Offices, warehouses, retail and industrial finance for Sydney owner-occupiers and investors
APW Finance is a Commercial Property Loan Broker in Sydney working with owner-occupiers, investors and developers across NSW. Commercial lending does not follow the residential rulebook. Deposits are larger, terms are shorter, and every lender prices your asset class differently.
That is where a specialist broker for commercial property loans earns its keep. We read your lease profile, entity structure and cash flow first, then approach only the lenders whose credit policy already fits. No wasted applications, no unnecessary marks on your file.
As a commercial mortgage broker NSW businesses return to, we arrange finance across the full spread of commercial security:
Rate matters, but structure decides what the deal really costs over its life. A Commercial Property Loan Broker in Sydney earns the fee on term, review period and repayment type, not on the front page number.
For the detail behind that, read our guide to how commercial loan interest rates are calculated. Where security is the sticking point, our explainer on secured versus unsecured business lending sets out the trade-offs plainly.
Every engagement starts the same way. We map the purchase or refinance, model the numbers against real lender policy, and give you a written position before anything is submitted. You will know your likely deposit, rate range and settlement timeline up front, not three weeks in.
Timing matters just as much in commercial. Finance clauses are shorter than residential, valuations take longer on specialised assets, and a tenanted purchase needs the lease reviewed before settlement can be booked.
We run those workstreams in parallel rather than in sequence, and we tell you early if a deal will not clear a lender’s policy. An honest no in week one is worth more than a maybe that collapses in week five.
Borrow up to 100% against business premises with the right security support, or up to 80% for a commercial investment purchase. We identify which lenders stretch furthest for your asset class before you apply, so the deposit you budget for is the deposit the lender actually asks for at formal approval.
Fixed, variable, split or line of credit, with terms to 30 years and interest-only periods where cash flow calls for it. As a broker for commercial property loans we match the structure to your holding plan, then set the review date so it falls when your business is strongest, not when the lender happens to schedule it.
Stand-alone facilities and construction finance for clinics, workshops and industrial and retail property across Sydney. Ideal for owners outgrowing leased space and ready to build to their own specification, with progress draws timed to the builder's program so cash flow is never the thing that holds up the site.
Sharp pricing paired with review periods, covenants and repayment terms that suit your strategy. Your Commercial Property Loan Broker in Sydney negotiates every one of them, not just the rate.
Commercial lending rewards preparation. A Commercial Property Loan Broker in Sydney packages your financials, leases and valuations the way credit teams want to read them, so the file moves through assessment instead of stalling in queries. Lower friction, faster settlement, better terms.
From first enquiry to settlement, your Commercial Property Loan Broker in Sydney manages the lender conversation so you can stay on the business. Tell us the property, the entity and the timeline.
You will have a clear funding position within one business day. If equipment or fit-out sits alongside the purchase, our page on chattel mortgages shows how the two are usually structured together.
Lender capital and lending standards are overseen by APRA.
APW Finance Pty Ltd delivers expert lending solutions with personalised service, empowering clients across residential, commercial, and business sectors.