Why use a commercial property finance broker instead of going direct to a bank?

Commercial property finance brokers like Smart Business Plans provide access to 60+ lenders (not just one), prepare your business plans and cash flow forecasts (saving $3000-5000), negotiate better rates through volume discounts, and achieve 95%+ approval rates by matching you with the right lender. Banks only offer their own products with standard rates and no assistance with documentation.

What's the difference between a commercial finance specialist and a general mortgage broker?

Commercial finance specialists focus 100% on business and commercial property loans, understanding complex deal structures, development finance, and business cash flows. General mortgage brokers primarily handle residential loans and typically lack the expertise, lender relationships, and documentation skills needed for commercial transactions.

Do commercial finance brokers charge fees?

Smart Business Plans receives commission from lenders, not from clients. We also include business plan preparation and cash flow forecasting at no extra charge - services that would typically cost $3000-5000 if sourced separately. This makes our service effectively free while providing better outcomes than going direct.

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Our Specialist commercial Finance Broker Services

Commercial finance broker services for Australian business owners and commercial property investors.

Expert guidance and full end-to-end specialist commercial loan brokering for all types of commercial deals. 15+ years of proven results.

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Commercial Finance Services

Our Commercial Finance Broker Services

Transparent investment levels. Specialist commercial finance broker services & guidance. Start with a free consultation.

Service Package	Your Investment	What's Included	Best For
Initial Consultation 30-minute phone assessment to understand your needs and recommend the best path forward	(Normally valued at $195 +GST) FREE No obligation Book now	Discuss your goals and situation Expert assessment of your needs Finance options overview Lender and rate guidance Clear next steps	Best starting point for all clients to ensure we understand your goals and requirements
Specialist Commercial Brokering Full-service brokering for straightforward commercial finance applications	(Normally valued at $1,995 +GST) FREE We're paid by the lender on successful settlement	Complete loan application management We assess 60+ potential lenders Rate negotiation & deal structuring Full service through to settlement Post-settlement support 10-20 hours dedicated work 12-week exclusive engagement	• Loans under $3M, or • Standard commercial loans • Lease-to-buy arrangements • Investment properties • Equipment finance • Refinancing
Premium Commercial Brokering Comprehensive service for complex or large-scale commercial deals	$3,995 +GST Includes business plan & cash flow projections	Everything in Standard service, plus: Business plan & cash flow ($1,895 value) Complex deal structuring Multiple lender submissions 20-40 hours dedicated work 20-week exclusive engagement	• Loans over $3M, or • Development finance • Multi-asset deals • Credit challenges • SMSF structures • Multi-lender deals
Supporting Documents
Business Plan and Cash Flow Forecast Comprehensive business plan with detailed financial projections to strengthen your loan application	$1,895 +GST 3-5 business days	Executive summary Market analysis 3-year monthly cash flow forecasts Revenue & expense projections Sensitivity analysis Risk assessment Bank-optimised format	• Bank loan applications • Investor presentations • Strategic planning • Financial management

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How We Work Together

Our commercial finance broker services are designed around a partnership for your success

Free Consultation

30-minute assessment of your needs

Mutual Agreement

We agree to an exclusive engagement

We Deliver

Full service through to settlement

Benefits Of Exclusive Engagements

For You

Single point of contact
No conflicting applications
Protected credit profile
Stronger negotiating position
Clear accountability

Our Commitment

10-40 hours dedicated work
60+ lenders assessed
Expert negotiations
No upfront fees (Specialist)
Full settlement support

Engagement Periods & Approval Timeframes

Specialist Brokering	12 weeks
Premium Brokering	20 weeks
Typical approval	2-6 weeks
Settlement after approval	2-4 weeks

Important: You maintain full control throughout the process. We present finance options, you make the final decision. The exclusivity period simply ensures we can commit our full resources to your success whilst protecting your interests.

Why Exclusivity Matters

Why Exclusivity Works In Your Favour

Multiple Brokers = Mixed Messages

When different brokers approach the same lenders with varying presentations of your business, it creates confusion and weakens your position.

Lender Relationships Matter

We've built trusted relationships with our 60+ lenders over 15+ years. They know when we bring them a deal, it's properly prepared and worth their time.

Speed and Efficiency

With exclusive engagement, we can move quickly without worrying about conflicting applications or competing brokers interfering the negotiation process.

Protection of Your Interests

The exclusivity period prevents duplicate applications that can damage your credit profile and confuse lenders, whilst allowing us to invest significant time and resources.

Contact Smart Business Plans