Commercial Finance
Commercial lending decisions carry more weight than residential ones. The structure you choose affects your cash flow, your tax position and your ability to borrow again when the next opportunity comes up.
We help business owners, investors and developers across the South Coast access commercial finance and business loans that fit the way they actually operate, not just the way a standard application form assumes they do.
The Right Commercial Finance Structure Changes What Is Possible
Most business owners approach commercial lending the same way they approach their home loan. They go to their bank, take what they are offered and work around the constraints. The problem is that commercial lenders have very different appetites, very different products and very different criteria depending on the transaction.
The broker who got you your home loan may not know which lenders are genuinely active in commercial property, development finance or business acquisition lending. We do. And that knowledge is often the difference between a transaction that proceeds and one that stalls.
Commercial Finance Broker Services
We help business owners and investors across the South Coast with a wide range of commercial lending needs, including:
Commercial property loans for the purchase of offices, warehouses, retail premises and industrial sites
Business loans for working capital, expansion or acquisition
Commercial construction finance for development projects
Refinancing existing commercial debt to improve terms or access equity
SMSF commercial property loans for business owners purchasing their own premises through super
Specialist commercial lending for complex or non-standard transactions
Commercial Property Loan Broker
Purchasing a commercial property is one of the most significant financial decisions a business owner or investor can make. Commercial property loans work differently to residential mortgages. Loan to value ratios are typically lower, interest rates are higher and lenders assess the income-producing capacity of the property as part of their decision.
We work with business owners purchasing their own premises, investors buying commercial property for income and developers looking to finance commercial construction projects. Each has different requirements and as an experienced commercial property loan broker in NSW, we tailor our approach accordingly.
Business Loans for South Coast Operators
Whether you need working capital to manage cash flow, funding to expand your operations or finance to acquire another business, the right business loan structure depends heavily on the nature of your business, your existing debt position and your revenue history.
We work with business owners across a range of industries to identify the most appropriate lending structure, compare options across our lender panel and manage the application process from start to approval.
Commercial Finance for Complex Transactions
Not all commercial lending fits neatly into a standard application. Development finance, mezzanine lending, bridging loans and transactions involving trusts, companies or self-managed super funds all require lenders with specific appetite and expertise in those areas.
We have experience structuring complex commercial transactions and know which lenders are genuinely active in each space. If your transaction has moving parts, that is exactly where an experienced commercial finance broker adds the most value.
Refinancing Commercial Debt
If you are carrying commercial debt on terms that no longer reflect the current market, or if your property has increased in value and you want to access that equity, refinancing your commercial lending can meaningfully improve your position.
We review your existing commercial loan structure, assess what is available across the market and run the numbers on whether switching makes financial sense before recommending any move.
Why Businesses Choose Shorebreak Finance
We are a locally owned finance broker based in Berry. We are not tied to any single lender or institution, which means our recommendations are based entirely on what works best for your business.
Commercial lending decisions carry significant consequences and we take that seriously. We take the time to understand your business, your goals and your existing financial position before making any recommendation. Many of our commercial clients came to us first for a home loan or investment property. That existing understanding of their financial position means we can move faster and structure better when they come to us with a commercial need.
“I highly recommend Ron, Josie and the team at Shorebreak Finance. I have used them for 2 projects so far and other members of my family have used their services as well. I wouldn't hesitate to use them in future. They work hard to get tricky scenarios over the line and on time. Good, trustworthy people.”
— Miles L.
Relationships that speak for themselves
"The service we received from Shorebreak Finance was seamless. Communication was fast, clear and always supportive. We feel we now have a long term plan with goals to achieve that will continue to better our financial position. And I'm enjoying a new car thanks to Ron's help. We look forward to continuing our relationship with Shorebreak Finance over many years to come."
— Brooke R.
“Highly recommend Ron! He takes the time to explain everything thoroughly and made everything so simple and seamless for us. He has opened up our world with options for our future. Really happy to have worked with him and looking forward to working with him in the future!”
— Perin L.
Let's Talk Commercial Finance Over Coffee
Whether you have a specific transaction in mind or you are just starting to explore your options, we are happy to sit down and work through what is possible.
