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Commercial property loans — owner-occupier and investment
Canberra-based. Working across Australia.
We're not a Sydney local — we're a national panel that works like one broker.
Black Mountain Financial is a Canberra-based commercial finance brokerage. We arrange commercial finance for Sydney businesses, investors and developers through our national panel of 100+ lenders — banks, non-banks and private credit. You get the full market, not one bank's checklist.
The work is senior-led and done thoroughly, wherever your asset sits. Most of the process runs by phone, email and video, so where we're based doesn't change the outcome — the structure of your deal does. If a facility doesn't stack, we'll tell you.
Commercial Loan Types
The commercial finance we arrange.
The full spectrum of commercial lending for Sydney deals — from commercial property loans and mortgages through to equipment finance, debtor finance and debt advisory.
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Commercial mortgages across all title and asset types
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Bridging and pre-sale facilities for commercial assets
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Commercial construction and development finance
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Equipment and asset finance
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Trade finance and debtor finance facilities
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Portfolio restructuring and refinancing across commercial holdings
Commercial Debt Advisory
Beyond the transaction.
Some of our most valuable work isn't arranging a new loan — it's reviewing and improving what you already have. Commercial debt advisory covers your entire commercial debt position. We work for you, not the bank.
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Independent structuring advice — we work for you, not the bank
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Debt review and commercial portfolio audit
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Interest rate strategy across fixed, variable, and hedging instruments
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Lender negotiation and covenant renegotiation
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Cross-collateralisation unwind and security restructuring
At a Glance
Commercial finance parameters.
01 LVR
Owner-occupied commercial up to 100% — investment LVR subject to asset and lender policy. Illustrative and deal-dependent.
02 Loan Size
Across commercial property, construction, and business facilities
03 Lender Panel
Major banks, regional, non-bank and private credit — nationally
04 Asset Types
Office, retail, industrial, mixed-use and specialist commercial — subject to LVR and ICR
05 Coverage
We arrange Sydney commercial finance remotely through our 100+ lender panel. Canberra-based, working across Australia.
06 Pricing
Our advice prioritises your outcome — lender selection is never driven by commission.
Our Process
How we work.
Commercial finance takes longer and demands more information than residential lending. Here is exactly what our process looks like — worked remotely, wherever your asset sits.
01 Commercial Finance Review
We start with a clear picture of your commercial position — existing debt, security profile, business cash flow and objectives. Most clients find this surfaces opportunities they hadn't considered.
02 Structure the Facility
The right structure depends on your asset, business and cash flow. We model loan structures, assess lender fit and identify the approach most likely to succeed — and to perform over time.
03 Access the Right Lenders
Our panel covers major banks, regional banks, non-bank lenders and private credit. We know which lenders have genuine appetite for Sydney commercial deals, and how to present yours.
04 Manage to Approval
Commercial credit takes longer and asks for more than residential lending. We run the process — preparing submissions, answering credit queries and keeping your deal moving.
05 Settlement and Beyond
Beyond settlement, we keep reviewing your commercial debt — monitoring rate markets, covenant compliance and portfolio opportunities as they arise.
→ When not to borrow
Structure comes first. If the facility doesn't stack — on DSCR, ICR or the exit — we'll tell you. Sometimes the right call is not to borrow at all.
FAQs
Commercial finance — frequently asked.
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What is commercial finance and how does it differ from a home loan?
Commercial finance covers lending for business purposes — buying or refinancing commercial property, funding business operations, or financing equipment and trade. Unlike residential home loans, commercial lending is assessed on the income-generating capacity of the asset or business as well as the borrower's financial position. LVRs are typically lower, rates differ, and the assessment process is more complex.
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Do you have an office in Sydney?
No. Black Mountain Financial is based in Canberra and works with clients across Australia. Commercial finance for Sydney deals is arranged remotely through our national lender panel — most of the process runs by phone, email and video. What matters for approval is how your deal is structured and presented, not where your broker sits.
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How much can I borrow for a commercial property in Sydney?
Commercial LVRs typically range from 60% to 75% for standard investment commercial, and up to 80% for owner-occupier commercial with strong business cash flow. Specialist assets or deals with weaker cash flow coverage may attract lower LVRs. The most important factor is usually the Debt Service Coverage Ratio (DSCR) — the rental income or business cash flow relative to debt repayments. These figures are illustrative and subject to lender assessment.
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Why use a commercial finance broker for a Sydney deal?
Not every lender has the same appetite for a given asset, location or structure. A broker with a 100+ lender panel gives you the whole market in one place — banks, non-banks and private credit — and presents your deal in the format credit teams respond to, which can matter as much as the numbers. For a Sydney deal, that access is national, so where we're based doesn't limit your options.
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What does commercial debt advisory actually involve?
Commercial debt advisory goes beyond arranging a loan. It involves reviewing your entire commercial debt position — existing facilities, rates, security, covenants and structure — and advising on improvements. This might mean refinancing to a better-structured facility, unwinding cross-collateralisation that's limiting your portfolio, negotiating covenant relief with an existing lender, or restructuring debt across a commercial portfolio ahead of a sale or acquisition.