Sydney has the largest and most competitive commercial property market in the country, with strong values across the CBD, the metro fringe and the industrial precincts of the west and south. That makes getting the structure and the lender right especially important: in a high-value market, the difference between lenders on rate, loan-to-value ratio and serviceability can be substantial.
At Loanworx, we arrange commercial finance for businesses across Sydney and the surrounding regions. We compare facilities across the major banks, second-tier lenders, non-bank funders and specialist commercial lenders, then structure the deal around how your business runs. Whether you’re buying premises, acquiring a business, funding a development or smoothing cash flow, we match you to the lender most likely to approve it on the strongest terms.
As a specialist commercial finance broker, we work for you rather than for any single lender, presenting your financials and structure accurately and managing the deal end to end. We work alongside your accountant and advisers so the finance supports the business rather than getting in its way.
Looking at a commercial purchase, acquisition, development or refinance in Sydney? Call us on 1300 562 696 or get in touch and we’ll be back to you shortly.
Sydney’s market rewards knowing the lenders and presenting the deal well. Here’s what we bring to a commercial finance application.
With access to a wide panel spanning the major banks, second-tier lenders, non-bank funders and specialist commercial lenders, we compare the market in one go and point your application to the lenders most likely to approve at the strongest terms.
Commercial finance is won on structure and presentation. You deal with senior brokers who understand trusts, companies, partnerships and security, and who shape the credit submission before anything is lodged.
Sydney values and competition mean lender choice and serviceability matter more than in smaller markets. We know which lenders have appetite for Sydney assets and deal types, and which credit teams will support them.
Sydney businesses face a market where property values are high, competition is strong, and the right finance can be the difference between securing a deal and missing it. The lender you approach, and how the deal is structured, shape both the terms and the odds of approval.
We compare the whole market, structure the facility around how your business operates, and present it to the lenders most likely to back it. From premises and acquisitions to development and working capital, the aim is a clean path from application to settlement, with the finance never the thing that holds you up.
We cover the full range of commercial finance a Sydney business is likely to need. Select the service that fits your situation, or get in touch and we’ll point you in the right direction.
Borrow inside your self-managed super fund to acquire commercial property under a limited recourse borrowing arrangement.
Vehicle and fleet finance through chattel mortgage, lease or hire purchase, structured for your cash flow and tax position.
Short-term finance to bridge the gap between buying and selling, or to cover a timing shortfall.
Funding to buy a business or practice, including goodwill where the deal and lender support it.
Finance to acquire or refinance commercial investment property across office, retail, industrial and specialised assets.
Funding for residential and commercial development, from small builds through to multi-stage projects.
Review and refinance existing commercial debt to sharpen the rate, release equity or restructure the facility.
Overdrafts, lines of credit and cash-flow facilities sized to your real working capital cycle.
Commercial finance isn’t only about the headline rate. It’s about being matched to a lender that will approve you, structuring the facility so it suits the business long term, and having someone manage the process. Here’s what working with us looks like.
We compare commercial facilities across a broad panel of major banks, second-tier lenders, non-bank funders and specialist commercial lenders, so you see a genuine spread of options. We match the deal to the lender most likely to approve it at a competitive rate, which often isn’t your everyday bank.
You deal with experienced brokers who expect to see trusts, companies, partnerships, partner distributions and complex security, and who know how to present your structure to a lender accurately rather than force-fitting it into a generic application.
From the first conversation to settlement, we prepare the submission, liaise with the lender, coordinate with your accountant and solicitor, and keep you updated at each stage, so the deal keeps moving and you’re never chasing it.
For most commercial transactions, Loanworx is paid an upfront and trail commission by the lender after settlement, and that commission typically does not change the rate or fees you pay. For more complex scenarios a fee for service may apply, and we’ll disclose it in writing before any work begins. No surprises.
We arrange commercial finance for businesses in the major capitals and their surrounds. Explore our other locations below.
Commercial finance for businesses across Melbourne and surrounds, matched to the right lender from across the market.
Commercial finance for businesses across Brisbane and surrounds, matched to the right lender from across the market.
Yes. We arrange commercial finance for businesses across Sydney and the surrounding regions, covering commercial property, business acquisitions, development funding, vehicle and equipment finance, refinancing and working capital. As a specialist commercial broker, we compare the whole market and match your deal to the lender most likely to approve it on the strongest terms, then manage it through to settlement.
It depends on the asset, the lease, the lender and your financials, not the city itself. As a broad guide, commercial property is commonly funded up to around 65% to 75% of value, with higher loan-to-value ratios available for some owner-occupiers and specialist scenarios. Sydney’s higher values make lender choice and serviceability especially important, which is where comparing the market pays off. We’ll give you a realistic figure for your specific deal.
No. While we work with businesses across Sydney, commercial finance is arranged efficiently by phone, email and video, with documents handled electronically. You deal with the same senior broker throughout, wherever you’re based. If a face-to-face conversation suits you better, we can arrange that too.
The full range: commercial property purchases and refinances, business acquisition finance, property development finance, SMSF commercial property loans, business vehicle and equipment finance, bridging loans, and working capital facilities like overdrafts, lines of credit and invoice finance. If it’s funding a Sydney business, its premises, its assets or its cash flow, we can help you structure and source it.
Yes. Trusts, companies, partnerships, partner distributions and complex security are normal in commercial lending, and different lenders treat them very differently. We present your structure and financials accurately and match you to a lender whose policy fits, rather than force-fitting the business into a generic application. We work alongside your accountant and solicitor throughout.
For most commercial transactions, we’re paid an upfront and trail commission by the lender after settlement, and that commission typically does not change the rate or fees you pay. For more complex scenarios, such as development funding or certain non-bank facilities, a fee for service may apply, and we always disclose it in writing before any work begins. No surprises.
Talk through your scenario with a specialist commercial broker, with no cost and no obligation. Call us on 1300 562 696 or get in touch and we’ll be back to you shortly, ready to map out what’s possible for your business.
Disclaimer: The information provided here is general in nature and should not be considered financial, tax or legal advice. You should consult your professional advisers, such as your accountant, solicitor and financial planner, to see whether a particular finance strategy is suitable for your business, ahead of a discussion with us that will be limited to how to arrange any funding required.
Level 15/412 St Kilda Rd
Melbourne VIC 3004
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