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Business & Commercial Finance

Tailored finance for all your business needs

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Your independent lending expert
My Finance Agent is your FBAA Finance Broker of the Year for NSW & ACT
FBAA Finance Broker of the Year (NSW & ACT) 2023
My Finance Agent wins Best Professional Services in the Local Business Awards Sydney
Local Business Awards Winner Best Professional Services (Sydney) 2019 & 2024
Five star Google Reviews -  Best mortgage broker Sydney & Bathurst - My Finance Agent
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5.0 CUSTOMER RATING
150+ reviews
FBAA FINANCE BROKER OF THE YEAR (NSW &ACT) 2024
Australia's award-winning mortgage broker My Finance Agent

Finance solutions for business

Professional, courteous, responsive and especially always straightforward. I always felt they were 100% honest with me. In this volatile climate, honesty from your broker should never be underestimated. —Mal

HUNDREDS OF HAPPY CUSTOMERS

Our mission is to see your business prosper.

BUSINESS LOANS THAT SUPPORT YOUR GOALS

We take a strategic approach, working with you and your existing advisors to understand your situation and goals. Our lending expertise makes a unique and valuable contribution, often opening up previously unconsidered options and opportunities.

Whether you need a lump-sum loan for a project or property purchase, or revolving credit to manage cash flow, we are your trusted link to specialist commercial lenders who, like us, are attuned to your business needs.

Our goal is to give you confidence in your business decisions, streamline the finance process, and result in your business thriving.

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Get a commercial loan with Sydney's best mortgage broker

What sets us apart as brokers?

Commerical and business lending expertise
My Finance Agent NSW Mortgage Broker of the Year
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5.0 CUSTOMER RATING

150+ reviews 

We succeed when you succeed

You can rely on us to ensure that the finance process goes smoothly.

Paperless process

Forget about the stress of a paper chase. Our document management process is nearly 100% electronic for your convenience, privacy and peace of mind.

Smooth settlement process

We coordinate with you and your parties, as well as the vendor's representatives, to make sure everything goes smoothly.

Follow up care & appreciation

Where other brokers wave goodbye, we turn up with a housewarming gift. We also conduct post-settlement check-ins and annual reviews for the life of your loan.

Customised strategy

Owning assets can open up all sorts of wealth-building opportunities. If you are interested in investing, retiring, growing a business, or  simply paying off your mortgage sooner, we can help to devise a customised strategy.

Other brokers write loans. We are lending experts who help businesses grow by formulating bespoke loan solutions.
We don't stop at settlement. Each year, we review your loan to ensure that it still fits, and that you benefit from competitive rates and the right features.
Risk management
We know business loans are a big commitment, particularly if owners offer personal securities. We help you fully assess the potential risks to miminise exposure.
Candour & transparency
Our recommendations are formulated with candour and transparency. We will always detail our analysis and propose alternatives where we believe that better options exist.
Maximum returns
We work with you, your accountant and finance team to ensure that your loan arrangements are structured for maximum tax efficiency and minimum interest exposure.
Problem solvers
We don't shy away from complex situations. We collaborate with you and your team to fully understand your goals and priorities. Oftentimes, we model numerous different approaches for consideration.

Business & Commerical Loan FAQs

We're here to answer all of your questions.

  • Lenders generally look at several key factors to determine eligibility for a business loan. They evaluate the financial health of the business, including its credit history, revenue, and cash flow, to ensure the business can comfortably meet loan repayments. The length of time the business has been operating is also important, with established businesses often viewed more favourably.

    In terms of securitising the loan, if the business lacks sufficient assets, such as property, equipment, or inventory, lenders may require the business owner to provide a personal guarantee or use a personal asset (like residential property) as collateral. This means that the owner could be personally liable if the business defaults on the loan.

    This requirement will depend on the lender and the specific loan product, but it's something we will carefully explain and help you navigate to ensure you understand your obligations and options.

  • Lenders typically require several key documents when you apply for a business loan. First, you'll need to provide proof of business registration, such as your ABN or ACN, along with identification for the business owner(s). To assess your business' financial health, lenders will ask for recent financial statements, including profit and loss statements, balance sheets, and tax returns, as well as bank statements to verify cash flow.

    If the loan requires security, you'll need to provide documentation proving ownership of the asset or collateral being offered, and in some cases, a professional valuation of the asset may be required.

    The exact documentation can vary by lender and the type of loan, but we will guide you through the process to ensure all necessary paperwork is in order.

  • After confirming your needs, we will research lenders and submit your application. Once approved, we will review the loan contract with you and help to coordinate the release of funds.

    Following settlement, we remain in touch to check that the loan is set up properly and running smoothly. We then conduct a loan review every year to ensure that your rate, terms and loan features are always market-leading for your situation.

  • Depending on the complexity of the situation, generally speaking a commercial loan could take one to four weeks, from application to settlement of funds.

  • The loan fees may include establishment fees and valuation fees. Our job is to ensure that all fees and charges are factored into consideration before we make our recommendation(s) to you.

  • Understanding your aims and then assessing your financial situation is the first step to formulating your business's borrowing needs and capacity. We recommend scheduling a consultation to initiate discussions.

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Talk with a lending expert

Experience the award-winning difference

Tailored finance for specialised business sectors

Do you have niche needs? We can help with bespoke loans that are designed to accommodate tailored loan and repayment structures across specialised industries, such as:

• Commercial property
• Hospitality (pubs and hotels)
• Aged care, health and medical
• Childcare and education
• Petrol stations
• Gyms and fitness centres
• Rural enterprises

Business or commercial loans with Sydney's best mortgage broker My Finance Agent

Emma & Simon used a loan to grow their fitness business

Best finance broker Australia
Find a Sydney professionals with My Finance Agent's help
Professional Network

From conveyancers to IT support and industry specialists, we can connect you with reliable experts to meet your needs.

Financial education resources by My Finance Agent Sydney
Tools and Support

Information gives you an edge in business. Stay up-to-date with news, updates, and expert advice for better decisions.

Business Finance Tools & Resources

We support you every step of your financial journey

Events and seminars hosted by  My Finance Agent Sydney and Bathurst
VIP Events & Seminars

Join us at in-person events where we bring together Australia's top finance, business and property experts.

Where other brokers lean out, we lean in

Work with a professional lending expert who cares about you and your financial future

Your home loan is always competitive with My Finance Agent

Annual Loan Reviews

We keep fighting for a better deal for you.

You get a customised lending strategy with My Finance Agent.

Customised Strategy

Loan solutions tailored around your goals.

My Finance Agent empowers you with quality financial education

Events & Education

Tools to make strong financial decisions.

My Finance Agent thanks clients with VIP perks

Client Appreciation

VIP perks are standard for every client.

My Financial Coach learning zone and tools

My Financial Coach

Quality information supports quality decision-making. From simple explanations to expert insights, our goal is to help you navigate the world of lending with confidence.

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