MFAA Member · ACL 389328 · 130+ Dwellings Financed
Commercial Loan Broker — Commercial property
+ development finance.
We specialise in two commercial categories: commercial property finance (retail, office, industrial, mixed-use) and development finance (land + construction, multi-lot, residual stock). 130+ dwellings financed. 48-hour pre-feasibility for developers.
Property + development focus.
We focus where our experience runs deepest. We don't do business-acquisition finance or working-capital lending — separate specialist territory we route elsewhere.
130+ dwellings financed.
Lifetime credentials in development finance — from single duplex builds to 30+ lot subdivisions, CBD office buildings to suburban retail centres. We know which lender wants which kind of deal.
48-hour pre-feasibility.
Before you commit to a project, we model the funding envelope — indicative LVR, indicative rate, indicative presale requirements. 48 hours, no cost.
From first call to settlement
Easier than you'd think.
Send your project brief
Site, scope, builder, contract type, timing. Even concept-stage projects can run pre-feasibility.
48-hour pre-feasibility
Indicative LVR, indicative rate, indicative pre-sale requirements. No cost.
Lender placement
We compare 5-10 development-active lenders for your project profile.
Manage to settlement
Pre-sale management, staged drawdowns, residual stock refinance, end-debt structures — all coordinated.
Commercial finance library
Browse commercial finance guides
Browse our 3commercial finance guides, grouped by topic and written in plain English. The full searchable library lives in The Lab.
Commercial finance
3 guidesApplications, paperwork and development finance eligibility.
Frequently asked questions.
What types of commercial property does Finance Lab finance?
Retail (shopfronts, retail strips, neighbourhood centres), office (CBD + suburban), industrial (warehouses, light-industrial), mixed-use (commercial below + residential above). Both owner-occupied and investment files. We don't do specialised assets like hotels, service stations, or aged-care facilities — those need niche lenders we'd refer you to.
Do you finance business acquisitions or working capital?
No — those are specialist commercial finance categories that fall outside our scope. We focus on commercial property and development finance. For business acquisition or working capital, we'd refer you to a specialist commercial-finance broker.
How does development finance differ from a standard construction loan?
Development finance is for projects sold to third parties (multiple dwellings, subdivisions, mixed-use). Standard construction loans are for owner-occupiers building their own home. Development finance involves pre-sale hurdles, end-debt structures, residual stock refinance, and GST treatment — all absent from a standard construction loan.
What's a pre-sale hurdle?
Lenders typically require a percentage of dwellings in a multi-lot development to be pre-sold (under contract) before they'll release construction funds. Common thresholds: 50-70% pre-sale for residential developments. Some lenders have softer requirements; some are stricter. We map your project against lender appetite before submission.
How long does a development finance approval take?
Pre-feasibility — 48 hours. Formal approval — typically 2-4 weeks from a complete file (including site valuation, builder due diligence, pre-sale verification). End-to-end pre-feasibility to settlement on a typical multi-lot development — 2-4 months.
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08 8121 3076Or start online
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