The brokers you call
when the outcome
actually matters.
Specialist mortgage and asset finance brokers for medical professionals, commercial borrowers, business owners and property investors. 50+ lenders. Expert-level policy knowledge. Rate, structure and lender fit — weighed together, not picked one at a time.
"Most commercial finance applications are assessed incorrectly before they're ever submitted."— Phil Riches · Commercial Finance Broker — a division of Model Mortgages
Commercial finance, across complex scenarios
Commercial property, business and acquisition finance, equipment, working capital and SMSF lending — structured around how each deal is actually assessed.
Commercial Property Finance
Owner-occupied and investment property — where lease structure, tenant strength and security type shape how the deal is assessed.
Business Loans & Lines of Credit
Secured and unsecured business finance to fund growth, expansion or working capital — matched to the lender whose policy fits.
Equipment & Asset Finance
Vehicles, machinery, fit-outs and medical equipment via chattel mortgage, lease or rental — structured around cash flow and tax treatment.
Development & Construction Finance
Funding across the build cycle for residential subdivisions, multi-unit complexes and commercial projects.
Working Capital & Cash Flow
Release liquidity from trade cycles and invoices to fund operations and growth — without locking up working cash.
SMSF Commercial Property Loans
Limited Recourse Borrowing Arrangements to hold commercial property inside a Self-Managed Super Fund.
When the deal sits outside standard policy
Low-doc, medical and professional, private and non-conforming, and debt-restructuring scenarios — matched to a lender whose policy fits.
Low-Doc Commercial Loans
Alternative income verification for established self-employed borrowers who don't have a full set of current financials.
Non-Conforming & Private Funding
Flexible, asset-backed funding for time-sensitive or complex scenarios outside standard bank policy.
Medical & Professional Lending
Many lenders assess medical and healthcare professionals differently — recognising the way practice income and goodwill work.
Debt Restructuring & Refinancing
Consolidate overlapping business liabilities into a single, sensible facility to restore working cash flow.
How a conversation becomes a structured submission
We get the structure and the lender right before anything is submitted — because that is what most affects the outcome.
Understand the deal
The business, the asset and the outcome you’re working toward — confidential, and focused on what’s actually being assessed.
Structure & lender match
How the deal should be structured, and which lender’s policy suits it — worked out before anything is lodged.
Considered submission
Presented to the lender whose policy fits the deal, structured to be assessed on its merits.
Settlement
Valuation, documentation and funding through to completion — subject to the lender’s assessment and terms.
Prepare with AI before you call
Copy-paste prompts to help you organise your commercial deal and documents before speaking with a broker. Drop one into your AI assistant, fill in the brackets, and bring the result with you. General information only — not advice.
Summarise my commercial deal for a lender
Turn a childcare going-concern, medical practice buy-in or commercial property purchase into a clear lender summary.
Help me write a clear, factual one-page summary of my commercial finance deal to give to a finance broker. The deal is a [childcare centre going-concern purchase / medical or dental practice buy-in / commercial property purchase]. The purchase price is [$ amount] and I have [$ amount] in equity or deposit available. Key details: [location / lease term remaining / tenant or occupancy / years trading / my role in the business]. My structure is [company / trust / SMSF / personal]. Summarise the deal, separate the property/asset from the business or going-concern component, list the strengths a lender would look for, and note the open questions I should raise with a broker. Keep it factual and don't assume any LVR, rate or approval.
Going-concern value vs bricks-and-mortar
Plain-English explainer on how the two are assessed differently in a commercial deal.
Explain in plain English how Australian commercial lenders typically assess going-concern value (the business as a trading operation) versus bricks-and-mortar value (the freehold property on its own), using a [childcare centre / medical practice / hospitality venue] as the example. Cover why the two figures can differ, what evidence supports each, and why the split affects how much equity a borrower usually needs. Keep it general, note that policy varies by lender, and that figures and LVRs are subject to the lender's assessment.
Build my document checklist
A tailored list of what to gather before your broker call.
Based on my situation — I'm seeking [commercial property finance / business or working-capital finance / a childcare or practice acquisition / equipment and asset finance] through a [company / trust / SMSF / sole trader] structure — list the documents I should gather before speaking with a finance broker, grouped by category (identity, financials, tax, business, security/asset). Flag anything that often takes time to obtain (e.g. ATO portal printouts, council or lease documents).
Balloon vs no-balloon on equipment
Questions to think through before structuring an equipment or asset finance deal.
I'm financing [vehicle / machinery / fit-out / medical equipment] for my business at a cost of around [$ amount] over [term] years. Explain in plain English the difference between a balloon (residual) and a no-balloon structure on a chattel mortgage or lease, and draft a list of practical questions I should ask my broker and accountant about which suits my cash flow and tax position. Don't recommend one — note that the right structure depends on my circumstances and my accountant's advice, and that this is general information only, not tax advice.
Questions to ask about an SMSF LRBA purchase
For buying commercial premises inside a Self-Managed Super Fund.
I'm considering buying commercial premises inside my Self-Managed Super Fund through a Limited Recourse Borrowing Arrangement (LRBA), likely to lease back to my own operating business. Draft a list of practical questions I should ask my broker, accountant and adviser before proceeding — covering fund structure and trustees, the bare trust, current ATO rules, leasing to a related party at market rent, deposit and liquidity needed, and the exit position. Keep it general information only and note I should get tax and financial advice specific to my fund.
Questions to ask my broker
Walk in prepared with the right questions for a commercial deal.
Draft a list of practical questions to ask a commercial finance broker about my deal, which is [a commercial property purchase / a business or equipment purchase / a childcare or practice acquisition / a refinance or restructure] through a [company / trust / SMSF] structure. Focus on how the deal will be assessed, what affects the equity or deposit I'll need, how the structure and lender choice matter, what could slow the deal down, and what I should prepare. Keep it general and note that any finance is subject to the lender's assessment.
General information only — these prompts are a preparation tool and are not credit assistance, financial or tax advice. Any figures you enter are your own; nothing here implies a particular LVR, rate or approval. Seek advice specific to your circumstances before acting.
Walk in prepared
Pick your situation and tick off what you've got. It makes the broker conversation faster and your application cleaner. Download your list to keep. General information only — your broker will confirm what's needed.
Typical documents when buying owner-occupied or investment commercial property.
General information only — document requirements vary by lender and scenario, and any finance is subject to the lender's assessment. Your broker will confirm exactly what's needed for your deal.