your options.
0473 113 128Mon-Fri, 8am-6pm