Commercial property loan brokers in Eastern Creek

It helps to work with a broker who knows the area well. This land is planned by the State rather than by council, deals run large, and the lender who is right at $3 million is rarely the one to approach at $20 million. Ardent Capital Group sits on Clarence Street in the city, handles Sydney commercial property day to day, and arranges finance in Eastern Creek and Australia-wide.

Yes. We work across the M4 and M7 corridor, including Erskine Park, Minchinbury, Arndell Park, Huntingwood and Prospect. Most of the process runs by phone, email and video, and we come to site when it helps.

Between $50K and $30M. Modern large-format estates push deal sizes up, but smaller units in the older pockets nearby are financed on the same terms.

We fund the full range here: modern large-format distribution facilities, warehouses, design-and-construct projects on serviced land, and leased investment stock. Lender appetite differs across all of them, and at these sizes it differs by loan amount as much as by asset.

As construction lending. The facility is drawn in stages against certified works, sits interest-only through the build and converts to a term loan on completion, and it is sized against the end value rather than the land. A fixed-price contract with a builder of appropriate capacity is what a lender needs to see, and a pre-commitment from an incoming tenant transforms it.

Yes, it is possible, and we arrange these. It is also one of the more intricate purchases in commercial finance, and the detail is what decides whether it works. The fund borrows under a limited recourse borrowing arrangement, so the property sits in a separate holding trust and the lender can only come after that one property. From 10 August 2026 a new arrangement can only be used for business real property: a facility used wholly in a business generally qualifies, a facility with a residence attached generally does not. Your operating company leases the property back from the fund, in writing, at market rent supported by an independent appraisal, and the rent has to actually be paid. Cross-collateralisation is not available inside super, so the fund needs its own deposit and the 100% LVR structures described elsewhere on this page do not work here. Standard commercial security inside a fund is generally available to 65% to 80% of the lender's valuation, with cash left in the fund after settlement. We know this sounds complicated, and we can assist to make things clearer. Reach out to our team and we will guide you through the entire process. We structure the finance, tell you which lenders will take a Eastern Creek logistics property as SMSF security and on what terms, and bring in the SMSF specialists and licensed advisers who set the fund side up. You will not be working it out on your own. Get that right and it is a solid, compliant structure. Our business real property page sets out what that test requires and the situations that decide it.

A straightforward purchase with clean financials usually settles in four to six weeks, and can be as quick as two weeks where the documentation is ready at the start. Larger investment facilities, construction and SMSF deals take longer, and above a few million the major banks work to their own credit timetable. We give you a realistic timeline before you commit to an exchange date.

Often, yes. A decline from one lender does not mean the deal is not fundable, and at this scale it frequently means the file went to a lender who does not write that number, or whose policy list did not recognise the zone code. Non-bank and specialist commercial lenders take a different view. We will give you a straight assessment before proceeding.

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. In Eastern Creek that method earns its keep on the submission. At this size a single file assembled the way an institutional credit team reads one goes further than approaching six lenders with a summary, and we know which lenders are genuinely writing at your number. We have facilitated more than 1,000 commercial and residential mortgages and funded over $2B. Every figure is subject to serviceability, lender appetite and approval.

A typical application needs identification, the contract or property details, full financials for every entity involved, tax returns, bank statements and your trust or company documents. Leased property adds the lease, the rent schedule and the tenant's standing. Construction adds plans, specifications and the building contract.

Standard industrial security reaches up to 80% of value. Vacant land gears to around 65% until a building carries it. Above a few million the lease doc bands step down and the lender list narrows. Send us the address and the loan amount and we will give you a real figure.

Because this land sits under a State Environmental Planning Policy rather than the council LEP, and the SEPP retained the older industrial zone codes instead of transitioning to the employment zones. It is an administrative difference rather than a substantive one, but a lender policy list written against council zones can stall a file on the wording. We check the instrument before lodging, which takes minutes.

A commercial rate is set per file rather than off a shelf price. It moves with the facility and the size of the loan, the LVR, the loan size, the entity you borrow through, and whether the lender is verifying your full financials or just the lease. We will tell you the range your deal genuinely sits in before you spend anything, and where the levers are.

Transfer duty is charged on the dutiable value of the property on the general NSW scale, and there is no owner-occupier or first-buyer concession the way there is on a home. Surcharge purchaser duty applies to residential-related property, so a purely commercial purchase is generally outside it. Duty and GST are funds you bring to settlement rather than part of the loan, so we set your funds-to-complete figure with you before you exchange. Revenue NSW publishes the current scale.

The methodology is the same nationally, and modern stock is the easier half of the market to value because the specification is comparable. Knight Frank had Outer West vacancy at 2.8% in Q1 2026, tighter than the South West, with land at $1,383 per square metre for lots under 5,000 square metres. A valuer reads a re-letting assumption against that.

Most of the time, no. Where a deal needs significant preparation or is unusually complex, a small mandate fee may apply, and we will always tell you plainly before any work begins.

Although we are based in Sydney, we service clients across all major Australian cities, including Melbourne, Perth, Brisbane, the Gold Coast, Adelaide, Canberra and Hobart, along with their surrounding regional areas. Wherever your commercial property is located, we can arrange your finance.

Although our main speciality is property loans for business owners, we also assist with asset finance and working capital for Eastern Creek businesses. On asset finance, that covers automation and sortation, racking and materials handling, forklifts, prime movers and trailers. On working capital, we arrange business overdrafts, lines of credit and cash-flow funding to cover stock, supplier payments and cash-flow gaps. We also arrange home loans, planned alongside your commercial borrowing: cross collateralisation, guarantees, shortfalls and trust income included. See home loans for business owners.

Yes. That is our core ethos, helping you understand the right strategy, structure and clear advice from the very first conversation. Our main borrower profiles are established business owners and commercial property investors seeking finance from $50,000 upwards for their company, so a first commercial loan is well within our wheelhouse. Smaller sole-trader and consumer-style ABN lending sits outside our field.

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.