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.

Certificed Members

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

Need to purchase an office building, retail space, industrial property, or warehouse? Commercial property loans are specifically designed for business real estate purchases. We connect you with brokers who understand commercial property valuation, lease agreements, and the specific lending criteria different lenders apply to different property types. They’ll help you navigate LVR requirements (typically 60-70% for commercial properties) and find terms that work for your business’s cash flow.

Development Finance

Building something from scratch or subdividing land? Development loan specialists understand construction finance inside and out. They know which lenders fund different development types, how progress payments work, and how to structure finance that covers both the build and your exit strategy. Whether it’s a residential subdivision, commercial construction, or mixed-use development, the right broker makes a complex process manageable.

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

Here’s where we’re different. We don’t just assign you to whoever’s available. We look at your specific situation and connect you with a commercial financing broker who specialises in exactly what you need.

Need a commercial finance franchise loan? We’ll match you with someone who understands franchise agreements and franchise-specific lending. Looking at rural commercial property? You’ll speak with a broker who knows rural lending criteria inside and out.

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.

At Selectabroker, we bridge the gap between opportunity and success for first-time and seasoned borrowers alike.

Chris Norton

Selectabroker Director

Empowering our clients with the right financial tools is more than a job—it's our mission.

Craig Gadsden

Selectabroker Director

Aged Care Finance

Backpacker Building's

Financial Planning Loans

Insurance Agent Loans

It Loans

Leaseback Loans

Liquor Store Loans

Management Rights Loans

Manufacturing Loans

Marine Loans

Mechanical Workshop Loans

Property Management Loans

Pub Loans

Real Estate Agency Loans

Rent Roll Loans

Restaurant Loans

Retail Property Loans

Seafood Shop Loans

Self Employed Loans

Self Storage Unit Loans

Service Station Loans

Serviced Apartment Loans

Shopping Centre Loans

Taxi Plate Licence Loans

Transport Loans

Truck Dealership Loans

Tyre Service Loans

Warehouse Loans

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.

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)

The bottom line? You get more options, better expertise, and someone on your side – all at no cost to you. We’re not saying banks are bad. We’re saying having a specialist commercial finance broker in your corner gives you a significant advantage.

Ready to speak with the right broker for your situation? Book your free 15-minute consultation today.

Our goal is simple: to match every client with the perfect financial solution for their unique journey.

Craig Gadsden

Selectabroker Director

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!

Ready to take the next step?

Wherever You Are in Your Loan Journey, We're Here to Help

Discuss Your Options with a Real Person

Chat with a lending agent

Looking to explore your home loan options? Give us a call. We're available 7 days a week till 9pm

Let's Chat Loans Call Me Back

Real advice. Real humans. No fuss.

We’ll ring you back with tailored tips, simple answers, and zero pressure.

Calculate Your Borrowing Power

See How Much You Could Borrow

Estimate how much you may be eligible to borrow based on your income and expenses.

Just a few of our happy customers

Trusted by 1000's of Australian Entrepreneurs & Business Owners

Jennifer P

Melbourne, VIC

Selectabroker made my expansion seamless. They connected me with a broker who truly understood my business requirements, helping me secure funding quickly and stress-free.

Thank you Selectabroker!

James B

Brisbane, QLD

Selectabroker were terrific! They put me in touch with Trevor who was very well versed in complex portfolios and understood my challenges. He guided me to the right loan, enabling me to expand confidently in a competitive market.

Xavier S.

Perth, WA

Selectabroker connected me with an expert broker who understood my development goals. Their seamless process helped secure the ideal loan for my situation in no time at all.

Great work guys!

Commercial Loan FAQs

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.

Specialist Commercial Finance Broker in Australia

We Match You with Specialist Commercial Finance Brokers

Why Use a Commercial Finance Broker?

Access to Multiple Lenders and Products

Better Rates Through Established Relationships

Save Time (and Your Sanity)

Expert Guidance Through Complex Applications

Truly No Cost to You

Specialist Knowledge vs Generalist Bank Staff

What is a Commercial Finance Broker?

Broker vs Going Direct to Your Bank

Australia's brokers settled $78 billion in commercial loans last year.

Commercial Finance Solutions We Offer

Commercial Property Loans

Development Finance

Business Loans

Equipment and Asset Finance

SMSF Lending

Bridging Finance

How Our Broker Matching Works

Step 1: Free 15-Minute Consultation

Step 2: We Match You with a Specialist Broker

Step 3: Your Broker Presents Tailored Options

Step 4: Application Support Through to Settlement

Explore the Full Range of Commercial Finance Solutions

Commercial Property Loans:

Development Finance:

Equipment Finance:

Cash Flow Solutions:

Asset Finance:

Self-Managed Super Fund (SMSF) Lending:

Who We Help

SMEs & Small Business Owners

Property Developers

Self-Employed Professionals

First-Time Commercial Borrowers

Established Businesses Expanding

The Selectabroker Advantage

Why Use Selectabroker to Secure Business or Commercial Funding

MFAA Member

FBAA Approved

Expert Guidance at Your Fingertips

Personalised Consultations

Detailed Proposals & Support Tools

Multiple Communication Channels

Wherever You Are in Your Loan Journey, We're Here to Help

Discuss Your Options with a Real Person

Chat with a lending agent

Let's Chat Loans Call Me Back

Real advice. Real humans. No fuss.

Calculate Your Borrowing Power

See How Much You Could Borrow

Commercial Loan FAQs

How much does using a commercial finance broker cost me?

What's the difference between a commercial finance broker and a mortgage broker?

How long does commercial finance approval take?

What's the typical LVR for commercial property loans?

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Craig Gadsden

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