Commercial finance, worked through directly, not pushed through a template.
A new venture, or restructuring the debt already on the books. Commercial lending sits further from a standard application than almost anything else we do, and the more complex scenarios get worked through directly with you and the lender rather than a form.
What this covers
New business lending, purchasing property through an SMSF, and restructuring existing commercial debt that’s no longer working for you. Trusts, companies and more complex ownership structures are the norm here, not the exception.
Assessment is more manual than a standard home loan: fewer lenders, more direct conversation with their credit teams, and figures that genuinely need to be argued rather than plugged into a calculator.
Why access to more lenders matters most here
On a straightforward file, having fifty-plus lenders to compare doesn’t change much, because a handful suit most people. Commercial is exactly the situation where that stops being true: an SMSF purchase, a complex ownership structure, a deal someone else has already turned down, or debts that need restructuring rather than just refinancing.
That’s where a broader panel, and someone who deals with the lender’s credit team directly, starts being the difference between a deal happening and not.
- CoversNew ventures and restructures
- ApproachDirect with you and the lender
- SuitsSimple through to complex
Questions about this specifically.
Can you help with SMSF lending?
Yes. Purchasing property through an SMSF is one of the more common scenarios we work on, and it needs a lender that actually understands the structure rather than treating it as a standard purchase.
My business is set up as a trust or company. Does that complicate things?
It changes which lenders will consider the application and what they’ll want to see, but it’s the norm in commercial lending, not the exception. We work through the structure with you rather than asking you to simplify it.
How is this different from a standard home loan application?
Fewer lenders are genuinely active in commercial, and assessment leans more on a direct conversation with their credit team than an automated calculator. It typically takes longer and needs more documentation, which is worth knowing going in.
Looking for something else?
Find out what you are actually eligible for.
A first conversation costs nothing and commits you to nothing. Worst case, you learn your current loan is fine.