Commercial and Business Loans
Commercial and business finance is a different world from residential lending. It requires a broker who understands business — not just loan products. Liam brings 20+ years of commercial banking experience from the Big 4, now working on your side of the table.
Book a time with LiamBusiness finance with genuine expertise
Real commercial banking experience
Liam spent 15+ years in Big 4 business banking before founding Calm Finance Co. He understands how banks assess commercial deals from the inside — and uses that knowledge to position your application for the best outcome.
Understand your business, not just your numbers
We take the time to understand how your business works, where it's heading, and what the finance needs to achieve. That context is what turns a good application into a great one.
Access specialist lenders
Beyond the Big 4, there are specialist commercial lenders with more flexible criteria and competitive terms. We know who they are, what they'll fund, and how to work with them efficiently.
Manage the complexity
Commercial deals involve more moving parts — valuations, conditions precedent, multiple parties, and tighter timelines. We manage the process end-to-end so you can focus on running your business.
Commercial and business finance solutions
Commercial property
Purchase, refinance, or develop commercial, industrial, and retail property. Owner-occupied or investment — we'll find the right structure and lender for your situation.
Business acquisitions
Buying an existing business? We help structure the finance for goodwill, stock, plant, and property — often across multiple facilities to get the best overall terms.
Equipment finance
From fit-outs to heavy machinery, we source competitive equipment finance that's structured to suit your cash flow and tax position. Chattel mortgage, lease, or hire purchase — we'll explain the options.
Working capital
Overdrafts, lines of credit, invoice finance, and trade facilities. If your business needs breathing room or funds to grow, we'll find the right solution without over-leveraging your position.
Four steps to clarity
Here's how working with us actually works — no surprises, no runaround.
Discovery
We take the time to understand your business, your goals, and what you're trying to achieve with the finance. Every business is different, and the solution needs to reflect that.
Structure & Options
We work through the right structure for your situation and compare options across our lender panel — including specialist commercial lenders most people don't know about.
Application
We prepare a strong application, present your business in the best light, and manage the lender relationship from submission through to approval.
Settlement & Ongoing
We stay involved through settlement and remain available as your business evolves. As your needs change, we're here to help restructure or source new facilities.
Frequently asked questions
How is commercial lending different from residential?
Commercial loans typically have shorter terms, higher interest rates, and different assessment criteria compared to residential mortgages. Lenders focus more on the business's financial performance, the commercial property's income potential, and the borrower's experience. Loan-to-value ratios are usually lower (60–70% is common), and the documentation requirements are more involved.
What documentation do I need for a commercial loan?
Typically you'll need two to three years of business financials (profit and loss, balance sheet, tax returns), BAS statements, details of the asset being purchased, a business plan or outline (for acquisitions), and personal financial statements. The exact requirements depend on the lender and the type of facility. We'll give you a clear checklist upfront.
Can I get a commercial loan if my business is relatively new?
It's more challenging with less than two years of trading history, but not impossible. Some lenders will consider newer businesses with strong financials, experienced operators, or specific industry backgrounds. Liam's commercial banking experience means he knows which lenders are more flexible and how to present your application to give it the best chance.
What interest rates should I expect for commercial loans?
Commercial rates are typically higher than residential — often 1% to 2% above standard home loan rates, depending on the type of facility, the LVR, and the risk profile. Rates vary significantly between lenders, which is why comparing across multiple options matters. We'll show you the full picture including fees, not just the headline rate.
How long does a commercial loan take to settle?
Commercial loans generally take longer than residential — anywhere from four to eight weeks depending on the complexity, the lender, and the documentation involved. More complex deals (business acquisitions, development finance) can take longer. We manage the timeline closely and keep you updated throughout.
Need commercial or business finance?
Book a time with Liam — 20+ years of commercial banking experience, now working for you instead of the bank.
Book a time with Liam