Commercial finance Australian businesses can scale with
Overdrafts, lines of credit, trade finance and development funding need a broker who understands commercial credit. Our commercial team structures facilities around your cash cycle and growth plans.
- Overdrafts and lines of credit
- Development and trade finance
- Commercial credit specialists
Commercial finance Australian businesses can build around
As a business grows, one term loan rarely covers everything. You might need a buffer for uneven cash flow, funding to import stock before it sells, or a facility to take a property development from site purchase to completion. Commercial finance covers all of these. We work with businesses across Australia to structure facilities that match how money moves through the business, drawing on banks, non-bank lenders and private funders. We work with clients right across Australia, by phone, email or Google Meet.
For day-to-day needs, an overdraft or line of credit gives you access to funds up to an agreed limit, and you pay interest only on what you use. Cash-flow lending is assessed on the strength of your revenue and earnings rather than property security. Trade finance helps importers and exporters pay suppliers before goods are sold, bridging the gap between payment and receipt. Each carries different fees, review terms and covenants, so we explain what the lender expects from you over the life of the facility.
Development finance is a specialist area. Lenders assess the site, planning permits, builder, fixed-price contract, feasibility and pre-sales, and release funds in stages as construction progresses. Many developments combine senior debt from a bank or non-bank lender with the developer's own equity. Commercial facilities usually involve application, valuation and legal fees, and a broker fee may apply; all fees are disclosed upfront in writing. If you are buying premises or an investment building, see our commercial property loans page.
How our commercial team adds value
Facilities that work together
We look at your whole banking setup, combining term debt, overdrafts and trade lines so each facility has a clear job and nothing overlaps.
Credit-ready presentation
We prepare a credit submission that explains your financials, forecasts and management experience in the way commercial credit teams expect to see them.
Banks and private lenders
Beyond the major banks, we access second-tier, non-bank and private lenders for deals that are time-sensitive, complex or outside standard policy.
Development know-how
We understand feasibilities, pre-sale requirements, cost-to-complete reports and staged drawdowns, and we work alongside your quantity surveyor and builder.
Covenants in plain English
We explain reporting obligations, financial covenants and review dates, so you know exactly what the lender expects while the facility is in place.
Fees disclosed in writing
Application, valuation, legal and any broker fees are set out upfront in writing, so you can assess the total cost before you commit.
Who uses commercial finance
Every situation is different. If yours isn't listed, ask us anyway. Chances are we've seen it before.
Check my optionsHow we structure commercial finance
Business and goals review
We meet to understand your operations, financial position, existing facilities and the outcome you need, from smoother cash flow to funding a project.
Financial analysis
We review financial statements, forecasts, debtor and creditor positions and, for developments, the feasibility, to identify realistic funding structures and lenders.
Proposal and terms
We approach suitable lenders with a clear credit submission and bring back indicative terms, comparing pricing, fees, security, covenants and conditions.
Approval and documentation
Once you choose a lender, we manage valuations, formal approval and the legal documentation process with your accountant and solicitor involved.
Ongoing management
We track annual reviews, covenant reporting and facility expiries, and we review your structure as the business grows or conditions change.
What lenders typically ask for
Having these ready speeds everything up. Don't worry if something's missing; we'll tell you exactly what each lender needs.
Run the numbers first- Two to three years of financial statements and tax returns
- Year-to-date management accounts
- Cash-flow forecasts and budgets
- Aged debtors and creditors reports
- Details of current business debts and facilities
- Company structure, trust deeds and director ID
- For development: feasibility, permits, plans and building contract
- For trade finance: supplier contracts and shipping details
- Asset and liability statements for directors and guarantors
Commercial Loans: your questions answered
What is the difference between an overdraft and a line of credit?
Both give you access to funds up to an agreed limit, and you usually pay interest only on the amount used. A business overdraft is linked to your transaction account, so it covers short-term dips automatically. A line of credit is a separate facility you draw from and repay as needed. Fees, security requirements and review terms vary, so we compare them for your cash cycle.
How does development finance work?
Development finance funds the construction of projects such as townhouses, units or commercial buildings. The lender assesses the site, permits, builder, fixed-price contract, feasibility and often pre-sales. Funds are released in stages as a quantity surveyor confirms progress, and interest is usually capitalised during construction. Developers normally contribute their own equity. We help prepare the submission and compare bank and non-bank options.
What is trade finance?
Trade finance helps businesses that import or export goods pay suppliers before they are paid by their own customers. It can include letters of credit, import loans and supplier payment facilities. The lender pays your supplier and you repay once the goods are sold or your customer pays. It can reduce strain on working capital and support larger orders. We explain the structures and costs available.
What is cash-flow lending?
Cash-flow lending is business finance assessed mainly on your revenue, profitability and cash flow rather than on property security. It suits businesses with strong, consistent trading but limited hard assets. Lenders will look closely at financial statements, bank data and forecasts, and they may attach covenants. Rates can be higher than property-secured loans, so we weigh the cost against the flexibility it gives you.
What fees apply to commercial loans?
Commercial loans commonly involve an application or establishment fee, which can range from about $500 to $5,000 depending on facility size, a valuation fee of around $1,000 to $5,000, and legal or documentation costs of roughly $2,000 to $5,000. Ongoing line fees may also apply. A broker fee may apply to some facilities. We set out every fee upfront and in writing before you proceed.
Can a commercial broker help if my bank has declined me?
Often, yes. A bank decline may reflect that lender's specific policy or appetite rather than the overall strength of your business. Second-tier banks, non-bank lenders and private funders assess risk differently and may consider deals that fall outside major bank guidelines, sometimes at a higher cost. We look at why the application was declined, address any gaps and approach lenders more likely to support it.
You might also need
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Secured, unsecured and invoice finance for small businesses needing working capital, expansion funds or smoother cash flow.
ExploreCommercial Property Loans
Finance for offices, retail, industrial and warehouse properties, whether you occupy them or lease them to tenants.
ExploreAsset Finance
Finance for trucks, machinery, vehicles and equipment through chattel mortgages, leases and hire purchase.
ExploreNeed a facility that fits your business?
Speak with our commercial team about structuring finance around your cash flow, projects and growth.