We arrange the finance behind a commercial property purchase, refinance or development, and manage the file from the first scenario through to settlement. In practice that means mapping your borrowing capacity before you commit to a property, then working out which lenders on our panel have appetite for the deal. From there we structure the security and the borrowing entity, prepare the credit submission, manage the valuation and negotiate the terms that come back. You deal with us throughout rather than with a credit assessor you never meet.

For standard commercial security, a warehouse, an office suite, a strata retail shop, most lenders gear to around 65% to 80% depending on the asset and whether you will occupy it or lease it out. Specialised assets, where the value is tied to the business trading from the site, are assessed on a different basis and generally gear lower. If you hold equity in other property, the deposit does not have to be cash. Tell us what you hold and we will map the funding structure against it before you go looking.

We arrange commercial finance from $50K up to $30M, covering purchases, refinances, construction, working capital and equipment. Where a scenario sits above that range we will say so early and talk through how it could be structured.

Yes, and it is one of the more common ways a commercial purchase gets funded. A lender can take your home or an existing commercial holding as additional security and fund up to 100% of the purchase price, structured as a cross-collateralised facility. The trade-off is worth understanding upfront: the properties are tied together, and releasing one later needs the lender's agreement and enough equity in what remains. We will show you what the structure looks like on both sides before you commit to it.

Four things, in roughly this order. Serviceability, which means your business cash flow normalised by the credit team rather than the profit figure on your tax return. The security, which covers the property type, its condition, location and how readily it could be sold. The structure, meaning the borrowing entity, the guarantors and how the ownership sits. And your conduct, which covers ATO position, existing facility history and any arrears. Lenders add back depreciation, interest, one-off costs and above-market director salaries when they work out serviceability, which is why reported profit and assessed income are rarely the same number.

It is the more useful order. Knowing your capacity, your likely deposit and the structure before you sign changes what you can negotiate and how confidently you can move. Commercial contracts often carry short finance clauses or none at all, and a valuation that lands under the contract price is your problem to fund, not the lender's. An early conversation costs you nothing and gives you a number to work to.

Your bank has one credit policy and gives you one answer, and that answer reflects their appetite rather than the market's. The same business and the same property can be read very differently by two lenders depending on how the file is structured and presented. Declined applications also leave a record, so working through lenders one at a time has a cost. We know which lenders are actively writing your type of deal and take your file to those, so you are not approaching each one yourself.

Yes, and both are common. Trusts, holding companies and layered ownership structures are ordinary territory in commercial lending, and we work with them daily. SMSF purchases run through a limited recourse borrowing arrangement, which is more intricate, gears lower than a standard purchase and cannot be cross-collateralised. We structure the finance and tell you which lenders will take your property as SMSF security and on what terms. Ardent Capital Group does not hold an Australian Financial Services Licence, so the advice on the fund itself comes from the licensed advisers and SMSF specialists we work alongside. See our SMSF commercial property finance page for how the structure works.

Often, yes. A decline reflects one lender's credit policy on the day, and it is frequently a structuring or presentation issue rather than a fundamental problem with the deal. The first thing we do is work out why it was declined, because that determines whether it is worth taking elsewhere. If the answer is that the deal does not stack up, we will tell you that and explain what would need to change. Every figure remains subject to serviceability, lender appetite and approval.

Ardent Capital Group brings the same method to every client: execution and strategy, clear advice for smart lending, and long-term growth. That means the right lender, structure and timing, straight advice so you borrow with confidence, and today's deal built toward where you want to be tomorrow. We are specialists in helping business owners secure finance to purchase their own property, and we understand the complex structures that often sit around it, including multiple trusts, holding companies and self-managed super funds. Since 2016 we have worked across the full range of commercial security, from standard warehouses and retail premises through to going-concern assets that only a handful of lenders assess well. That range is what lets us tell you early which lenders will look at your file and which will not. Every figure is subject to serviceability, lender appetite and approval.

Our main speciality is commercial property loans for business owners and investors, covering owner-occupier purchases, investment property, SMSF and trust structures, refinances and equity release. Alongside that we arrange construction and development finance, business loans, and working capital facilities such as overdrafts and lines of credit. Where a client needs more than one of these, we structure them together rather than in isolation.

Yes. We are specialist mortgage brokers, and while commercial property is our main speciality, home loans are a genuine part of the practice, across more than 1,000 commercial and residential mortgages facilitated over the past 10 years. We focus on 2 core groups.

Group 1: medical, health and legal professionals. They often qualify for lending programs that waive the mortgage insurance premium, where eligibility rests on registration or professional membership rather than income. Learn more about home loans for professionals.

Group 2: business owners. Income arrives through trusts, companies and multiple entities rather than a payslip, and the home sits alongside business borrowing most brokers never see. That is where we do our best work, reading how securities interact across your home and your commercial property, including when to cross collateralise and when deliberately not to, how a shortfall is funded, and whether a general security agreement can carry the business debt so the home stays free. Learn more about home loans for business owners.

We are based in Sydney and work with clients across Australia, including Melbourne, Brisbane, the Gold Coast, Perth, Adelaide, Canberra and Hobart, along with their surrounding regional areas.

No. Arranging finance and advising on financial products are two different disciplines, and we do the first. What we bring is the credit analysis lenders require, the structuring of the facility, and the strategy for putting your application in front of lenders whose appetite matches it.

Because we act as a credit representative under an Australian Credit Licence, we do not give financial product, superannuation, taxation or legal advice, and nothing we provide should be taken as such. Where your circumstances need that input, we are happy to work with your accountant, financial adviser and solicitor to understand the full picture before anything is submitted.

The information on this page is general in nature and does not take account of your objectives, financial situation or needs.