Business Loans and Commercial Finance Solutions in Sydney
Business Loans & Commercial Finance Solutions
At FirstPoint Mortgage Brokers, we understand that every business journey is unique. Whether you’re purchasing a commercial property, expanding operations, or embarking on a new development project, securing the right finance is crucial. Our expert brokers specialise in commercial property loans, business finance and construction & development loans, offering tailored solutions that align with your goals and cash flow. If you require a work car, we also offer car loans for business. See our Car Loans and Asset Finance page.
Why Choose FirstPoint for Your Business Loan?
- Access to 40+ lenders, including major banks and specialist financiers
- Tailored loan structures for SMEs, investors and developers
- Fast approvals and competitive interest rates
- Expert guidance from brokers who understand your industry
We’re more than just mortgage brokers; we’re strategic partners in your business growth.
Commercial Property Loans
Whether you’re buying an office, retail space, warehouse, or industrial site, a commercial property loan can be a powerful investment tool. At FirstPoint, we help you navigate the complexities of commercial lending to secure the best deal.
What Is a Commercial Property Loan?
A commercial property loan is used to purchase or refinance real estate that’s intended for business use. Unlike residential loans, these are assessed based on the property’s income potential and your business’s financials.
Who Is It For?
- Business owners buying premises
- Investors acquiring income-generating properties
- SMSFs purchasing commercial assets
Key Features
- Loan amounts from $250,000 to $20M+
- Fixed or variable interest rates
- Up to 70–80% LVR (Loan-to-Value Ratio)
- Interest-only or principal & interest options
How We Help
Our brokers assess your financials, property type and long-term goals to match you with lenders who offer:
- Competitive rates
- Flexible repayment terms
- Fast turnaround times
We also assist with lease doc loans for investors with strong rental income but limited financial documentation.
Business Finance Solutions
Running a business requires agility and the right finance partner. Whether you need working capital, equipment finance, or a line of credit, FirstPoint offers tailored business finance solutions to keep your operations moving.
Why Businesses Trust FirstPoint
- We understand seasonal cash flow cycles
- We tailor solutions for tradies, retailers, consultants and more
- We negotiate with lenders to reduce fees and improve terms
Types of Business Finance We Offer
1. Unsecured Business Loans
Ideal for short-term needs like marketing, payroll, or inventory. No collateral required.
- Loan amounts: $5,000 to $500,000
- Terms: 3 months to 5 years
- Fast approvals (often within 24–48 hours)
2. Secured Business Loans
Backed by property or assets, these loans offer lower interest rates and higher borrowing limits.
- Loan amounts: $50,000 to $5M+
- Longer terms and flexible repayments
3. Line of Credit
Access funds as needed, only pay interest on what you use.
- Great for managing cash flow
- Revolving facility with redraw options
4. Equipment & Asset Finance
Finance vehicles, machinery, or tech upgrades without draining your cash reserves.
See more options in our Asset Finance range
- Chattel mortgage, lease, or hire purchase options
- Tax-effective structures
5. Invoice Financing
Turn unpaid invoices into immediate cash flow.
- No need to wait 30–90 days for payment
- Ideal for B2B businesses
Construction & Development Loans
From duplex builds to multi-unit developments, construction finance is complex, but we make it simple. Our brokers work with developers, builders and investors to structure loans that support every stage of the project.
What Is a Construction Loan?
A construction loan provides funding in stages as your project progresses. It’s typically interest-only during construction, with repayments based on drawdowns.
Development Loan Types
1. Residential Construction Loans
For owner-builders or investors building homes, townhouses, or duplexes.
- Progress payments aligned with build stages
- Interest-only during construction
2. Commercial Development Loans
For larger projects like apartment blocks, retail complexes, or industrial sites.
- Funding from $1M to $50M+
- Pre-sales or equity requirements vary by lender
3. Land Bank Finance
Secure funding to purchase and hold development-ready land.
- Useful for rezoning or DA approval periods
4. Mezzanine Finance
Top-up funding for developers who need more than traditional lenders offer.
- Higher risk, but flexible terms
- Often used to reduce equity requirements
Our Construction Finance Process
Feasibility Review
We assess your project’s viability and funding needs.
Lender Match
We source lenders who specialise in construction and development.
Loan Structuring
We help you structure drawdowns, interest payments, and exit strategies.
Ongoing Support
We liaise with lenders, valuers, and solicitors throughout the build.
How We Maximise Your Loan Approval
At FirstPoint, we don’t just submit applications; we craft compelling loan proposals that highlight your strengths. Our brokers:
- Review your financials and credit profile
- Prepare lender-ready documentation
- Negotiate terms and rates
- Advise on structuring for tax and cash flow efficiency
We also work with accountants and financial planners to ensure your loan aligns with your broader business strategy.
Ready to Grow Your Business?
At FirstPoint Mortgage Brokers, we combine deep industry knowledge with lender relationships to deliver finance that fuels your success. Whether you’re buying a warehouse, upgrading equipment, or building a multi-unit development, we’re here to help.
Call us today or enquire online to speak with a business loan specialist.
Frequently Asked Questions
Knowledgeable. Trusted. Invested.
A commercial property loan is used to buy or refinance real estate for business use. A business loan funds operations, equipment, or working capital.
Yes, some lenders offer low-doc or bad-credit business loans. We’ll help you find the best fit.
Typically, 20–30%, but some lenders offer higher LVRs depending on the property and your financials.
What documents do I need?
- Financial statements
- Tax returns
- Business plan (for development loans)
- Lease agreements (for investment properties)
Business loans can be approved in 24–72 hours. Commercial and construction loans may take 1–3 weeks depending on complexity.
