12,500+ Happy Clients Trust Us for Financial Success
Specialist Commercial Finance Broker in Australia
Looking for the right commercial finance solution can feel like searching for a needle in a haystack. Between comparing lenders, understanding complex loan structures, and navigating endless paperwork, it’s easy to feel overwhelmed.
That’s where we come in.
We Match You with Specialist Commercial Finance Brokers
Selectabroker isn’t just another broker – we’re a broker matching service. We connect you with specialist commercial finance brokers who actually understand your industry and financial situation.
Why this matters:
✔️ You get matched with a broker who specialises in the finance you need
✔️ Direct contact with experienced experts
✔️ Access to 50+ lenders through your specialist broker
✔️ Free service and consultation
✔️ Support from application through to settlement
Ready to get started? Book your free 15-minute consultation today.
Why Use a Commercial Finance Broker?
Access to Multiple Lenders and Products
Your bank might offer three commercial finance solutions. A commercial financing broker can access products from over 50 lenders. That's not just more options – it's the difference between settling for what's available and finding what actually fits your needs. This includes major banks, specialist commercial lenders, private lenders, and niche financiers who focus on specific industries or situations. Some of these lenders only work through brokers, so going direct means you'll never even know they exist.
Better Rates Through Established Relationships
Brokers deal with lenders every single day. They know which lenders are competitive for different types of commercial finance, they understand credit policies inside and out, and they've built relationships that can make your application process smoother. These relationships matter. When a lender knows and trusts a broker, applications often move faster, and negotiations go more smoothly. It's all about having someone in your corner who knows how the system works and how to navigate it effectively.
Save Time (and Your Sanity)
Ever tried to compare commercial finance products yourself? It's about as fun as reading terms and conditions for entertainment. Different rates, different structures, different requirements – it's a full-time job just to understand what you're looking at. A commercial finance broker does this legwork for you. While you're running your business, they're comparing products, crunching numbers, and identifying the options that actually make sense for your situation. What might take you weeks of research and phone calls, they can do in days.
Expert Guidance Through Complex Applications
Commercial finance applications aren't simple. There's financial documentation, business plans, property valuations, legal structures, and a whole lot of paperwork that needs to be exactly right. Get something wrong, and your application gets delayed or declined. A commercial financing broker knows what lenders need to see, how to present your application in the strongest light, and how to handle curveballs when they come up. They've seen hundreds of applications and know what works.
Truly No Cost to You
This isn't a "first one's free" situation with catches in the fine print. Commercial finance brokers are paid by lenders, not by you. Whether your loan is $200,000 or $2 million, you pay nothing for their service. You get expert help, access to multiple lenders, and someone managing your application from start to finish at zero cost.
Specialist Knowledge vs Generalist Bank Staff
Bank staff are trained to process applications for whatever products their employer offers. Brokers specialise. Some focus on small business loans, others on complex development finance or commercial property transactions. This specialisation matters. A broker who deals with construction finance every day will understand your development loan needs better than a bank employee who processes one or two a year. They know the right questions to ask, the right lenders to approach, and the right way to structure your application.
What is a Commercial Finance Broker?
Think of a commercial financing broker as your personal finance matchmaker, but instead of awkward dinner dates, you get access to dozens of lenders and products you’d never find on your own.
A commercial financing broker works on your behalf to find and secure business or commercial property finance. They’re the middleman between you and lenders, adding undeniable value.
Broker vs Going Direct to Your Bank
Going to your bank | Using a commercial finance broker |
✖️ One lender ✖️ Limited products ✖️ Staff who process applications ✖️ You’re limited to what they offer | ✔️ 50+ lenders ✔️ Hundreds of products ✔️ An expert who works for you ✔️ Paid by the lender, not by you |
Unlike going straight to your bank (where you’re limited to whatever they offer), brokers can access products from 50+ lenders, including options most business owners don’t even know exist.
Here’s the thing: banks employ staff who process whatever loan applications come through the door. Brokers, on the other hand, work for you. They understand your situation, know which lenders suit your circumstances, and handle the heavy lifting of applications, negotiations, and paperwork.
And the best part? You don’t pay them – the lender does. So you get expert help at no cost to yourself.
Australia's brokers settled $78 billion in commercial loans last year.
Isn't it time you took your business to the next level?
Commercial Finance Solutions We Offer
Commercial Property Loans
Development Finance
Business Loans
Sometimes you need working capital to get through a slow season, funds to expand operations, or cash flow to take advantage of an opportunity. Business loans come in many forms, from traditional term loans to flexible lines of credit. We match you with brokers who understand your industry and can find business loans that fit your revenue patterns and growth plans, not just your credit score.
Equipment and Asset Finance
From machinery and vehicles to technology, our solutions consider the equipment you need to run and grow your business. Asset finance lets you acquire equipment without massive upfront capital outlay. Whether you need a company vehicle, manufacturing equipment, or an entire fleet of machinery, specialist brokers can structure finance with terms that align with the asset’s useful life and your business budget.
SMSF Lending
Buying commercial property through your self-managed super fund has specific rules and requirements that standard commercial finance brokers might not fully understand.
Our SMSF lending specialists know the compliance requirements, which lenders work in this space, and how to structure loans that meet both banking and superannuation regulations. It’s a niche area that requires niche expertise.
Bridging Finance
Sometimes you need money right now, not in 60 days after a traditional loan approval. Bridging finance covers short-term funding gaps – maybe you’re buying a property before selling another, or need quick capital to secure an opportunity. These short-term commercial finance solutions (typically 6-12 months) cost more than standard loans, but when timing matters, they’re worth understanding.
How Our Broker Matching Works
Step 1: Free 15-Minute Consultation
We start with a quick conversation to understand your situation. What type of finance do you need? What’s your timeline? What’s your business structure? We’ll have a genuine fact-finding chat to figure out what kind of specialist broker would suit your needs best.
No pressure, no obligations, no cost. Just 15 minutes to work out if we can help and how.
Step 2: We Match You with a Specialist Broker
Step 3: Your Broker Presents Tailored Options
Once matched, your specialist broker digs into your situation properly. They’ll gather the necessary information, assess your borrowing capacity, and research which lenders and products genuinely fit your circumstances.
Then they’ll present you with real options (typically 2-3 commercial finance solutions) with clear explanations of rates, terms, fees, the pros and cons of each, and what it means for your business.
Step 4: Application Support Through to Settlement
Choose the option that works for you, and your broker handles the rest. They’ll manage the application process, liaise with the lender, coordinate with solicitors and valuers, keep you updated on progress, and troubleshoot any issues that arise.
From application to settlement (and even after, if questions come up), you’ve got an expert in your corner who’s seen it all before and knows how to get things done.
Explore the Full Range of Commercial Finance Solutions
At Selectabroker, we help you explore various types of business loans to match your unique financial situation:
Commercial Property Loans:
Ideal for expanding your commercial real estate portfolio in capital cities.
Development Finance:
Perfect for property developers seeking capital for new projects across Australia.
Equipment Finance:
Acquire the tools and machinery your business needs without large upfront costs.
Cash Flow Solutions:
Maintain financial flexibility with tailored lines of credit.
Asset Finance:
Secure funding for assets essential to your business operations.
Self-Managed Super Fund (SMSF) Lending:
Finance options for investment through your SMSF.
Chris Norton
Selectabroker Director
Craig Gadsden
Selectabroker Director
Who We Help
SMEs & Small Business Owners
Running a small business is hard enough without adding financial stress to the mix. We connect small business owners with commercial finance brokers who understand the challenges of SME lending, from demonstrating serviceability when income fluctuates to finding lenders who actually want to work with smaller businesses.
Property Developers
Development finance is complex. We match property developers with brokers who speak your language and understand the specific challenges of construction lending, from feasibility assessments to progress payments to end debt refinancing.
Self-Employed Professionals
Being self-employed shouldn’t mean settling for substandard commercial finance options or paying higher rates. We find brokers who know how to present self-employed income in the strongest light and which lenders are genuinely friendly to self-employed applicants.
First-Time Commercial Borrowers
Never borrowed for business purposes before? The process can be intimidating. We match first-timers with brokers who take time to explain things clearly, set realistic expectations, and guide you through each step without making you feel like you should already know all this stuff.
Established Businesses Expanding
Growth is good, but it requires capital. Whether you’re opening a second location, acquiring a competitor, or significantly expanding operations, we connect you with commercial financing brokers who understand growth capital and can structure finance that supports your expansion plans without crippling your cash flow.
The Selectabroker Advantage
We're proud to offer a boutique brokerage and property advisory service that delivers customised solutions.
Since inception, we've helped numerous clients achieve their business goals through our commitment to excellence in broking.
Why Use Selectabroker to Secure Business or Commercial Funding
|
Going Direct to Your Bank |
Using Selectabroker |
|
Limited to one lender’s products |
Access to 50+ lenders through specialist brokers |
|
Bank staff working for the lender |
Broker working for you |
|
Generic products |
Tailored commercial finance solutions |
|
You do all the research and comparison |
Broker does the legwork |
|
Standard processing |
Relationships that can smooth the process |
|
Limited expertise in niche areas |
Matched with specialists in your specific need |
|
You manage the entire application |
Full support from application to settlement |
|
No cost |
No cost (broker paid by lender) |
Our goal is simple: to match every client with the perfect financial solution for their unique journey.
MFAA Approved
Accredited by the MFAA, ensuring high ethical standards and superior service across Australia.
FBAA Approved
Demonstrating our commitment to ethical standards, industry expertise, and delivering trusted financial advice.
Expert Guidance at Your Fingertips
Personalised Consultations
Discuss your project needs during your busy schedule. Let's organise a time and channel that works for you.
Detailed Proposals & Support Tools
Make informed decisions using our online loan calculators and have a clear understanding of exactly how we can help you secure your loan
Multiple Communication Channels
Discuss your project needs on your preferred communication channel. Zoom, WhatsApp, FB Messenger, Phone, Email. No Problem!
Wherever You Are in Your Loan Journey, We're Here to Help
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Trusted by 1000's of Australians
When we found you guys we thought we had no hope. 3 Banks said no, and you were able find the right home for us. How you guys work for free amazes us
David & Clare
Castlemaine, Vic
The extensive documentation required seemed daunting, but Select a Mortgage Broker helped me organise everything efficiently. The process was smooth and stress-free
Mia
Surry Hills, NSW
Being self-employed, I was concerned about proving stable income, but Select a Mortgage Broker worked with me to find the best loan option. Their dedication finding me the right loan was exceptional! Highly recommend.
Jimmy K.
Busselton, WA
How much does using a commercial finance broker cost me?
Nothing. Commercial finance brokers are paid by lenders, not by borrowers. Whether you borrow $100,000 or $10 million, you pay zero for their services. The lender pays the broker a commission when your loan settles, so you get expert help at no cost.
What's the difference between a commercial finance broker and a mortgage broker?
Commercial finance brokers specialise in business lending: commercial property, business loans, development finance, equipment finance. Mortgage brokers typically focus on residential home loans. Some brokers do both, but if you need commercial finance, you want someone who specialises in it and deals with commercial lenders regularly.
How long does commercial finance approval take?
It varies based on the complexity of your situation and the lender. Simple commercial property purchases with strong financials might get conditional approval within a week. Complex development finance or unusual business structures can take several weeks. Your broker will give you realistic timeframes based on your specific situation.
What's the typical LVR for commercial property loans?
Most lenders will lend up to 60-70% LVR (Loan to Value Ratio) for commercial properties. That means you’ll need a 30-40% deposit. Some specialist lenders go higher, but you’ll typically pay a premium in rates, and you might need to pay Lenders Mortgage Insurance (LMI). Your broker can explain LVR and LMI requirements specific to your situation.
Not sure which loan type is right for you?
Connect with Craig and he can guide you through the various loans and help you work out which is going to be the best fit.