Commercial Finance Broker Sydney
Equipment finance, commercial property, business loans, invoice finance, and cashflow lending — all through one broker with 40+ lenders on panel. We specialise in self employed Australians and SMEs.
What we do
What is a commercial finance broker?
A commercial finance broker is an intermediary between businesses and lenders. Rather than approaching a single bank directly — and accepting whatever terms they offer — a commercial finance broker accesses a broad panel of lenders including major banks, second-tier lenders, non-banks, and specialist financiers, then structures your deal to get the best available outcome for your situation.
At Thrift Capital, we focus exclusively on commercial lending for self employed Australians, ABN holders, sole traders, and SME directors. That means every lender relationship, every product on our panel, and every piece of knowledge we carry is relevant to you — not to salaried employees or corporate treasury departments.
Our commercial lending broker service covers eight finance verticals. Whether you need one product or several, we handle it through a single relationship with one point of contact from enquiry through to settlement.
Finance verticals
What can a commercial finance broker arrange?
Thrift Capital is a full-service commercial lending broker covering eight finance categories. Each vertical is supported by a dedicated lender panel — not a generic list of banks.
Equipment and asset finance
Vehicles, trucks, excavators, machinery, forklifts, and business equipment. Low doc and no doc options for new ABNs. Day-1 ABN accepted with the right lender.
Commercial property finance
Warehouses, offices, retail, and industrial property. Owner-occupied or investment. Up to 80% LVR. Self employed and company structures accepted.
Business loans
Secured and unsecured business loans for cashflow, growth, or one-off expenses. Low doc options available for ABN holders without full financials.
Invoice and trade finance
Turn outstanding invoices into immediate cashflow. Ideal for businesses with strong commercial clients and extended payment terms.
Residential home loans
Low doc, alt doc, and full doc home loans for sole traders, ABN holders, and business owners. Non-bank lenders for those banks have declined.
Construction and private lending
Construction finance, development funding, bridging loans, and short-term private lending for owner-builders and small developers.
Debt consolidation
Combine multiple business or personal debts into a single structured facility. Reduce repayments and improve cashflow position.
Refinance
Refinance existing equipment, commercial property, or business loans to sharper rates or better structures as your business grows and credit history improves.
How commercial finance is structured
Types of commercial finance structures
The finance product matters as much as the lender. Different structures affect ownership, tax treatment, balance sheet position, and flexibility. Your broker advises on which structure suits your purpose before you sign anything.
Most popular for equipment
Chattel mortgage
You own the asset from day one. The lender takes a charge over it as security. Fixed repayments, GST claimed upfront, and depreciation benefits. The most common structure for vehicles and equipment purchases.
Keep options open
Finance lease
The lender owns the asset during the term. You pay monthly rentals and have the option to purchase, return, or refinance at the end. Useful when preserving cashflow or when the asset may need upgrading.
Flexible working capital
Business line of credit
A revolving facility you draw on as needed and repay over time. Interest is charged on the drawn balance only. Ideal for businesses with variable cashflow or seasonal income cycles.
Unlock outstanding invoices
Debtor and invoice finance
Borrow against your outstanding invoices before they are paid. Typically 70 to 90% of the invoice value is advanced immediately, with the balance paid once your client settles. Removes the gap between completing work and getting paid.
Property and land
Commercial mortgage
A secured loan using commercial property as collateral. Used to purchase or refinance warehouses, offices, retail premises, and industrial sites. Terms, LVRs, and rates vary significantly across lenders — broker advice is critical here.
Short-term capital
Bridging and private lending
Short-term funding to bridge a gap — between property purchase and sale, during construction, or when a deal needs to move faster than a bank can process. Higher rates reflect the short term and speed of access.
Who we work with
Who uses a commercial finance broker?
Thrift Capital works exclusively with Australian business owners, self employed professionals, and SME directors. If you earn income through a business rather than a PAYG salary, we are built for you.
Tradies
Equipment, vehicles, and business loans for sole traders in construction, electrical, plumbing, and related trades.
Transport operators
Truck finance, fleet expansion, and working capital for owner drivers and freight operators.
Civil contractors
Excavators, yellow goods, machinery, and plant finance for civil and earthmoving businesses.
SME directors
Commercial property, business loans, and equipment finance for established businesses with complex structures.
Sole traders
Finance solutions for self employed Australians without two years of tax returns or full financials.
Small business owners
Hospitality, retail, professional services, and trade businesses needing equipment, fit-out, or working capital.
Industries we finance
Commercial finance across every industry
Thrift Capital has arranged commercial finance for businesses across a broad range of industries. Our lender panel includes specialists for industries that mainstream banks often treat as higher risk — giving you access to financiers who actually understand your sector.
Construction and trades
Builders, plumbers, electricians, concreters, painters
Transport and logistics
Owner drivers, freight, 3PL, courier operators
Civil and earthmoving
Excavation, civil works, road making, land clearing
Hospitality and food
Cafes, restaurants, catering, food manufacturing
Agriculture and farming
Farm machinery, livestock, agribusiness equipment
Healthcare and medical
Dental, allied health, medical equipment, practices
Manufacturing
Plant, machinery, fit-out, and production equipment
Retail and wholesale
Fit-out finance, stock, equipment, and working capital
Professional services
IT, consulting, accounting, legal, and creative agencies
Property and development
Residential and commercial development, builders
Engineering and mining
Specialist plant, tooling, and site equipment
Landscaping and grounds
Mowers, trailers, chippers, and site vehicles
Why use a broker
Why use a commercial finance broker instead of going direct?
Banks assess commercial lending differently to consumer lending. Serviceability tests are stricter, property types matter, and lender appetite changes regularly. Going to the wrong lender — or applying broadly — wastes time, damages your credit file, and can cost you the deal.
40+ lenders, not just your bank
Major banks, second-tier lenders, non-banks, and specialist financiers. If one lender says no, we have 39 more options and we know which one fits before we apply.
Right lender, first time
We assess your deal structure, trading history, and asset type before submitting anything. One credit enquiry to the right lender — not multiple declines building up on your file.
We negotiate on your behalf
Volume across our lender panel means we often secure rates and terms you could not get applying direct. That applies to equipment, commercial property, and business loans alike.
One relationship, eight verticals
Equipment finance this month, commercial property next year, refinance after that. One broker who knows your business across every finance decision, not starting from scratch each time.
The process
How it works
Tell us what you need
The finance type, approximate amount, and your ABN or business structure. That is enough to start a conversation.
We assess the deal
We look at your trading history, financials or bank statements, and the purpose of the finance to identify the right lenders before touching your credit file.
We structure and submit
We package your application to present your strengths correctly and submit to the lender most likely to approve you at the best available terms.
Approval and settlement
We manage the process through to settlement, liaise with lenders, and keep you informed. Our service costs you nothing — lenders pay our commission.
Ready to discuss your commercial deal?
No obligation. No upfront fees. No impact on your credit file until you are ready to proceed.
Common questions