Commercial Loan Broker in Sydney

A Commercial Broker Focused on the Right Fit,
Not the First Offer

A commercial loan broker compares commercial finance options from a range of lenders and helps you apply for one that fits your deal, instead of you working through one bank’s narrow lending criteria on your own. At Lendwise, we arrange commercial loans Sydney business owners, property investors, and SMSF trustees rely on, and we stay involved from your first enquiry through to settlement.

We work as commercial finance brokers Sydney business owners and property investors turn to, comparing options across a panel of commercial mortgage lenders, including specialist non-bank lenders, and explaining what each one means for your deal in plain language, not finance jargon.

Whether you’re buying your business premises, adding to a commercial property portfolio, or purchasing through an SMSF, the right lender and loan structure matters more here than it does with a standard home loan.

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Why Commercial Loans Matter

Commercial lending isn’t assessed the same way a home loan is. Lenders look at the property type, tenant quality, lease terms, and how the finance will be used, not just your income. A CBD office, a suburban warehouse, and an SMSF-owned property can all be assessed completely differently, even at a similar loan size.

Many banks only lend against their own narrow criteria, which can rule out a deal another lender would happily approve. Commercial mortgage terms, security requirements, and lender appetite vary far more between commercial lenders than they do with a standard home loan, so getting the structure wrong can affect your cash flow and your options for years, not just months.

Our Process

Here’s what working with a commercial broker actually looks like, from your first message to the day your loan settles.

01

Submit Your Enquiry

Tell us about the property or deal you're financing and a bit about your business. It only takes a few minutes.
02

Discuss Your Options

We walk you through what's realistic for your situation, in plain English, based on the actual deal, not a generic estimate.
03

Application & Approval

We prepare your commercial loan application and deal with the lender directly, including any valuation or documentation the lender requires.
04

Receive Your Funds

Once approved, we stay involved through to settlement, so nothing gets missed at the last step.

Why Choose Lendwise for Your Commercial Loan

I’m Rajeev Vij, the commercial finance broker behind Lendwise. Here’s what you get when you work with me.

Real home loan options, not one bank's list.

We compare a panel of commercial mortgage lenders, including banks and specialist non-bank lenders, so a deal that doesn't fit one lender's criteria still has somewhere to go.

The same point of contact, start to finish.

You deal with the same contact for your commercial loan from the first conversation through to settlement, not a different person at every stage.

Usually free to you.

In many cases, we're paid by the lender once your commercial loan settles. If that's different for your deal, we'll tell you clearly before you commit to anything.

We stay in touch after settlement.

Commercial finance often needs revisiting as a business grows or a lease changes, so we check in rather than disappearing once the loan is funded.

Our Commercial Loan Services

Help buying or refinancing your business premises, for business owners purchasing or refinancing owner-occupied commercial property.
Finance for a wider property portfolio, for property investors purchasing commercial or mixed-use property as part of a bigger portfolio.
SMSF commercial property finance, for SMSF trustees looking to purchase commercial property through their super fund.
Finance for business growth, for businesses funding a fit-out, expansion, or a purchase tied to new equipment or premises.
Model home and keys representing home loan broker services in NSW

Talk to a Commercial Broker in Sydney

If any of that sounds like where you're at, the next step is a quick conversation, not a commitment. We'll go through your deal and tell you honestly what your options look like.
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Frequently Asked Questions

What is a commercial loan?

A commercial loan is finance used to buy, refinance, or develop a property that isn't a standard home, things like an office, warehouse, retail space, or a property held through an SMSF. It's assessed differently to a home loan, with more weight on the property and the deal itself, not just your personal income.

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

Commercial loans are generally assessed on the property and the deal itself, not just your personal income, and they often come with shorter loan terms and larger deposit requirements. Lender criteria also vary more between commercial lenders than they do for standard home loans.

Is a commercial broker the same as a commercial mortgage broker?

Yes, these terms are generally used interchangeably, along with commercial finance broker. All three describe someone who arranges commercial property finance through a panel of lenders, rather than a bank that can only offer its own products.

Can I use my SMSF to buy a commercial property?

In many cases, yes, an SMSF can borrow to buy commercial property, including a property your own business operates from, under specific borrowing rules. This is general information, not financial or SMSF advice, and it's worth speaking with your accountant or financial adviser alongside us before deciding.

How much deposit do I need for a commercial loan?

Commercial loans usually need a bigger deposit than a home loan, commonly somewhere between 20% and 35% of the property value, depending on the property type, the lender, and your situation. We can walk you through what's realistic for your specific deal.

Is it better to use a commercial loan broker or go straight to a bank?

It depends on what you need. A bank can only offer its own commercial lending policy, which might not fit your specific deal. A commercial broker compares options across a panel of lenders, including specialist non-bank lenders that don't rule out deals on the same narrow criteria a bank might.

Do you help with commercial finance after settlement?

Yes. Commercial finance often needs revisiting as a business grows or a lease changes, so we stay involved and check in over time rather than stepping away once the loan is funded.