Commercial Broker Sydney
Commercial lending for Sydney business owners, investors and developers
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.
Mansour Soltani
Director | Commercial Finance Specialist
With more than 20 years of experience in commercial property and finance, Mansour Soltani helps business owners, investors and developers secure funding for commercial property purchases, refinancing, construction and development projects.
As Director of Soren Financial, he works with major banks and specialist commercial lenders to structure finance that supports business growth, property investment and long-term wealth creation. His practical understanding of commercial credit policy helps clients navigate complex lending scenarios with confidence.
Commercial Broker Sydney services
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. Every application is credit-assessed manually and priced according to risk, asset strength and cash flow. That’s why we compare commercial lending products from Australia’s major banks and specialist non-bank lenders to get the strongest possible approval outcome, pricing, facility structure and flexibility.
Commercial property finance Sydney
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)
Commercial property loans are typically structured with 3–5 year terms, 15–25 year amortisation periods and risk-based pricing. Not all lenders are actively funding all asset classes at all times – we assess lender appetite before submitting your deal.
We arrange commercial property loans in Sydney for offices, warehouses, industrial assets, retail premises, medical suites, childcare centres and mixed-use developments.
Commercial finance broker Sydney: what we arrange
As a commercial finance broker, we structure funding across the full range of business and property lending, not just one product type. As a commercial loan broker, we also handle straightforward secured lending: commercial property purchases, refinances, and asset-backed facilities where the security and serviceability are clear-cut. Whichever describes your deal, the process is the same: a manual credit assessment, priced on risk, asset strength and cash flow, with a lender shortlist matched to your industry and structure.
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 going to 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 and machinery, medical equipment, commercial fit-outs, technology infrastructure and invoice finance. Correct structuring can preserve working capital and improve cash flow.
Refinance commercial property Sydney
If you currently hold a commercial mortgage, refinancing may improve your 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 choose Soren Financial as your commercial broker in Sydney?
As a leading commercial broker in Sydney, Soren Financial compares major banks and non-bank lenders, identifies appetite before submission, structures facilities strategically and negotiates pricing and terms.
Approaching one bank limits your options and negotiating leverage. Commercial lenders adjust appetite based on sector exposure, asset concentration, funding costs and credit policy. The difference between approval and decline often comes down to how your application is structured and presented, as well as having access to the right lenders.
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.
Commercial broker services across Sydney
Our commercial finance brokers work with businesses, investors and developers across Greater Sydney, including:
| Sydney CBD | Inner West |
| North Sydney | Northern Beaches |
| Parramatta | South Sydney industrial precinct |
| Western Sydney |
Frequently asked questions about commercial broker Sydney
What deposit is required for commercial property in Sydney?
Most commercial property purchases require a 20–35% deposit depending on the asset type, the strength of the lease and the lender’s risk assessment. For example, a standard industrial warehouse may require a 20% deposit, while a specialised asset like a childcare centre may require 35%+.Are commercial loan rates higher than residential rates?
Yes. Commercial loan interest rates are typically higher than residential mortgage rates. Commercial property loan rates in Australia generally start from around 6.5–7.0% p.a. for low-risk borrowers, but can exceed 10–15% p.a. for specialised properties, higher-risk businesses or non-bank lending. Loans secured against residential property generally attract lower interest rates because residential property is considered lower risk by lenders.How long does commercial loan approval take in Sydney?
Broker commercial loans typically take 3–6 weeks to be submitted and approved, depending on the complexity of the scenario and documentation required.Can I refinance commercial property in Sydney?
Yes. Refinancing a commercial property loan can improve rate pricing, restructure facilities and negotiate more suitable loan terms. It may also reduce how often the lender reviews the loan, which can give borrowers more certainty and flexibility.Can I purchase commercial property through an SMSF?
Yes. You can buy commercial property through your SMSF, subject to superannuation rules and lender criteria. An SMSF can purchase commercial premises for your own business to occupy (provided it’s done on commercial terms), or acquire a commercial property to generate retirement savings/income. We regularly arrange SMSF commercial property loans and work directly with accountants on complex lending structures.Speak with a commercial broker
If you’re purchasing commercial property, refinancing an existing commercial mortgage or funding business growth, speak with Soren Financial. Book a confidential strategy discussion.
Why choose Soren Financial?
- Access to 40+ commercial lenders
- Commercial property, business and development finance specialists
- Tailored lending structures for complex scenarios
- Experienced with owner-occupied, investment and SMSF lending
- End-to-end support from strategy through to settlement