Commercial finance
Property, SMSF, construction, business and asset finance for investors and business owners. We know which lenders want your deal, and we prepare it the way their credit teams read it.
Our commercial finance services
Commercial property loans
Offices, industrial, retail and medical. Buy or refinance.
Read more
SMSF lending
Buy commercial property in super, including your own premises.
Read more
Construction and development
Small to mid-size projects. Bank and private funding.
Read more
Trust and company lending
Discretionary trusts, unit trusts, companies and family groups.
Read more
Buying a business
Buy a business, a franchise or a partner's share.
Read more
Private and bridging loans
Short term funding when timing or policy rules out a bank.
Read more
Business loans
Working capital, overdrafts, term loans and tax debt.
Read more
Equipment and vehicle finance
Vehicles, trucks, machinery and equipment.
Read moreWho we finance
Medical and allied health
Suites, clinics and practice purchases for GPs, dentists, vets and allied health.
Industrial and logistics
Warehouses, factory units and yards in Western Sydney, the Central Coast and the Hunter.
Childcare
Centres with long leases to established operators, and owner operator purchases.
Retail and hospitality
Shops, strip retail, cafes and food franchise sites.
Construction and trades
Builders and trades buying yards, plant and their own premises.
Professional services
Accountants, lawyers and consultants buying the office they work from.
Four steps from first call to settlement
Nick runs your deal himself, from the first call to settlement and the reviews after.
Talk
A short call to understand what you want to buy or fix, your structure and your timing.
Plan
We work out which lenders fit, what they will ask for and what it will cost, and set it out in writing.
Apply
We prepare the application so the credit team has fewer questions, then manage valuations and approvals.
Settle and review
We take it through to settlement, then review your lending as rates and your plans change.
Two more ways we help
Nick also runs Groundwork Commercial and Levelhead. Each does one job well, and any finance they lead to is arranged through The Lending Lab.
Common questions
What size commercial loans do you arrange?
From a few hundred thousand dollars for a strata unit or equipment through to multi-million dollar property and construction loans. The process is the same: we match the deal to the lenders that want it.
Which lenders do you use?
The major banks, second-tier and regional banks, non-bank lenders and private lenders. Which ones depend on the deal, the security and how fast it needs to happen.
What do I need for a first conversation?
Nothing formal. A rough idea of the property or business, the price, your deposit or equity, and how you plan to own it. We will tell you what documents the lender will need after that.
Talk to Nick
Tell us what you are trying to do. Nick will call you back, usually within a business day, and tell you plainly whether we can help.