Commercial property, business and cash flow finance structured around the way your business operates. We help business owners, operators and property investors compare banks and specialist funders for business acquisitions, commercial property, expansion, equipment and working capital.
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No two commercial finance transactions are the same. A commercial property purchase requires different funding to a business acquisition, equipment purchase or working capital facility. We assess your objectives, business structure, cash flow and available security before comparing suitable finance options from lenders whose policies align with the transaction.
Commercial lenders assess applications differently depending on your industry, business structure and cash flow. We structure your application around the factors lenders assess, helping you arrange funding that's suited to your business and future plans.
Commercial lending involves more than comparing interest rates. Loan structure, security requirements, repayment terms, covenants and lender policy can all affect your business’s flexibility and future borrowing capacity. We take the time to understand your business and funding objectives before comparing suitable options from our broad panel and managing the application through to settlement.
We compare commercial finance options across our broad panel of banks and specialist non-bank funders and private lenders. By matching your business with a suitable lender, we help you arrange funding that reflects your objectives.
Every business has different cash flow, assets and funding requirements. We structure your finance around the way your business operates rather than applying a one-size-fits-all approach. This helps present your business clearly and accurately while creating a finance solution that's suited to your circumstances.
Commercial finance applications typically involve more documentation, greater scrutiny and more stakeholders than standard lending. We manage the process from lender comparison through to settlement, keeping communication clear and helping your application progress as efficiently as possible.
The right finance structure should continue to support your business as it evolves. We stay in touch after settlement to review your lending and identify opportunities to refinance or restructure your facilities as your funding needs change.
Every business has different funding requirements, so we take the time to understand your business structure, cash flow and what the finance is intended to achieve.
We look at the deal from the lender's point of view and prepare the application around the evidence they need to assess it properly.
From there, we compare suitable options from our broad lender panel, recommend a finance solution that’s appropriate for your circumstances, and prepare and manage your application through to settlement.
Commercial lenders generally assess more than the property or asset being financed.
Depending on the transaction, they may consider:
We assess these factors before approaching lenders, helping us identify potential issues early and present the application clearly.
We identify potential issues early, shape the lending strategy and manage your application through to settlement.
We compare commercial finance options across major banks and specialist lenders. By matching your business with a lender whose policy aligns, we help you obtain an appropriate facility for your circumstances.
From trades and construction to healthcare, hospitality and professional services, we understand how lenders assess different industries. We structure your application around the factors they consider, presenting your business clearly and accurately.
From your first conversation through to settlement, we manage your application and liaise with your lender on your behalf. We also stay in touch after settlement to review your finance as your business grows and your funding needs change.
Estimate indicative loan repayments and purchasing costs for a commercial property transaction. Calculator results are general estimates only and do not constitute credit approval or financial advice. We can provide a more detailed assessment based on your transaction and the relevant lender’s criteria.
Estimates only — not a quote, credit assessment or finance approval. Figures exclude fees and assume principal & interest repayments. Stamp duty uses NSW general rates, which are indexed and may change. Speak to a 3LANE broker for numbers specific to your situation.
Get a tailored assessmentEvery business is different. Whether you're purchasing commercial property, funding business growth, refinancing debt or investing in equipment, we'll assess your requirements, compare suitable lenders and structure finance around your objectives.
Based in Marrickville, we support borrowers across Sydney and NSW — in person or remotely.
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Quick answers for clients comparing finance options.
Commercial finance can be used to purchase or refinance commercial property, acquire a business, invest in equipment, fund expansion or support working capital. The appropriate loan structure depends on the purpose of the funding, available security and how the business generates cash flow. We match the lender and facility to the transaction rather than defaulting to a generic business loan.
Depending on the transaction, lenders may request recent financial statements, business and personal tax returns, business activity statements, bank statements, details of existing debts and information about the proposed security. New or expanding businesses may also need to provide forecasts, a business plan or evidence of relevant industry experience. We provide a tailored information checklist before the application is prepared.
Potentially. Finance may be available to start-ups and newer businesses, but eligibility will depend on the loan purpose, industry experience, business plan, forecasts, available contribution, security and proposed repayment strategy. We assess whether suitable options may be available from lenders that consider newer businesses and structure the application around the information they require.
A business loan may be used for working capital, equipment, acquisitions or expansion and can be secured or unsecured, depending on the lender and transaction. Commercial property finance is specifically used to purchase or refinance commercial real estate and is generally secured by that property. The assessment method, loan term, pricing and required contribution can differ substantially between the two.
Most commercial property purchases require the borrower to contribute part of the purchase price, but the required contribution varies considerably. Lenders consider the property type, location, lease profile, business performance, borrower experience, cash flow and available security. Specialised properties may attract lower maximum loan-to-value ratios. We assess current lender requirements before recommending a structure.
Commercial property may be purchased through an SMSF where the transaction complies with superannuation law, the fund's governing documents and the lender's requirements. Borrowing is generally structured through a limited recourse borrowing arrangement. Before entering a contract or loan application, you should obtain independent legal, financial and taxation advice. We arrange the lending and work alongside your qualified advisers throughout the process.
Timeframes vary according to the lender, transaction complexity, valuation requirements and whether all supporting information is available. A straightforward application may receive an initial decision within several business days, while commercial property, business acquisition, development or complex ownership structures can take several weeks. Settlement timing may also depend on valuations, legal documentation and satisfaction of lender conditions.
Private lenders may suit urgent settlements, bridging requirements, development transactions, complex securities or circumstances that fall outside standard bank policy. Rates and fees are generally higher than traditional bank finance, so the total cost, loan term and repayment or exit strategy must be carefully considered. We explain these differences before recommending a private lending solution.
A bank can generally offer only its own products and apply its own credit policy. A commercial finance broker can compare options across a broader lender panel, including banks, non-bank lenders and specialist funders. This can be particularly valuable where the transaction involves a complex structure, specialised property, newer trading history or industry-specific lending considerations.
A decline from one lender does not necessarily mean every lender will reach the same decision, as commercial credit policies vary. However, a decline may also identify genuine concerns about serviceability, security, credit history, industry risk or the proposed structure. We review the lender's feedback, assess whether those issues can be addressed and determine whether another lender or a different finance structure may be appropriate. We do not submit another application unless there is a reasonable basis for doing so.
Share your goals with the 3LANE team and we will help you understand the lending options that may suit your position.
