Loanworx is a senior-led finance brokerage. We arrange home loans, commercial finance and asset finance for clients right across Australia, comparing the whole market instead of pushing any one lender’s product.
Every client works with an experienced broker who structures the loan around your goals and stays with you well past settlement. It’s finance advice with a longer view, and it’s the thinking behind our Zero Debt Club.
Commercial lending rewards knowing the market and presenting the deal well. Going direct to one bank means one credit policy; we bring the whole market and the structuring to match. Here’s what sets us apart.
With access to a wide panel spanning the major banks, second-tier lenders, non-bank funders and specialist commercial lenders, we compare the market in one go. We know which lenders suit which deal types and structures, and we point your application to the ones most likely to approve at the strongest terms.
Commercial finance is won or lost on structure and presentation. You deal with experienced brokers who understand trusts, companies, partnerships, security and serviceability, and who shape the application and the credit submission before anything is lodged.
We expect to work alongside your accountant, solicitor and other advisers, presenting your financials and structure to the lender accurately rather than forcing your business into a generic application. Coordinating the moving parts is part of the job.
We cover the full range of commercial finance an Australian business is likely to need. Select the service that fits your situation, or get in touch and we’ll point you in the right direction.
Borrow inside your self-managed super fund to acquire commercial property under a limited recourse borrowing arrangement.
Vehicle and fleet finance through chattel mortgage, lease or hire purchase, structured for your cash flow and tax position.
Short-term finance to bridge the gap between buying and selling, or to cover a timing shortfall in the business.
Funding to buy a business or practice, including goodwill where the deal and the lender support it.
Finance to acquire or refinance commercial investment property across office, retail, industrial and specialised assets.
Funding for residential and commercial development, from small builds through to multi-stage projects.
Review and refinance existing commercial debt to sharpen the rate, release equity or restructure the facility.
Overdrafts, lines of credit and cash-flow facilities sized to your real working capital cycle, not a generic formula.
We arrange commercial finance for businesses across a broad range of industries, from sole operators through to established multi-entity groups. These are the sectors we work with most.
Investors acquiring or refinancing commercial property, and developers funding residential or commercial projects from a single build to a multi-stage development.
Accounting, legal, medical, dental and other professional practices funding premises, partner buy-ins, acquisitions, fit-out and equipment.
Builders, subcontractors and trade businesses funding vehicles, plant and equipment, and managing the cash-flow cycle between jobs and progress claims.
Shops, cafes, restaurants and hospitality operators funding premises, fit-out, equipment and the seasonal working capital their trade demands.
Medical, dental, veterinary and allied health practices funding premises, practice acquisitions, equipment and expansion.
Established small and medium enterprises and family businesses across manufacturing, wholesale, transport and services, funding growth, assets and working capital.
Used well, commercial finance does more than fund a purchase; it lets a business grow without surrendering control or starving its cash flow. These are the core benefits.
Borrowing lets you fund premises, acquisitions, equipment or expansion without bringing in investors or giving up equity. You keep full ownership and control of the business while still accessing the capital to grow it.
Structured repayments spread the cost of a major purchase over its useful life, rather than draining your working capital in one hit. The right facility matches the repayment profile to how the asset or investment actually earns.
Equity in property, plant or the business itself can be used as security to access larger or cheaper funding than unsecured borrowing allows. The right structure puts that equity to work without over-exposing the business.
Different facilities, such as chattel mortgages, leases and hire purchase, carry different tax and accounting treatments, and interest on business borrowing may be deductible. The specifics depend on your circumstances, so we coordinate with your accountant to align the structure with their advice.
Commercial finance isn’t one product. Property, equipment, vehicles, acquisitions, development and working capital each have their own facilities, terms and lenders, and they can be combined and sequenced as the business grows. Matching the right facility to each need, and the right lender to each facility, is where the real value sits, and it’s exactly what a specialist broker does.
Commercial finance isn’t only about the headline rate. It’s about being matched to a lender that will approve you, structuring the facility so it suits the business long term, and having someone manage the process. Here’s what working with us looks like.
We compare commercial facilities across a broad panel of major banks, second-tier lenders, non-bank funders and specialist commercial lenders, so you see a genuine spread of options. We match the deal to the lender most likely to approve it at a competitive rate, which often isn’t your everyday bank.
You deal with experienced brokers who expect to see trusts, companies, partnerships, partner distributions and complex security. We know how to present your structure and income to a lender accurately, rather than force-fitting it into a generic application.
From the first conversation to settlement, we prepare the submission, liaise with the lender, coordinate with your accountant and solicitor, and keep you updated at each stage, so the deal keeps moving and you’re never chasing it.
For most commercial transactions, Loanworx is paid an upfront and trail commission by the lender after settlement, and that commission typically does not change the rate or fees you pay. For more complex scenarios a fee for service may apply, and we’ll disclose it in writing before any work begins. No surprises.
Commercial finance is funding for business purposes rather than for an owner-occupied home. It covers commercial property purchases and refinances, business acquisitions, property development, vehicle and equipment finance, and working capital facilities like overdrafts and lines of credit. In short, if it’s funding the business, its premises, its assets or its cash flow, it sits under commercial finance. We help you work out which facility fits your need.
Commercial loans are assessed on the business and the deal, not just personal income, so lenders look at the financials, the structure, the security and the serviceability of the business. Terms are generally shorter, loan-to-value ratios are usually lower than home loans, and pricing is set deal by deal rather than from a standard rate sheet. There’s far more variation between lenders, which is why comparing the market and structuring the application well matters so much.
It depends on the asset, the security, the lender and your financials. As a broad guide, commercial property is commonly funded up to around 65% to 75% of value, with higher LVRs available for some owner-occupiers and specialist scenarios. Other facilities, like equipment, vehicle and working capital finance, are sized against the asset or the cash-flow cycle rather than a property value. We’ll give you a realistic figure for your specific situation.
It varies by facility. Property finance is secured against the property; equipment and vehicle finance against the asset; and working capital facilities may be secured against property, debtors or business assets, or in some cases offered unsecured at a higher rate. Personal guarantees from directors are common. We structure the security to support the strongest terms while keeping the business sensibly protected, and explain exactly what’s being offered before anything is signed.
For most commercial transactions, we’re paid an upfront and trail commission by the lender after settlement, and that commission typically does not change the rate or fees you pay. For more complex scenarios, such as development funding, private lending and certain non-bank facilities, a fee for service may apply, and we always disclose it in writing before any work begins. No surprises.
It depends on the facility and the complexity. Straightforward equipment or vehicle finance can settle quickly, sometimes within days, while commercial property, acquisitions and development funding typically take several weeks because they involve valuations, more detailed financials and more parties. We give you a realistic timeline upfront and flag anything that could slow it down, so you can plan around it.
Often, yes. Newer businesses, trust and company structures, partner distributions and complex financials are normal in commercial lending, and different lenders treat them very differently. Some are far more comfortable than others. The value we add is matching your situation to a lender whose policy fits it and presenting your financials and structure accurately, rather than letting a generic application undersell the business.
Yes, and it’s worth reviewing if your facility hasn’t been looked at in a few years. Refinancing can sharpen the rate, release equity, reset or restructure the facility, or move you to a lender that better suits the business. We weigh any break or switching costs against the benefit before recommending a move, so you only refinance when it genuinely leaves the business better off.
Talk through your scenario with a specialist commercial broker, with no cost and no obligation. Call us on 1300 562 696 or get in touch and we’ll be back to you shortly, ready to map out what’s possible for your business.
Disclaimer: The information provided here is general in nature and should not be considered financial, tax or legal advice. You should consult your professional advisers, such as your accountant, solicitor and financial planner, to see whether a particular finance strategy is suitable for your business, ahead of a discussion with us that will be limited to how to arrange any funding required.
