Commercial property loans, Smithfield

It helps to work with a broker who knows the area well. A broker who is across this precinct knows how lenders and valuers read older industrial stock, and which buildings on which streets have been genuinely improved. Ardent Capital Group arranges commercial property finance across Sydney from its Clarence Street office, and works in Smithfield and the rest of Australia.

No. We work across the Fairfield City precinct and the surrounding suburbs, including Wetherill Park, Yennora, Prairiewood, Villawood and Greystanes. 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.

Our range is $50K to $30M. Older stock on smaller lots keeps many deals modest, though the same range supports a larger holding or an amalgamation.

Factory and workshop buildings, warehouses, trade counter and showroom premises, highway-frontage sites, smaller freehold lots and the service commercial around the local centres. Lender appetite differs across all of them, which is most of the reason a file ends up at the wrong lender.

Often, yes. A decline from one lender does not mean the deal is not fundable, and on older industrial stock it frequently means the file went somewhere with no appetite for the building age. Non-bank and specialist commercial lenders take a different view on LVR, income presentation and asset condition. 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 Smithfield that method earns its keep on the building itself. Older stock rewards a file that shows what has been done to it, and we assemble that before a valuer is instructed rather than arguing about it afterwards. 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. An older building is helped by invoices and consents for any works. Leased property adds the lease and a rent schedule. We give you a specific checklist up front.

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. The age and condition of the building can move where you land inside that band, so send us the address and we will give you a real figure.

It makes the valuation more specific rather than harder. The valuer prices what is there now: the roof, the power, the floor and the office component, against recent sales of similar-age stock nearby. Where money has been spent on the building, that work supports the number, so we ask for invoices and consents up front and put them on the file rather than leaving the valuer to guess.

A commercial rate is set per file rather than off a shelf price. It moves with the building and its condition, 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.

On the split. A building weighted towards showroom is valued closer to commercial retail, one weighted towards warehouse closer to industrial, and the two do not gear identically. Give us a floor plan with the areas marked and we will tell you which side of the line yours falls on before anything is lodged.

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 Smithfield 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, refurbishment 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.

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 Smithfield businesses. On asset finance, that covers machinery, fabrication and workshop plant, commercial vehicles 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.