Sydney, NSW
Commercial finance in Sydney.
The office is on the lower north shore, at Level 3, 116 Military Road, which means Sydney clients can sit across a desk for the parts that benefit from it and do the rest by video like everyone else. Same fixed advisory fees either way.
What we see in the Sydney market
Sydney's problem is rarely appetite and almost always price of entry. A trades business on the west, a professional practice on the north shore and a hospitality group in the inner east are three different credit conversations, but they share one thing: the property that would make the security straightforward costs more here than the business does. That pushes deals toward goodwill-heavy structures, where the earnings have to carry the facility on their own and the submission has to be much better than it would need to be in a cheaper market.
The second Sydney pattern is the owner who has equity in a home worth several million and assumes that settles the question. It helps, and it is not the whole answer: a lender still has to see the business service the debt, and releasing residential equity for a business purpose changes the protections that attach to the loan. We model both routes before anyone signs anything.
Sydney is also where we see the most competitive tension on timing. Vendors run tight campaigns, buyers feel it, and applications go in before the numbers have been tested. A decline on presentation in a market this fast usually means losing the deal rather than fixing the file.
How engagements run for Sydney clients
Scoping call in person if you want one, otherwise by video. Documents by secure upload, the earnings rebuilt and the facility modelled at the assessment rate before anything is lodged, and no credit file touched until you say so.
The full process, what we arrange and how we are paid are on the commercial finance page.
Who sends us work
Other professionals put their clients in front of us.
Which is a harder test than winning a client directly. An adviser referring you is lending you their relationship, and they only do it twice if the first one went well.
Accountants
Because we never touch compliance, and never ask them to sign a serviceability letter.
Finance brokers
For commercial deals they keep, with the file built underneath and the lodgement theirs.
Business brokers
Because a buyer with tested numbers is a buyer who settles.
Buyers agents
They find and negotiate the deal; we test the earnings the price is built on.
Sydney questions
No. The office is in Neutral Bay and roughly half the work is elsewhere. Being local means you can meet in person if that helps; it does not change the fee, the process or the lenders available to you.
Often yes, and it is worth understanding what you are agreeing to. Credit taken wholly or predominantly for business purposes sits outside the National Credit Code even where a home secures it, so the consumer protections attaching to a home loan do not attach, and a lender will ask you to sign a business purpose declaration. We model the deal with and without the equity so you can see what it actually buys you.
It depends on the lender and the security, and the honest answer is that the paperwork is usually the constraint rather than the credit decision. The first conversation is free precisely so we can tell you which of the two you are facing before you commit to a settlement date.
Buying a business in Sydney?
Then the question before the finance is whether the earnings are real. We test them first, because a credit team will rebuild them whatever you do, and the figures that come out of that go straight into the submission.
Due diligence in SydneyWant a straight read on your deal?
Book a free call with Nick. Bring the numbers you have, and we will tell you the right service level and the fixed fee. No obligation.