Commercial finance brokers, Brisbane. Business lending is negotiated, not advertised.

What a commercial finance broker does, and what it costs.

A commercial finance broker arranges funding for a business from a panel of lenders rather than from one bank: commercial property, working capital, equipment, acquisitions and development. The work is not shopping a rate, because commercial lending does not have rates to shop. It is preparing a credit submission that answers a credit team’s questions before they are asked, then running that submission past the lenders whose appetite actually fits the industry and the deal size.

On most business and commercial loans the lender pays the broker, exactly as it does on a home loan, and the engagement costs you nothing. Complex or private-funded work can carry a mandate fee. Where it does, it is agreed in writing before any work starts, so you see the model before anything is lodged rather than afterwards. That is the whole of it: no success fees discovered at settlement, no trailing surprises.

How commercial deals are priced.

Against risk and security, in that order. The numbers move with the market but the shape does not: what secures the loan sets the price band, and the strength of the file sets where you land inside it. Fees matter as much as the rate, because establishment, line and valuation fees change the true cost of a commercial facility materially.

What a commercial credit team reads.

The same five things, every time. A file that answers them before they are asked gets priced like a strong deal, because it reads like one. That preparation is most of what you are hiring.

• The financials, and what they really say. Two years, with add-backs understood and explained rather than left for an analyst to guess at.
• The ATO position. Clean, or with a plan attached. Arrears are not fatal; surprises are.
• The security, and what it is genuinely worth. Including the lease profile where the value tracks a tenant.
• Purpose and exit. What the money does, and how it comes back. Written down, in one page.
• The narrative. Why this business, this operator and this deal make sense together. Credit teams are people.

If you would rather see where you stand before talking to anyone, the Business Borrowing Health Check walks the same five markers and tells you which ones would hold your deal up.

Since 10 August 2026, commercial property is the only property an SMSF can borrow to buy.

This is the biggest change to business premises lending in years and it is worth understanding even if you were not thinking about super. A limited recourse borrowing arrangement entered into on or after 10 August 2026 can only be used to acquire business real property: property used wholly and exclusively in a business, which covers offices, warehouses, factories, medical and most commercial premises. An SMSF can no longer borrow to buy a residential investment property.

Commercial borrowing through super is untouched by the change, and arrangements already in place before 10 August 2026 are grandfathered, including refinances of them, as are contracts exchanged before that date. The practical effect is that the owner-occupier strategy, where your fund buys the premises and your business pays market rent to your own super, is now the standout structure for established owners rather than one option among several. The lending is specialist; the strategy and compliance sit with the licensed advisers at LINK Wealth. We run the SMSF side of the lending and the strategy together.

Who runs the desk.

Jacob Keenan takes the lending other brokers pass on: complex commercial deals, SMSF purchases, business and equipment finance, and the residential files that do not fit a template. He is the reason the firm can do the commercial end at all. Credit Representative 574906, authorised under Australian Credit Licence 389328, working from the group’s Fortitude Valley office alongside the accountants at LINK Advisors and the advisers at LINK Wealth.

One group, the whole balance sheet.

Commercial deals cross disciplines: LINK Advisors gets the financials lender-ready and structures the entities; LINK Wealth handles the SMSF premises strategy and what the deal means for your personal position; the lending desk sits here. When the accountant, the adviser and the broker share a hallway, the deal doesn’t lose weeks to email chains.