Finance Broker Sunshine Coast
Local knowledge, with over 200 lenders behind it
From our office in Mountain Creek, we help Sunshine Coast businesses fund premises, equipment, growth and cash flow. We know how the Coast trades, and which lenders understand your industry and your property.
We look at the whole structure of your debt, so your finance supports where the business is heading as well as what it needs today.
The right lender for every stage of your business
What the Coast looks like to a lender.
Tourism, hospitality and construction shape cash flow across the Coast. We present your numbers with your busy and quiet seasons in view.
We also track where the region is growing, how valuations vary across the Coast, and which lenders have appetite for each asset type and industry.
Across the Coast: Noosa • Maroochydore • Buderim • Mountain Creek • Kawana • Caloundra • Nambour
Tailored capital structuring for owner-occupiers, investors, and developers
Offices, Warehouses
& Retail
From industrial sheds to boutique office suites, we match your specific asset class with the lenders who have the strongest appetite and most favourable valuations.
Lease Doc &
Low Doc
We access specialised lenders who assess your loan based on the strength of the lease income or asset position, removing the need for up-to-date tax returns.
Purchasing &
Refinancing
Whether expanding your footprint or restructuring existing debt to release equity, we ensure your loan structure supports cash flow rather than constraining it.
Management
Rights
We connect you with lenders who understand the multiplier value of Management Rights, ensuring full recognition for this unique asset class.
The leverage advantage
Many banks cap commercial lending at 65% LVR, and they turn especially cautious on specialised assets like motels, childcare centres, and service stations. Through our panel of specialised lenders, we can often source funding up to 80% LVR for these and other commercial assets, and even higher for medical or professional suites.
Higher leverage means less equity required upfront, keeping your cash where it belongs: in your business.
Case study
Structuring a $2.3M commercial acquisition across 18 entities
Challenge:
A multi-state retail operator spanning 18 entities with interwoven cash flows wanted to purchase a $2.3M commercial investment. Their complex structure, combined with ATO arrears and limited comparable sales, made standard lender assessment impossible.
Strategy:
Rather than submitting 18 disconnected financial statements, we consolidated their entire cash flow into one clear narrative. We structured a 75% LVR facility and provided targeted market research to give the lender total confidence in the property’s long-term rental sustainability.
Outcome:
The $2.3M property was successfully secured and tenanted, with the ATO position managed within lender policy. By isolating the structural hurdles, the client acquired a high-quality commercial asset without causing any disruption to their existing retail operations.
Commercial Property Finance Common Questions
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Standard policy often requires a 35% deposit. However, for a strong commercial building loan, we can often secure funding with as little as a 20% deposit (80% LVR) — or even 10% for medical suites — preserving your cash for business operations.
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It differs from residential finance. A commercial real estate loan assesses the strength of the lease income rather than just personal tax returns. We use 'Lease Doc' solutions to simplify the process, making approval significantly easier for self-employed applicants.
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There is no single "best" bank; it depends on your asset class. One lender might offer the lowest rates for industrial warehouses in Yatala, while another offers better terms for office strata in Maroochydore. We compare over 200 lenders to find the one with the strongest appetite for your specific property type.
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Yes. Purchasing your business premises through a Self-Managed Super Fund (SMSF) is an effective strategy. It allows your business to pay rent directly into your own retirement fund (taxed at just 15%) rather than paying off a landlord’s mortgage.