Commercial finance is a specialised area of business lending that extends far beyond what a standard residential mortgage can offer. Whether you need to purchase a commercial property, fund a business expansion, or unlock equity in an existing asset, RAI Financial Services has the expertise and lender relationships to structure the right solution.
Based in Castle Hill, we work with business owners and investors across Sydney and NSW. Commercial lending is more complex than residential — policies vary greatly between lenders, assessment criteria are more nuanced, and the way your business finances are presented can make a significant difference to the outcome.
Whether you're buying an office, warehouse, retail tenancy, industrial unit, or mixed-use property, we source commercial property finance across a broad panel of lenders. LVRs, interest rates, and assessment criteria differ significantly from residential lending — our expertise ensures your application is structured correctly from the outset.
We help businesses access lending for working capital, stock purchases, fit-outs, technology upgrades, and business acquisitions — both secured and unsecured, depending on your assets and financials.
Residential and commercial development requires specialist finance. We have access to lenders who fund construction of multi-unit residential projects, commercial developments, and land subdivisions, including land acquisition, construction drawdowns, and presale requirements.
If your current commercial loan is coming up for renewal or you're paying a rate that no longer reflects your position, we can review your options across the market and identify whether refinancing or releasing equity makes sense.
Most brokers arrange loans. We bring strategic, analytical thinking grounded in financial rigour — the kind you’d expect from a Big 4 adviser or corporate finance director, not a lending generalist. For business owners and commercial investors, that difference is significant.
Financial statements, tax structures, lending ratios, liquidity, gearing, cashflow modelling — we read and interpret these the same way your lender does. This means we can structure and present your application in the way that gives you the strongest possible credit case, rather than leaving it to chance.
With experience at KPMG and other major consulting firms, we bring advanced financial modelling, forecasting, and strategic analysis into every commercial lending scenario. Where other brokers submit a form, we build a case.
Having held senior roles in major banks and ASX-listed organisations, we understand exactly how lenders think, how they assess risk, and how credit decisions are made. That inside knowledge gives our commercial clients a real edge — we know what lenders want to see before they ask for it.
We don’t simply secure you a loan and move on. We help you structure your business or property position for better lending outcomes — now and over the long term. That might mean restructuring your financials before application, timing a refinance to maximise equity, or identifying a lending structure that supports your growth strategy rather than constraining it.
Commercial lending is rarely straightforward. Unusual security types, complex ownership structures, trust entities, development projects, and business acquisitions all require a broker who can navigate complexity — not one who only operates within a standard template. We specialise in exactly these situations.
Unlike residential lending, commercial finance does not have the same level of standardisation across lenders. Each bank has its own policies around acceptable security types, serviceability, industry risk, and LVR limits. Going directly to your bank limits you to one set of options and one perspective.
You can, but you’ll only see one lender’s products. Commercial lending rates and terms vary significantly between lenders, and the difference in cost over a five-year commercial loan can be substantial. We compare multiple lenders to ensure you’re getting a competitive deal.
Yes, though it’s more complex. New businesses typically need a strong business plan, evidence of industry experience, and often a larger deposit or additional security. Some specialist lenders cater specifically to new or growing businesses.
Commercial lenders typically lend up to 65–70% of a property’s value, compared to up to 95% for residential. Some specialist lenders may go higher depending on the property type, lease terms, and borrower strength.
You can use the SMSF’s own cash for repairs and maintenance. However, you cannot use borrowed funds (the LRBA) for renovations or improvements. Borrowed money must be used only for the original purchase.
Typically four to eight weeks from application, depending on the lender and documentation. We recommend allowing for an extended settlement period when negotiating your purchase contract.
Yes. If your SMSF already has a property under an LRBA, refinancing to a better rate is possible. We can review your existing loan against current market offerings — meaningful savings may be available.