Commercial Broker Sydney | Commercial Loans, Property Finance & Business Lending

If you are searching for a Commercial Broker in Sydney, you need a broker who understands how commercial credit is assessed, structured and negotiated not just submitted.

Soren Financial is a Sydney commercial broker specialising in commercial property finance, business loans and development funding across Greater Sydney and NSW.

We work with business owners, commercial property investors, developers and SMSF trustees who require properly structured commercial lending solutions.

Commercial Broker Sydney – Structured Commercial Lending Solutions

As a Commercial Broker Sydney, we arrange:

• Commercial Property Loans Sydney

• Business Loans Sydney

• Commercial Mortgage Refinancing

• Development Finance Sydney

• Construction Finance NSW

• Asset & Equipment Finance

• SMSF Commercial Property Loans

Commercial lending is not automated. It is credit-assessed manually and priced according to risk, asset strength and cash flow. Choosing the right commercial mortgage broker in Sydney can materially impact approval outcome, pricing, facility structure and flexibility.

Commercial Property Finance Sydney

We arrange commercial property loans in Sydney for offices, warehouses, industrial assets, retail premises, medical suites, childcare centres and mixed-use developments.

Commercial property finance is structured based on:

• Loan-to-value ratio (typically 65–80%)

• Net rental income

• WALE (Weighted Average Lease Expiry)

• Tenant covenant strength

• Business performance (owner-occupied property)

Loan terms typically include 3–5 year commercial loan terms, 15–25 year amortisation and risk-based pricing. Not all lenders are actively funding all asset classes at all times – we assess lender appetite before submitting your deal.

Business Loans Sydney & Working Capital Finance

For Sydney SMEs, we arrange term business loans, revolving credit facilities, overdrafts, debtor finance, trade finance and unsecured business lending. Lenders assess two to three years financial statements, BAS reporting, debt service coverage, existing liabilities and industry exposure. A structured credit submission improves approval probability – we position your business correctly before engaging lenders.

Development Finance Sydney

We assist Sydney developers with townhouse developments, apartment projects, mixed-use developments, commercial construction and land subdivision projects. Development finance typically requires feasibility analysis, pre-sales coverage, quantity surveyor reporting, experience assessment and contingency allowances. We work with senior banks and specialist development funders depending on project size and complexity.

Asset & Equipment Finance Sydney

We arrange funding for vehicles, plant & machinery, medical equipment, commercial fit-outs and technology infrastructure. Correct structuring can preserve working capital and improve cash flow.

Refinance Commercial Property Sydney

If you currently hold a commercial mortgage, refinancing may improve interest rate, loan structure, equity release, cash flow and facility flexibility. We regularly assist clients refinancing commercial property in Sydney, particularly where loan terms are expiring, pricing is above market, business cash flow has improved or portfolio restructuring is required.

Why Use a Commercial Mortgage Broker in Sydney?

Approaching one bank limits leverage. Commercial lenders adjust appetite based on sector exposure, asset concentration, funding costs and credit policy. As a Commercial Broker Sydney, Soren Financial compares major banks and non-bank lenders, identifies appetite before submission, structures facilities strategically and negotiates pricing and terms. The difference between approval and decline often comes down to structuring and presentation.

Our Commercial Lending Process

1. Strategy discussion – review financials, asset details and objectives.

2. Structuring – determine facility type, amortisation, security position and exit strategy.

3. Lender selection – approach lenders with appetite for your asset and industry.

4. Credit submission – detailed, structured submission.

5. Settlement – coordinate valuation, reports and legal documentation.

Frequently asked questions: Commercial Broker Sydney

What deposit is required for commercial property in Sydney?

Most purchases require a 20–35% deposit depending on asset type and lease strength.

Are commercial loan rates higher than residential rates?

Yes. Commercial loan rates are risk-based and reflect business-purpose lending.

How long does commercial loan approval take in Sydney?

Typically 3–6 weeks depending on complexity and documentation.

Can I refinance commercial property in Sydney?

Yes. Refinancing can improve pricing and restructure facilities but also the loan terms and the number of times that your loan is reviewed by the lender.

Can I purchase commercial property through an SMSF?

Yes, subject to SMSF compliance and lender policy.