Commercial Loans

Need funding for a business? We can find the right commercial loan for you so you can start your own company, cover your operational costs, finance equipment, or buy a commercial property. Let’s find out how much you can borrow!
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Supporting your business with a commercial loan in Sydney

Unlike personal loans, commercial loans are designed for business-related purposes. These loans can come in various forms, including term loans, lines of credit, equipment financing, and commercial real estate loans, depending on your business’s needs.

If you need a little help to build your startup, scale your company, or grow your real estate business, we can help you secure the financing you need.

We’ll scour our network of over 50 lenders and help you find the right lender and the right loan so you can achieve your business goals.

How can you benefit from a commercial loan?

Large amount of funds

You can borrow a bigger amount of money compared to personal loans. This will allow you to cover startup costs, and operational expenses, or even acquire a new business.

Full control of the money

You can use the money however you want and run your business according to your plans, without giving up any ownership or profit to investors.

Easy access to the funds

You don’t have to wait for years to raise money from your business profit or investors. You can get financing from lenders quickly and conveniently.

How much will it cost you build a home?

Your owner-occupied home loan repayments

Property type:
Repayment type:

Your estimated repayments:

Principal and interest period
Variable interest rate:
Comparison rate:
Total interest payable:
6.14% p.a.
6.14% p.a.

Getting a commercial loan in Sydney

Below are some of the things you must prepare if you’re applying for a commercial loan in Sydney.


You will need to have some assets that you can pledge to back up the loan, such as accounts receivable, inventory, or personal property. Banks will only lend you money if they can reduce their risk.

Business plan

You will need to have a well-written business plan that summarizes your company, product, market, team, and financials. Banks will want to see how you plan to use the loan and how you will repay it.

Financial statements

You will need to provide your business and personal financial statements, such as balance sheets, profit and loss statements, tax returns, and credit reports. Banks will check your financial health and credit history.

Personal guarantee

You will likely have to sign a personal guarantee that makes you liable for the loan in case your business fails. Banks will want to see that you believe in your business and are willing to take responsibility.

Loan covenants

You must agree to some conditions that limit your business activities, such as maintaining certain financial ratios, not taking on more debt, or not selling your assets. Banks will monitor your compliance with these covenants and can declare you in default if you violate them.

If all these sound overwhelming, we can help you understand more about how commercial loans work. We can also help you get the right commercial loan for your business needs.

With 50+ lenders at your fingertips, you have the power of choice

When you set out on your own seeking a loan, banks have the power to reject you. But with us on your side, it’s the other way around. We choose the most suitable loan for your unique needs.

You’re only 3 steps away from your financial goal

Step 1

Reach out to us and let’s discuss your situation and what kind of loan you need.

Step 2

Sit back and relax while we search our network to find the perfect loan for you.

Step 3

Choose the best loan that suits your needs. Then we’ll submit a foolproof loan application to secure your financing.

Why Lend & Loan

10 years of experience

We’ve been doing this for a decade, so we’ve built strong connections with lenders and we know their lending policies inside out. This helps us find the right loans that suit your needs.

One-touch approvals

We know exactly what banks and other lenders require from the get-go. We’re experts at putting together foolproof loan applications that lenders approve without further questions. 


We’re not like your typical 9-5 mortgage brokers. You can reach us when you need us, and we’ll get back to you within four hours.

Efficient processes

We understand that you’re busy, so we keep things simple. We try to avoid in-person meetings to save you time and make the loan process easy and stress-free.

Don’t take our word for it, take theirs.

We’ve helped hundreds of Australians
get approved for a loan and achieve their financial goals. Hear it from our
happy clients.

Looking to make a purchase or investment?

Find out how much you can borrow.

Frequently Asked Questions

Construction loans are drawn down in stages as construction milestones are achieved, such as slab completion, roof installation, and interior finishing. After each stage, the lender releases the funds required for the next phase.

Yes, but most lenders require the builder to be licensed and have a fixed-price building contract. It's essential to ensure your builder meets the lender's criteria to avoid complications.

Typically, the interest-only period lasts for the duration of the construction, which can be 12 months or longer, depending on the project. After completion, the loan usually reverts to a principal and interest repayment structure.

If costs exceed the approved amount, you'll be responsible for covering the additional expenses, either through personal savings or by renegotiating your loan, which may not always be possible.

While it's possible to make changes, it might affect the loan agreement and lead to additional costs. It's essential to communicate any changes to both the lender and the builder.

Construction delays can increase the overall cost and extend the interest-only payment period. It's crucial to have a contingency plan and communicate with your lender about any significant delays.

Once construction is completed, the loan typically converts to a standard home loan, and you'll start making regular principal and interest repayments.