Commercial property loans in Silverwater

It helps to work with a broker who knows the area well. A broker working in this estate knows how lenders and valuers read it, from a small strata unit off Silverwater Road to a freehold parcel in the heavy industrial band. Ardent Capital Group is based in the Sydney CBD on Clarence Street, arranges commercial property loans in Sydney, and works in Silverwater and across Australia.

Yes. We work across the City of Parramatta estates and the surrounding suburbs, including Camellia, Rydalmere, Auburn, Lidcombe and Sydney Olympic Park. 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.

We arrange $50K up to $30M. Strata-heavy stock means a lot of purchases sit at the smaller end, and buyers consolidating several units reach much higher.

We fund the full range here: strata industrial units, freehold warehouses and factories, heavy industrial sites, service commercial and showroom premises, and the retail around the local centre. Lender appetite differs across all of them, which is why we match the property to the lenders that write 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, heavy industrial 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 industrial security it frequently means the file went somewhere with no appetite for that zone or that site. 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 Silverwater that method earns its keep on the zone band and the scheme. We find out which lenders will hold your specific title before an application is lodged, and we present trading 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. Strata adds the plan and levy notices, leased property adds the lease and a rent schedule. We give you a specific checklist up front so the application is submitted right.

Standard industrial security reaches up to 80% of value. Up to 100% of the purchase price is achievable where you add equity from a property you already own. A heavy industrial site or a known environmental history can move the number, so send us the address and we will give you a real figure.

It changes who will write it. E5 permits uses an E4 site cannot take, which is why some businesses need to be in that band, and fewer lenders are comfortable holding heavy industrial security. It does not put the purchase out of reach. It means the shortlist is shorter, and knowing who is genuinely on it before you exchange is the useful part.

A commercial rate is set per file rather than off a shelf price. It moves with the zone band and site, 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, but the inputs are local. A valuer here weighs clearance height, hardstand, power and truck access, then reads them against recent sales in the same estate, of which there are usually plenty. An owner-occupier purchase is assessed on vacant possession, and a leased unit on its passing rent and the strength of the covenant.

Not harder, just assessed on more. With strata the valuer weighs your lot and the scheme behind it, so the by-laws, the levy history and the sinking fund all come into the file. A well-run complex with owner-occupiers in it supports the valuation. We ask for the strata paperwork up front so nothing surfaces late.

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 unit used wholly in a business generally qualifies, a unit 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 Silverwater 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.

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 Silverwater businesses. On asset finance, that covers machinery, forklifts, commercial vehicles, 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.