Commercial property loans across Seven Hills

It helps to work with a broker who knows the area well. A broker who is across this part of Blacktown knows how lenders read a small workshop, a fenced yard and a showroom on the main road differently. Ardent Capital Group is based on Clarence Street and arranges finance in Seven Hills, across Sydney and around the country.

No, and it works better than people expect. We work across the Blacktown industrial pockets and the surrounding suburbs, including Prospect, Arndell Park, Toongabbie, Lalor Park and Winston Hills. 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.

Between $50K and $30M. The working pocket here is mostly smaller units and yards, so many purchases land in the lower half, with room well above it when needed.

We finance all of it: workshops, small warehouses and units, fenced yards and hardstand, service commercial and showroom premises on the arterials, and the retail around the local centres. Lender appetite differs across all of them, which is why we match the property to the lenders that write 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 Seven Hills 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 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 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.

We find out what actually caused it. A decline from one lender does not mean the deal is not fundable, and on a first commercial purchase it frequently means trade income was presented in a form that lender could not read. Non-bank and specialist commercial lenders take a different view on LVR and income presentation. 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 Seven Hills that method earns its keep on the deposit and the structure. Most buyers here are purchasing their first premises, and getting the equity and the entities right at the start keeps the rest straightforward. 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. If you are using equity from another property, we will need that property's details too. We give you a specific checklist up front.

Standard industrial security reaches up to 80% of value. A yard or hardstand site with no real building gears to around 65%. 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.

With the deposit, not the property. Whether you use cash, equity in a home or investment property, or a mix, changes what the business needs in the bank on settlement day and which lenders will look at the file. We work that out with you first, then you know your real budget before you start making offers.

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

Not at all, and it is how most trade businesses are set up. It just means the income has to be shown across both entities before a credit team will price the loan, and lenders differ in how readily they read that. Presenting it properly is a large part of what we do, and it is usually the difference between a clean approval and a run of questions.

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 Seven Hills businesses. On asset finance, that covers utes and work trucks, trailers, excavators and workshop plant, 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.