Commercial & Business Lending · Growth Finance
Finance that understands business, because I do.
Commercial property purchase, business acquisition, working capital. I broker under Maxfin... 22+ years of business and commercial deal expertise behind every application, fully accredited across both bank and non-bank lenders.
Rebecca Tickner
Finance Broker · Maxfin
Sound familiar?
The problems I hear most often.
Your accountant says you're profitable but the bank says no
Business financials are complex. Banks don't always understand how to read them. The right lender and the right presentation of your financials makes all the difference.
You want to buy the premises you're renting
Owning your commercial space creates certainty and builds an asset. But commercial property finance works differently from residential, and most brokers don't do it well.
You're acquiring a business and need the finance structured correctly
Business acquisitions require a finance structure that accounts for goodwill, equipment, working capital, and transition. It's a different conversation from property.
How It Works
Four steps. No surprises.
01
Understand the Business
I look at your financials, the nature of the business, and what the finance needs to achieve. Commercial lending is assessed very differently from personal lending.
02
Structure & Lender Selection
I match the structure to the purpose... commercial property, business acquisition, or working capital. Not all lenders are equal in commercial lending.
03
Application & Credit Advocacy
Commercial applications often require narrative and advocacy. I present your case in the strongest possible light.
04
Settlement & Review
Commercial loans often have different review and renewal cycles. I'll keep an eye on your position and make sure you're not caught off-guard at renewal.
In Practice
Commercial finance is a different conversation from residential... and most brokers aren't fluent in it. Working under Maxfin gives me access to the full panel of bank and non-bank commercial lenders, plus 22 years of deal expertise behind every application.
Rebecca Tickner
What you get working with me.
Backed by Maxfin's commercial expertise
Commercial and business lending is what Maxfin has been doing for 22+ years. Every application I structure draws on that depth of deal experience.
Bank and non-bank lender access
Fully accredited across both. Some commercial deals fit the major banks. Some don't. I'll find the lender that suits your deal, not the one that suits the broker.
Commercial property expertise
Owner-occupied commercial, investment commercial, industrial. I understand how each is assessed and which lenders suit which scenarios.
Business acquisition support
Finance that covers goodwill, plant, equipment, and working capital. Structured for the reality of acquiring a going concern.
Working capital solutions
Business overdrafts, invoice finance, trade finance. Short-term cashflow solutions that don't put your property at risk.
Self-employed friendly
Banks don't always know how to assess self-employed income. I work with lenders who understand business financials and know how to read them.
Questions
Frequently asked.
How much does a broker cost?
For most deals, nothing. Banks pay me a commission when your loan settles, and it doesn't change your rate or your loan amount one bit. My service costs you nothing, plus you get a lot of support, education and guidance, all in your best interests. No-brainer, right?
Heads up: more complex commercial deals, developments, or work with claw-back risk may involve an upfront fee. Always disclosed up front.
What's the difference between residential and commercial property finance?
Commercial property loans are typically assessed on the income the property generates, not just your personal income. Loan-to-value ratios are usually lower (60-70% for most commercial), rates are higher, and assessment criteria is more complex.
Can I use a commercial property loan to buy the premises my business occupies?
Yes. Owner-occupied commercial property is a strong position for many lenders. I'll identify the right lender for your business type and property.
What documents do I need for a commercial loan application?
Typically two years of business and personal tax returns, BAS statements, financial statements (P&L and balance sheet), and details of the property or business being acquired. I'll give you a specific list for your scenario.
My business is relatively new. Can I still get commercial finance?
It's more challenging but not impossible. Some lenders will consider applications from businesses under two years old if the director has a strong asset position and relevant industry experience. I'll give you an honest assessment.
What is goodwill in a business acquisition and can it be financed?
Goodwill is the value of the business beyond its physical assets... its customer relationships, brand, and ongoing income. Some lenders will finance goodwill, but the criteria are strict. I'll explain what's realistic for your acquisition.
What LVR can I expect on commercial property?
Typically 60-70% for most commercial property, though this varies by property type, location, and lender. Some specialist lenders may go higher for strong applications.