Griffith commercial property loans

It helps to work with a broker who knows this market. Irrigation-area property throws up two things a metropolitan purchase never does: the land is often rural-zoned rather than commercial, and the water is a separate legal asset. Ardent Capital Group runs its Sydney commercial property lending from Clarence Street in the CBD, and arranges finance in Griffith and across Australia.

Yes. Commercial lending is not a branch business, and the credit team assessing your file could be anywhere. Most of the process runs by phone, email and video. We know which lenders write irrigation-area and rural-zoned security and how a local valuer reads it, which is knowledge rather than proximity.

We arrange $50K up to $30M. Irrigation agribusiness sits at the larger end, and the deep owner-occupier base here means many purchases land comfortably below it.

We cover the full range: packing and processing facilities, cold storage, wineries, transport depots and workshops, property on rural-zoned land, and the shopfronts, offices, consulting rooms and hospitality in town. Lender appetite differs sharply across those, which is why we match the property to the lenders that write it.

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 Griffith that method earns its keep before the application. We establish what is actually being sold, what the land is zoned and whether the water is included, because getting those three wrong is what sends an irrigation-area file to a lender who was never going to write it. 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, recent business and personal financials, tax returns, bank statements, and details of your entity or trust structure. Add the zoning certificate, a schedule of fixed plant, and details of any water entitlement included in the sale. Seasonal businesses should include a full trading year.

Standard commercial and industrial security reaches up to 80% of value. Security on rural-zoned land generally gears more conservatively and goes to a different lender list. Up to 100% of the purchase price is achievable where you add equity from a property you already own. Send us the address and the title details and we will give you a real figure.

Not automatically, so settle it before you sign. Under the Water Management Act 2000 a water access licence is separated from the land it waters and is held and traded independently, so it transfers only if the contract expressly says so. Two otherwise identical properties can be worth very different amounts depending on the water attached. We work out what is included before the finance is structured.

Yes. Revenue NSW treats both land and water licences as dutiable property, and the apportionment between them has to reflect market value rather than whatever figure the parties nominate. The detail of your position is a matter for your solicitor and accountant, who advise on duty and tax. We make sure the finance is structured around whatever that apportionment turns out to be.

A commercial rate is set per file rather than off a shelf price. It moves with the security type and the property, 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.

It matters a lot, and it is very common here. Rural-zoned land is a different security type to commercial or industrial: it goes to a different lender list, is valued against rural comparables, and generally gears more conservatively. It does not stop the purchase, and agribusiness lenders write this security routinely. Knowing it at the outset means the file goes somewhere that can actually take 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 property used wholly in a business generally qualifies, a property 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 Griffith commercial 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 town commercial 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. Rural-zoned security, processing facilities, water entitlements and SMSF deals take longer, partly because there are more moving parts to confirm. We give you a realistic timeline before you commit to an exchange date.

Often not. A decline from one lender does not mean the deal is not fundable, and here it frequently means rural-zoned security went to a lender who only writes commercial, or a processing facility was assessed as plain floor area. Agribusiness and specialist commercial lenders take a different view. We will give you a straight assessment before proceeding.

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 Griffith businesses. On asset finance, that covers grading and packing lines, refrigeration and cold storage plant, tractors and harvesters, trucks 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.