Commercial Finance Broker for Australian Businesses

We structure business and commercial property debt, then tender it across 60+ banks, non-bank lenders and private credit funds so you see the real market price, not one lender's view. Founded by former senior bankers from Westpac and CBA. Paid by the lender, at no cost to you.

Book a Free 15-Minute Finance Assessment

What a Commercial Finance Broker Does

Who it's for

Business owners buying premises, equipment or another business
Companies refinancing a facility that hasn't been tested against the market in years
Developers and investors funding commercial, industrial or residential projects
Borrowers a bank has declined, or who can't wait for a credit committee

What we structure

Commercial property loans, owner-occupied and investment
Business acquisition and management buyout finance
Working capital, overdraft, invoice and trade finance
Development, construction and private credit facilities

What lenders need

Two to three years of financials, plus current trading figures
A clear purpose for the funds and a realistic repayment source
Details of the security offered and any existing debt
An organised group structure, so credit can see who owns what

How We're Paid

This is the question most borrowers want answered first, so here it is plainly:

Standard lending: the lender pays us. When a loan settles, the lender pays a commission as part of its standard costs. You don't receive an invoice from us.
No lender bias. Commissions are broadly comparable across our panel, so we have no reason to steer you toward a particular lender. The best offer is the one we recommend.
Debt advisory is the exception. Complex work, such as restructuring several facilities or a multi-lender transaction, is charged as a retainer plus a success fee. We disclose that in writing before any work starts.
Private credit fees are shown in full. Private lenders often charge establishment and line fees. We set out every fee in the comparison, so you're comparing total cost, not headline rates.

The Lenders We Use

A broker is only as useful as the market it can reach. Our panel covers three broad tiers, and most tenders include more than one:

Banks

The Big Four and second and third-tier banks. Usually the lowest margins and longest terms, with the tightest credit policy and slower approvals. Best for established businesses with clean financials and solid security.

Non-bank lenders

Specialist lenders funded outside the deposit system. More flexible on industry, loan size, ATO debt or a recent loss, and quicker to decide. Priced above banks, often for a defined term before moving back to bank debt.

Private credit

Funds lending investor capital on bespoke terms: bridging, second mortgage, mezzanine and construction debt. The fastest and most flexible tier, and the most expensive. See our private credit page.

To see how margins compare by tier and loan-to-value ratio (LVR), read the Glenclair Pricing Index.

A Typical Deal Structure

Most commercial deals combine several sources of funding, not a single loan. Here's an illustrative example: a buyer acquiring an established business for $8 million, with $2 million of annual EBITDA (earnings before interest, tax, depreciation and amortisation).

Layer	Amount	Source	Typical terms
Senior term loan	$4.0m (50%)	Bank	Around 2x EBITDA, amortising over 3 to 5 years, secured by a general security agreement and director guarantees
Vendor finance	$1.0m (12.5%)	The seller	Deferred payment over 2 to 3 years, ranking behind the bank
Buyer equity	$3.0m (37.5%)	The buyer	Cash, or equity released from property through a separate loan
Working capital facility	$0.75m limit	Same bank	Overdraft or revolving line, undrawn at settlement, to fund stock and debtors

The bank will set covenants, typically a maximum debt-to-EBITDA ratio and a minimum interest cover or debt service cover, tested each quarter or year. How the covenants are set matters as much as the interest rate. If the bank's leverage limit leaves a gap, a non-bank or private credit lender can provide stretch senior or mezzanine debt to close it. Figures are illustrative, not an offer. More on this in business acquisition finance and vendor finance.

$355K Annual savings delivered to a single client

35 BPS Average reduction in debt servicing costs (basis points) — and if we can't save you money, we won't represent you

60+ Lenders on our panel — Big Four, second tier, third tier, and private credit

$0 There is no cost to you for our services; we are compensated by lenders rather than clients. Debt advisory services are the exception, provided under a retainer and success-fee structure

HOW A TENDER WORKS

Assess
We review your financials, security and goals, and tell you honestly what's achievable.

Structure
We design the facilities before any lender sees the deal.

Prepare the credit pack
Financial analysis presented the way credit teams assess risk.

Tender
We approach the lenders with real appetite for your deal, including your current bank.

Negotiate
We compare offers on rate, fees, covenants and flexibility, so you can get the best terms in the market.

Settle
We manage valuations, conditions and documents through to funding.

Commercial Finance Broker FAQs

What does a commercial finance broker do?

A commercial finance broker arranges business and commercial property lending on the borrower's behalf. We work out how the deal should be structured, prepare the credit pack, tender it to suitable lenders, negotiate the competing offers and manage the loan through to settlement.

How is a commercial finance broker paid?

For standard commercial lending we are paid a commission by the lender, so there is no cost to you. Complex debt advisory work, such as a multi-lender restructure, is the exception and is charged as a retainer and success fee, which we disclose in writing before any work starts.

Will using a broker make my loan more expensive?

No. Lender commissions are part of the lender's standard costs and are broadly comparable across our panel, so they don't push us toward one lender over another. A competitive tender usually lowers the price, because each lender knows it is being compared.

Which lenders do you work with?

More than 60 lenders: the Big Four banks, second and third-tier banks, specialist non-bank lenders and private credit funds. Which ones we approach depends on your industry, deal size, security and timing.

Is it better to go direct to my bank?

Your bank only shows you its own view of your risk. Going direct can work for a simple renewal, but for a new facility, an acquisition or a refinance, a tender tells you what the market will actually offer. Your existing bank can still take part and often improves its terms once it sees competing offers.

How long does a commercial loan take through a broker?

Private credit can settle a clean, property-secured deal in days to a couple of weeks. Bank credit approvals usually take several weeks from a complete credit pack, with settlement after that. We plan the tender around your deadline.

What size deals do you handle?

We focus on business owners and mid-market companies, from single-facility property loans to multi-facility acquisition and development finance. If a deal is too small to benefit from a full tender, we'll tell you.

Independent Commercial Finance Broker: what makes a tender genuinely independent
Commercial Refinance: testing your current facilities against the market
Commercial Property Loans: owner-occupied and investment property
Property Development Finance: land, construction and residual stock
Local brokers: Sydney, Melbourne, Brisbane, Perth, Adelaide, Canberra, Newcastle, Wollongong

Find Out What the Market Will Offer

Tell us about the deal or the facility you have now. In 15 minutes we'll tell you whether a tender is worth running and which lenders are likely to compete for it.

Book a free, no-obligation consultation with us today