Australia's leading commercial finance broker

We’re the specialist commercial finance brokers who match your business with the right lender from our 60+ lender panel. Secure loans from $100k – $100m+ while saving time, avoiding costly mistakes, and securing the right terms with professional support at every step.

Nadine and Chris Connell
Co-Founders

Proud Members

Why finding the right commercial finance broker matters

Have you experienced it?

Securing commercial finance shouldn’t require months of your time or leave you second-guessing every decision. Yet most business owners tell us the same frustrations:

❌ “My bank doesn’t understand my business”
❌ “My home loan broker doesn’t understand commercial lending”
❌ “I spent 12 weeks applying for a loan, just to be rejected”
❌ “No one calls me back”

That’s exactly why we are here. We’re the commercial finance broker specialists who actually pick up the phone, understand your business and commercial needs, and help you get deals done.

Expertise That Makes the Difference

We're 100% focused on commercial finance , and that specialisation matters.

Get started

Let’s get the business finance you need.

Nadine Connell
Commercial Finance Broker

Choosing A Commercial Finance Broker

Commercial finance is more complex than personal lending. The rules are different, the application process is different, the lending criteria more complex. That's why clients use our 15 years of experience to get the best outcomes.

What Matters	When You Work With Others	When You Work With Us
Lender Access	❌ Just their own loan products	✓ 60+ lenders compared for best fit
Industry Knowledge	❌ Generic approach to all businesses	✓ Specialist knowledge of your industry's lending landscape
Response Time	❌ Radio silence for days/weeks	✓ Direct mobile access, always answer calls
Application Support	❌ "Do the business plan yourself"	✓ We write professional business plans that lenders want
Financial Preparation	❌ "Get your accountant to do forecasts"	✓ We build cash flow models and 3-year projections
Strategic Positioning	❌ Same application to everyone	✓ Tailored for each lender's specific preferences
Problem Resolution	❌ Submit and hope for the best	✓ Pre-solve issues before lenders see them
Through to Settlement	❌ "You're approved, good luck"	✓ Support you every step until keys in hand

Lender Access

Others: ❌ Just their own loan products

Smart Business Plans: ✓ 60+ lenders compared for best fit

Industry Knowledge

Others: ❌ Generic approach to all businesses

Smart Business Plans: ✓ Specialist knowledge of your industry's lending landscape

Response Time

Others: ❌ Radio silence for days/weeks

Smart Business Plans: ✓ Direct mobile access, always answer calls

Application Support

Others: ❌ "Do the business plan yourself"

Smart Business Plans: ✓ We write professional business plans that lenders want

Financial Preparation

Others: ❌ "Get your accountant to do forecasts"

Smart Business Plans: ✓ We build cash flow models and 3-year projections

Strategic Positioning

Others: ❌ Same application to everyone

Smart Business Plans: ✓ Tailored for each lender's specific preferences

Problem Resolution

Others: ❌ Submit and hope for the best

Smart Business Plans: ✓ Pre-solve issues before lenders see them

Through to Settlement

Others: ❌ "You're approved, good luck"

Smart Business Plans: ✓ Support you every step until keys in hand

The result? Save 20-60 hours of your time and avoid costly mistakes that could impact your business for years.

Michelle Keeley - Smart Business Plans Client

Nadine at Smart Business Plans restructured my financials and business plan so that I went from no interest in my loan application to 3 lenders at the table within 72 hours. The difference was night and day.

" - Michelle Keeley, Western Sydney.

Our Commercial Finance Broker Solutions

We specialise in three areas of commercial finance brokering:

🏢

Commercial Property Finance

Finally ready to stop paying rent? Building your investment portfolio? We're the commercial property finance brokers who understand the difference between a medical centre and a warehouse, between owner-occupied and investment strategy.

Purchase finance (owner-occupied or investment)
Commercial property refinancing for better rates
Development and construction funding
SMSF commercial property specialists
Every property type: office, retail, industrial, medical

→ Explore commercial property finance

💼

Business Loans & Working Capital

Growth opportunities don't wait. Whether your buying an existing business, getting capital to expand, need equipment upgrades, or managing your seasonal flow, we match you with the right business finance fast.

Working capital and cash flow facilities
Secured and unsecured business loans
Invoice finance and trade funding
Startup and early-stage finance
Debt consolidation and refinancing

→ See business loan options

🚛

Asset & Equipment Finance

Why tie up capital in depreciating assets? We arrange asset finance that keeps your cash working in your business while you get the equipment you need now.

Vehicle and fleet finance
Equipment and machinery funding
Technology and software financing
Medical and specialised equipment
Flexible terms to match cash flow

→ View asset finance solutions

Not sure which solution fits? No problem. Let's talk through your situation and find the right finance structure for your business goals.

Get Expert Guidance Call 1300 262 098

What do you need finance for?

Buying

a business

Growing

my business

Managing

my cash flow

Starting

a new business

Our Commerical Finance Application Process

Our commercial finance broker process - transparent and proven

Day 1: We Actually Listen

First, we have a real conversation. Not a questionnaire, not a chatbot - an actual discussion about your business, what you're trying to achieve, and how finance fits that picture. We ask the questions lenders will ask, so there are no surprises later.

Days 2-3: Your Options, Clearly Explained

Based on your situation, we identify which of our 60+ lenders best suit your needs. You'll get a clear comparison - rates, terms, pros and cons. No jargon, no pressure. Just honest advice about your best options.

Days 4-7: We Build Your Case

This is where we earn our keep. We write your business plan (if needed), prepare financial forecasts, and package everything exactly how lenders want to see it. We turn your business story into a compelling finance application.

Week 2: Strategic Submission

We don't just blast your information everywhere. We submit strategically to lenders we we identify as most likely to compete for your business. We handle all the back-and-forth, negotiate terms, and keep you informed without overwhelming you.

Weeks 2-4: Approval to Settlement

Most clients get formal approval within 5-28 business days. We stay in touch through to settlement, ensuring nothing falls through the cracks. You focus on your business; we handle the finance complexity.

Get started

Let’s get the business finance you need.

Nadine Connell
Commercial Finance Broker

Not just your commercial finance broker.

Your business partner for the long haul.

Over the past 15 years Nadine and Chris have had the privilege to help more than 3,300 Australian business owners realise their business goals.

Everyone’s situation and needs are unique. That’s why we offer personalised commercial finance broker and planning services, designed to ensure you get the right type of business finance with the best rates and terms possible.

What’s more, as our client you’ll also get access to all the experience and knowledge of our team – helping you succeed long term. Together.