Commercial Loan Broker in Sydney for Property, Acquisition & Business Debt

Sydney commercial loan broker for property, acquisitions and structured business debt. Partners with banking and commercial lending backgrounds. Speak to a partner.

Sydney’s commercial lending specialists for the deals that aren’t straightforward

Most commercial loans don’t fail on the numbers. They fail on structure and presentation — the wrong lender, the wrong facility, a submission that never reaches the right credit team in the right shape. As a trusted Commercial Loans Broker Sydney, we ensure your application is structured correctly from the outset. Sydney’s commercial loans broker for complex deals, backed by former senior bankers who assessed commercial credit from the inside. Speak to a specialist.

Providence Lending Group is a Sydney commercial loans broker built specifically for that problem. We work with business owners, commercial property investors and developers on transactions from $500,000 to $50 million — acquisitions, refinancing, development funding, and structured business debt. What sets us apart is our banking background. Our partners understand how commercial lending is assessed and use that knowledge to help structure applications clearly, address potential issues early, and guide clients through the process with confidence.

Sydney’s Commercial Lending Broker for Business Owners and Investors

Whether you’re acquiring commercial property, funding a business expansion, or refinancing an existing facility, securing the right commercial loan structure can make the difference between a deal that works and one that doesn’t. As experienced commercial lending brokers based in Sydney, we work with business owners, investors, and developers to navigate the commercial finance market with clarity and confidence.

What Is a Commercial Loan?

A commercial loan is a business financing facility used to purchase or refinance commercial property, fund business operations, or support growth and investment objectives. Unlike residential home loans, commercial lending involves more complex assessment criteria — including business financials, serviceability, asset type, and loan purpose. That’s where an experienced commercial lending specialist makes all the difference.

Types of Commercial Finance We Arrange

We work across the full spectrum of commercial lending, including:

Commercial property loans — owner-occupied and investment commercial real estate
Business acquisition finance — funding to purchase a business or franchise
Commercial mortgage refinancing — restructuring existing debt to improve cash flow or rates
Specialist and non-bank commercial lending — for scenarios where major banks have strict limitations
Lo-doc and alternative commercial loans — for self-employed borrowers or complex income structures
Bridging and short-term commercial finance — for time-sensitive transactions

How Commercial Lenders Actually Assess Your Deal

Commercial lending is about more than meeting a checklist. Every lender has different policies, risk appetite, and credit priorities, which is why the right structure can make all the difference. We take the time to understand your business, present a clear lending strategy, and match your application with lenders whose criteria align with your goals, helping you move forward with confidence.

Lender appetite comes first — and it's invisible from the outside
Asset strength sets your leverage — prime industrial and office support higher LVRs
Serviceability is read on debt-service coverage, not a simple payslip
A well-structured submission changes the outcome — often approval versus decline
We assess current appetite before your deal is ever submitted

Structure Matters More Than Rate

The most expensive mistakes in commercial lending aren’t a few basis points on the rate — they’re structural. Cross-collateralising properties that should have stayed separate, or a facility that funds today’s deal but blocks the next one. We structure commercial debt with your whole trajectory in mind, keeping your equity mobile and your borrowing capacity intact.

How We Work

A confidential strategy discussion — we review your financials, the asset and your objectives, and tell you honestly whether and how the deal can be structured.
We identify current lender appetite for your scenario — which funders are actively lending against your asset class right now.
We structure the facility and build the credit submission before it goes anywhere.
We manage the lender and the paperwork through to settlement.
We stay on for the life of the facility, not just the application.

Why Providence

With backgrounds in banking, we understand the commercial lending process from the lender's perspective and use that insight to help clients present stronger applications.
We know current appetite, not just the lender list — the difference between approval and decline.
We structure for where you're going, keeping equity mobile and capacity intact.
Our advice is obligated to be in your interest, not any single bank's.
Our service typically costs you nothing — we're paid by the lender on settlement.

Why Use a Commercial Lending Broker?

The commercial lending market operates very differently to residential mortgages. Lender appetites vary significantly by industry, asset type, and loan size. A commercial lending broker with deep lender relationships can position your application to the right credit teams, structure the deal to improve approval outcomes, and negotiate terms that a direct bank approach may not achieve.

Our directors each bring over 15–20 years of senior banking experience, including commercial credit, portfolio management, and complex deal structuring at some of Australia’s largest financial institutions.

Who We Work With

We support business owners, commercial property investors, self-employed professionals, and SMEs across Sydney and nationally. Whether you’re borrowing $500,000 or $50 million, we bring the same rigour and commitment to every client engagement.

Get Started

Speak with one of our commercial lending specialists today. We’ll review your situation, identify the most appropriate lenders, and walk you through your options — at no cost to you.

FAQ

Commercial loans in Sydney — answered

Does it cost anything to use a commercial loans broker?

In most cases, no — lenders pay us on settlement. Where a fee ever applies on a complex commercial engagement, we tell you upfront and in writing before you commit.

How much can I borrow against commercial property?

It depends on the asset. Prime, well-leased office and industrial assets in strong Sydney locations typically support up to 75–80% LVR; more specialised assets are assessed more conservatively. Development finance is assessed on total project cost rather than a standard LVR.

What's the difference between a commercial loan and a home loan?

Commercial lending is manually credit-assessed and priced to risk, asset and cash flow, and decided by a credit committee rather than an automated system. It requires more detailed documentation and rewards a well-structured submission.

We were declined by our bank — can you still help?

Often, yes. A commercial decline is frequently about lender appetite or how the deal was presented, not the borrower. We assess which lenders are actively funding your scenario and restructure the submission accordingly.

Can you arrange commercial finance through an SMSF?

Yes — we structure limited-recourse commercial property loans for self-managed super funds acquiring business premises or commercial investment property. More on SMSF lending →

How long does a commercial loan take to settle?

It varies by lender and complexity, but a well-prepared, correctly-placed submission moves materially faster than an unstructured one. We’ll give you a realistic timeline at the strategy discussion.

Which lenders do you work with?

Major banks, second-tier and non-bank commercial lenders, and private funders — including lenders that don’t deal with the public directly.

One of the best in the industry.

The team went above and beyond to secure our finance. Their knowledge of the market and attention to detail made the entire process seamless. Whether you are investing or refinancing, I couldn’t recommend them enough for their transparency and results.

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