Commercial property loans, Ingleburn

It helps to work with a broker who knows the area well. A broker who is across the Macarthur estates knows how lenders and valuers read a working factory against a plain warehouse, and what the recent sales in the estate actually support. Ardent Capital Group is a commercial finance brokerage on Clarence Street, working in Ingleburn, throughout Sydney and Australia-wide.

No. We work across the Macarthur estates and the surrounding suburbs, including Minto, Macquarie Fields, Glenfield, Prestons and Campbelltown. Most of the process runs by phone, email and video, and we come to site when it helps, so the distance is never the thing that slows a deal down.

Anywhere from $50K to $30M. Macarthur manufacturers buying the premises they already occupy make up much of that, alongside smaller trade and service businesses.

Factories and manufacturing premises, warehouses and distribution buildings, workshops, freehold sites with yard and hardstand, vacant industrial land and tenanted investment stock. Lender appetite differs across all of them, which is most of the reason a file ends up at the wrong lender.

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 building used wholly in a business generally qualifies, a building 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 Ingleburn industrial 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 owner-occupier 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. SMSF, land and construction deals take longer. We give you a realistic timeline for your specific property before you commit to an exchange date, so the contract and the finance are working to the same calendar.

Often, yes. A decline from one lender does not mean the deal is not fundable, and on a specialised factory it frequently means the file went somewhere with no appetite for that kind of building. Non-bank and specialist commercial lenders take a different view on LVR, income presentation and asset type. We will give you a straight assessment of what is achievable 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 Ingleburn that method earns its keep on the building specification and the evidence. We put the local comparable sales in front of the valuer and present manufacturing income across your entities the way a credit team expects to read 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. A specialised building is helped by a plant schedule and the electrical capacity. Construction adds plans and a building contract.

Standard industrial security reaches up to 80% of value. Vacant industrial land gears to around 65%, because there is no building to value. Up to 100% of the purchase price is achievable where you add equity from a property you already own. Send us the address and we will give you a real figure.

A commercial rate is set per file rather than off a shelf price. It moves with the building and how specialised it is, 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 depends which side of the deal you are on, and we will be straight about it. Knight Frank had South West vacancy at 3.9% in Q1 2026, the softest of the four Sydney precincts. For a business buying the building it will occupy, that is choice and negotiating room. For an investor it means the lease term and the covenant do more of the work in the assessment.

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 Ingleburn businesses. On asset finance, that covers production machinery, forklifts, prime movers and trailers, racking and fit-out. 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.