Smart Lending for Growing Businesses

Whether you’re purchasing a commercial property, managing a development or growing your business – we’ll match you with the funding that gets it done.

Business finance isn’t one-size-fits-all. We take time to understand your strategy, industry, and risk profile – then source the smartest lending solutions across banks, non-banks and private lenders.

Pick your journey

Commercial Purchase or Refinance

Buying a commercial property for your business or investment?

Refinancing to unlock equity or secure a sharper rate? We’ll handle the complexity and make sure the structure suits your long-term goals – whether it’s an office, retail, industrial or mixed-use space.

What’s the deposit requirement for commercial property?

Typically 20–30%, but we work with lenders offering tailored solutions depending on the asset and your financials.

Is the approval process longer than for residential loans?

It can be, especially for complex deals – but we manage every step to keep things moving quickly.

Can I refinance a commercial loan to release equity?

Yes – refinancing can improve cash flow, reduce repayments or fund expansion. We’ll assess the right time and lender.

Do I need to provide a lease agreement?

If you’re purchasing as an investor, yes. If you’re the owner-occupier, we’ll present your business financials instead.

Build Big: Development Finance

From duplex projects to multi-stage subdivisions, we help developers secure funding for acquisition, construction and completion.

Whether you need bank funding or private capital, we structure deals that work for the real world – including presales, valuations and equity contributions.

Do I need presales for development finance?

Not always. We work with lenders who offer flexibility.

Can I use land as equity for the development?

Yes – land value can form part of your contribution depending on valuation and LVR.

How are drawdowns managed?

They’re released in stages as work is completed, with progress inspections by quantity surveyors or valuers.

What if I haven’t developed before?

It’s still possible – especially with the right team and strategy in place. We’ll help strengthen your application and support your experience.

Alternative Access: Non-Bank & Private Loans

Need faster approval, more flexible lending criteria or a bespoke solution?

Non-bank and private lenders can offer short-term or creative finance when banks say no. Ideal for bridging, time-sensitive deals, or clients with unique financials.

How fast can private finance be approved?

Sometimes within 24–72 hours. We’ll guide the process for a fast turnaround.

Is non-bank lending more expensive?

Rates are typically higher, but so is flexibility. We’ll only recommend it if it’s the right strategic move.

Do I need full financials?

Not always. Many private lenders accept alternative documentation.

What can I use private loans for?

Property purchases, bridging, urgent business needs, ATO debts – we’ll tailor it to your goals.

Business Essentials: Asset Finance

Need vehicles, machinery or tech to keep your business running?

Asset finance gives you access without tying up working capital. We’ll compare lenders and find the best rate and repayment terms for your needs.

What assets can I finance?

Vehicles, tools, equipment, IT systems, office fit-outs – almost anything business-related.

Is asset finance available to startups?

Yes – especially with a solid business plan or financial backing.

How long does it take to get approved?

Often within 1–2 business days with the right documents.

Are repayments tax deductible?

In many cases, yes. We recommend chatting with your accountant to confirm your structure.

Long-Term Strategy: SMSF Finance

Your super can be a powerful tool for property investment.

We’ll help your SMSF access funding for commercial property while meeting the strict compliance and structuring requirements lenders demand.

Can my SMSF buy commercial property?

Yes – We’ll guide you on eligibility.

What’s the maximum LVR for SMSF loans?

Typically 70–80%, depending on the lender and asset. Sometimes more depending on your situation.

Can my business lease the property from my SMSF?

Yes – if structured correctly. It’s a common strategy we can help you with.

Are SMSF loan rates higher than standard loans?

Usually, yes – but we negotiate competitive terms tailored to your fund.

Keep It Flowing: Cash Flow Finance

Need funding to manage expenses, take on new projects, or cover gaps between receivables?

Cash flow lending gives your business breathing room. We’ll assess options like invoice finance, unsecured business loans or overdrafts to keep things moving.

What’s the difference between invoice finance and a business loan?

Invoice finance uses unpaid invoices as security, while loans are usually unsecured or based on turnover.

How quickly can I access funds?

Many cash flow products offer same-day access once approved.

Do I need collateral?

Not always – some lenders base approvals on revenue history or invoices.

Can I repay early?

Yes – and some lenders offer discounts for early repayment.

Pick yours

Commercial Purchase or Refinance

Buying a commercial property for your business or investment?

What’s the deposit requirement for commercial property?

Typically 20–30%, but we work with lenders offering tailored solutions depending on the asset and your financials.

Is the approval process longer than for residential loans?

It can be, especially for complex deals – but we manage every step to keep things moving quickly.

Can I refinance a commercial loan to release equity?

Yes – refinancing can improve cash flow, reduce repayments or fund expansion. We’ll assess the right time and lender.

Do I need to provide a lease agreement?

If you’re purchasing as an investor, yes. If you’re the owner-occupier, we’ll present your business financials instead.

Build Big: Development Finance

From duplex projects to multi-stage subdivisions, we help developers secure funding for acquisition, construction and completion.

Whether you need bank funding or private capital, we structure deals that work for the real world – including presales, valuations and equity contributions.

Do I need presales for development finance?

Not always. We work with lenders who offer flexibility.

Can I use land as equity for the development?

Yes – land value can form part of your contribution depending on valuation and LVR.

How are drawdowns managed?

They’re released in stages as work is completed, with progress inspections by quantity surveyors or valuers.

What if I haven’t developed before?

It’s still possible – especially with the right team and strategy in place. We’ll help strengthen your application and support your experience.

Alternative Access: Non-Bank & Private Loans

Need faster approval, more flexible lending criteria or a bespoke solution?

Non-bank and private lenders can offer short-term or creative finance when banks say no. Ideal for bridging, time-sensitive deals, or clients with unique financials.

How fast can private finance be approved?

Sometimes within 24–72 hours. We’ll guide the process for a fast turnaround.

Is non-bank lending more expensive?

Rates are typically higher, but so is flexibility. We’ll only recommend it if it’s the right strategic move.

Do I need full financials?

Not always. Many private lenders accept alternative documentation.

What can I use private loans for?

Property purchases, bridging, urgent business needs, ATO debts – we’ll tailor it to your goals.

Business Essentials: Asset Finance

Need vehicles, machinery or tech to keep your business running?

Asset finance gives you access without tying up working capital. We’ll compare lenders and find the best rate and repayment terms for your needs.

What assets can I finance?

Vehicles, tools, equipment, IT systems, office fit-outs – almost anything business-related.

Is asset finance available to startups?

Yes – especially with a solid business plan or financial backing.

How long does it take to get approved?

Often within 1–2 business days with the right documents.

Are repayments tax deductible?

In many cases, yes. We recommend chatting with your accountant to confirm your structure.

Long-Term Strategy: SMSF Finance

Your super can be a powerful tool for property investment.

We’ll help your SMSF access funding for commercial property while meeting the strict compliance and structuring requirements lenders demand.

Can my SMSF buy commercial property?

Yes – We’ll guide you on eligibility.

What’s the maximum LVR for SMSF loans?

Typically 70–80%, depending on the lender and asset. Sometimes more depending on your situation.

Can my business lease the property from my SMSF?

Yes – if structured correctly. It’s a common strategy we can help you with.

Are SMSF loan rates higher than standard loans?

Usually, yes – but we negotiate competitive terms tailored to your fund.

Keep It Flowing: Cash Flow Finance

Need funding to manage expenses, take on new projects, or cover gaps between receivables?

Cash flow lending gives your business breathing room. We’ll assess options like invoice finance, unsecured business loans or overdrafts to keep things moving.

What’s the difference between invoice finance and a business loan?

Invoice finance uses unpaid invoices as security, while loans are usually unsecured or based on turnover.

How quickly can I access funds?

Many cash flow products offer same-day access once approved.

Do I need collateral?

Not always – some lenders base approvals on revenue history or invoices.

Can I repay early?

Yes – and some lenders offer discounts for early repayment.

Discovery Call

Tell us what you need, and when you need it.

Strategy Session

We review your goals, deal structure and timelines.

Lender 
Match

We present options tailored to your industry and objectives.

Application & Negotiation

We manage paperwork, negotiate terms, and push for fast approvals.

Settlement & Support

We don’t just help you settle – we help you grow.

Why Choose Finance Lane for Commercial Lending?

We speak commercial fluently.

From retail shops to industrial warehouses, we know what lenders are looking for and how to structure deals that get approved.

Real-world experience.

With over 21 years navigating complex lending environments, we don’t just know the system – we know how to work it.

Options beyond the banks.

We give you access to bank, non-bank and private lenders so you can choose the right fit – not just the available one.

Fast, flexible funding.

We work with lenders that move at your speed – approvals can happen in days, not weeks.

Support that goes the distance.

We don’t disappear after settlement. We’re here for your next move, your next deal, and your long-term growth.

Not just paperwork.

You’re more than just a number to us. We take the time to understand your goals and guide you with clear, honest advice.

Why Choose Finance Lane for Residential Lending?

We speak commercial fluently.

From retail shops to industrial warehouses, we know what lenders are looking for and how to structure deals that get approved.

Real-world experience.

With over 21 years navigating complex lending environments, we don’t just know the system – we know how to work it.

Options beyond the banks.

We give you access to bank, non-bank and private lenders so you can choose the right fit – not just the available one.

Fast, flexible funding.

We work with lenders that move at your speed – approvals can happen in days, not weeks.

Support that goes the distance.

We don’t disappear after settlement. We’re here for your next move, your next deal, and your long-term growth.

Not just paperwork.

ou’re more than numbers to us. We take the time to understand your goals and guide you with clear, honest advice.

Loan Calculator

Crunch the numbers like a pro

Buying, refinancing or just curious? Our easy-to-use calculators help you plan smarter, faster. Know your borrowing power, repayments and more – no guesswork needed.

What people are saying...

      
   Finance Lane
   55 Google reviews 
  Write a review 
  
 
 
   
 
 
       Posted on Google  
   
   Ann O'Connor 
 
 
 
 Trustindex verifies that the original source of the review is Google. Our refinance wasn’t straightforward and Christian with his team were considerate and professional in their approach. They kept us informed throughout the process and found solutions to the hiccups. We are grateful for their service and happy with the outcome. I do recommend them to you.
  
 
      Posted on Google  
   
   Brian Duckworth 
 
 
 
 Trustindex verifies that the original source of the review is Google. I can’t thank Cristian and the team at Finance Lane enough for securing the mortgage on my new apartment at Village Mews. My financial situation was far from straightforward, but Cristian took the time to explore every avenue and identified a lending solution that genuinely fitted my needs. He stayed proactive through every twist and turn of the approval process, taking the stress out of a complex loan setup. Getting the keys was an immense relief, and it is all down to his persistence and expert advice. Highly recommend if you need a mortgage broker who won't give up when things get challenging!
  
 
      Posted on Google  
   
   Tim Beanland 
 
 
 
 Trustindex verifies that the original source of the review is Google. What separates Cristian apart from other brokers is his education background. He genuinely loves showing buyers and mortgage holders all the things they need and has the time and space to hold your hand and get you the right product for you If this space is a jumble for you Pick up the phone and call Finance Lane
  
 
      Posted on Google  
   
   Angela Merchant 
 
 
 
 Trustindex verifies that the original source of the review is Google. Cristian was nothing short of amazing right from the beginning! He truly made buying a house (which is a daunting process) such a breeze. Highly recommend!
  
 
      Posted on Google  
   
   Anthony Aliotta 
 
 
 
 Trustindex verifies that the original source of the review is Google. Cristian provided informed guidance from the very beginning. Cristian provided clarity throughout every step of the process and made what can be a stressful process very calm and easy-going. I would recommend Cristian to anyone looking for any broker advice no matter what stage you’re at!
  
 
      Posted on Google  
   
   Jiva Cory 
 
 
 
 Trustindex verifies that the original source of the review is Google. Cristian at Finance Lane was absolutely amazing throughout my entire home buying journey. As a first home buyer, I had so many moments of uncertainty (and quite a few moments of panic!), but Cristian was always calm, patient, and reassuring. He took the time to explain everything clearly, answered every question I had, and made what could have been an overwhelming process feel completely manageable. His knowledge, professionalism, and genuine care are outstanding. I always felt like he had my best interests at heart and never once felt rushed or like I was asking too many questions. I honestly can’t recommend Cristian highly enough. If you’re looking for a mortgage broker who is knowledgeable, supportive, and will guide you every step of the way, he’s the one to go to. Thank you so much for helping make my first home a reality!
  
 
      Posted on Google  
   
   Elena Szytow 
 
 
 
 Trustindex verifies that the original source of the review is Google. I cannot recommend Cristian highly enough! As a first home buyer, I was nervous about the entire home loan process, especially having only been in business for just over a year. From day one, Cristian treated me like family, taking the time to explain every step, answer all my questions, and provide expert guidance tailored to my situation. His knowledge, professionalism, and dedication made what seemed impossible become a reality. Thanks to Cristian's hard work and commitment, I have now been approved for my first home loan and am about to purchase my first house. If you're looking for a mortgage broker who genuinely cares about his clients, goes above and beyond, and delivers outstanding results, I highly recommend Cristian. Whether you're a first home buyer, self-employed, or looking for the best home loan options, you're in the best hands. Thank you, Cristian, for helping me achieve such a huge milestone - I couldn't have done it without you!
  
 
      Posted on Google  
   
   Tracy 
 
 
 
 Trustindex verifies that the original source of the review is Google. Cristian was awesome to deal with. He was really accessible and provided us with a product to suit our needs. Would happily recommend him to anyone!!
  
 
      Posted on Google  
   
   Kirsty Cheung 
 
 
 
 Trustindex verifies that the original source of the review is Google. My second time refinancing with Cristian, always the best service.
  
 
      Posted on Google  
   
   jan maroti 
 
 
 
 Trustindex verifies that the original source of the review is Google. Just had a home loan aproved👌👍thanks to Cris Who did everything possible to make it happened❤️🥇🏅🥇Very profesional,nice,polite,ready to help and always find the way to our wanted results.We can't recomand him enough,but if you use his service you will thank me!👌👏🤝

Let’s Build Your Business Finance Strategy

Need funding for your next move? We’ll design a custom solution that delivers clarity, speed and long-term value. Book your free commercial finance consult now.

Got Questions? We’ve Got You.

Finance can feel like a maze - we’re here to make it make sense. Whether you’re buying your first home or scaling your business, these answers will help clear the fog. Still unsure? Let’s chat it through.

What’s the difference between a commercial and residential loan?

Commercial loans typically fund business-related property or activity. They often have different eligibility criteria, loan terms, interest rates, and deposit requirements compared to residential loans.

Do I need a business to apply for commercial finance?

Not always. You can apply as an individual for investment purposes, but business use may unlock more lending options. We’ll guide you based on your structure and purpose.

What documents do I need to apply for commercial finance?

This depends on the loan type, but generally includes tax returns, financial statements, BAS, identification, and lease agreements (if applicable). We’ll provide a tailored checklist for you.

Can I get pre-approved for commercial lending?

Yes – and it’s highly recommended. Pre-approval gives you negotiating power and helps you act quickly when opportunities arise.

Smart Lending for Growing Businesses

Business finance isn’t one-size-fits-all. We take time to understand your strategy, industry, and risk profile – then source the smartest lending solutions across banks, non-banks and private lenders.

Commercial Purchase or Refinance

Build Big: Development Finance

Alternative Access: Non-Bank & Private Loans

Business Essentials: Asset Finance

Long-Term Strategy: SMSF Finance

Keep It Flowing: Cash Flow Finance

Commercial Purchase or Refinance

Build Big: Development Finance

Alternative Access: Non-Bank & Private Loans

Business Essentials: Asset Finance

Long-Term Strategy: SMSF Finance

Keep It Flowing: Cash Flow Finance

Discovery Call

Strategy Session

Lender 
Match

Application & Negotiation

Settlement & Support

Why Choose Finance Lane for Commercial Lending?

Why Choose Finance Lane for Residential Lending?

Crunch the numbers like a pro

What people are saying...

Let’s Build Your Business Finance Strategy

Got Questions? We’ve Got You.

Finance can feel like a maze - we’re here to make it make sense. Whether you’re buying your first home or scaling your business, these answers will help clear the fog. Still unsure? Let’s chat it through.

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© 2025 Finance Lane. All Right Reserved | CREDIT REPRESENTATIVE 461680 OF Australian Credit Licence Number 384704

Smart Lending for Growing Businesses

Business finance isn’t one-size-fits-all. We take time to understand your strategy, industry, and risk profile – then source the smartest lending solutions across banks, non-banks and private lenders.

Commercial Purchase or Refinance

Commercial Purchase or Refinance

Discovery Call

Strategy Session

Lender Match

Application & Negotiation

Settlement & Support

Why Choose Finance Lane for Commercial Lending?

Why Choose Finance Lane for Residential Lending?

Crunch the numbers like a pro

What people are saying...

Let’s Build Your Business Finance Strategy

Got Questions? We’ve Got You.

Finance can feel like a maze - we’re here to make it make sense. Whether you’re buying your first home or scaling your business, these answers will help clear the fog. Still unsure? Let’s chat it through.

Discovery Call

Lender 
Match

Crunch the numbers like a pro