We focus on scenarios where lender assessment is complex and outcomes depend on structure - not just financials.
Childcare & Early Learning Finance
Buying, building or refinancing a childcare centre.
Childcare finance is its own discipline. Lenders weigh occupancy levels, the strength of the lease, operator experience, location, and whether you are buying the freehold, the going-concern business, or both. Because lenders assess occupancy, location and operator experience so differently, matching the deal to the right funder is critical — and that is where we add value.
Freehold-with-going-concern vs leasehold business purchase
Occupancy levels and waitlist demand
Lease terms, length and the landlord reputation
Operator and management experience credentials
Location, licensed places and catchment supply
Specialised vs standard commercial security valuations
Medical & Healthcare Premises
Funding for clinics, medical suites, and specialized practitioner properties.
Medical practitioners, dentists, and allied health professionals are often viewed favourably by lenders. For eligible borrowers, some lenders may consider higher LVRs or reduced or waived lenders mortgage insurance — this depends entirely on the lender's policy and your circumstances, and is subject to assessment. Where it makes sense, we coordinate the premises financing alongside your business equipment and personal lending.
Higher LVRs or reduced/waived LMI may be available for eligible borrowers — subject to lender policy and assessment
Clinic room acquisitions, professional suites, and commercial offices
Medical practice buy-ins and goodwill funding
Specialised diagnostic, dental chair, and surgical plant setups
Experience across general practitioner, dental, veterinary, and allied health scenarios
Interest margins and terms depend on the lender, the security and your circumstances
Commercial Property Finance
Industrial warehouses, retail boutique storefronts, and corporate offices.
Acquiring or refinancing commercial property requires sophisticated structuring to align with your business goals, tax requirements, and cash flow cycles. We model commercial property acquisitions across premium capital markets, securing the right structure and customized covenant structures for our clients, structured for both owner-occupied and investment properties.
Commercial LVRs and terms vary by lender, security type and your circumstances — subject to assessment
Specialist low-documentation options using BAS declarations
Self-Managed Super Fund (SMSF) LRBA trust frameworks
Lease covenants: Weighted Average Lease Expiry (WALE) weighting
Refinancing existing commercial debts for lower margins
Flexible principal and interest or interest-only periods
Equipment & Asset Finance
Fund the equipment without tying up your active cash.
Whether it is clinic equipment, heavy industrial plant, commercial vehicle fleets, or a custom workspace fit-out, the right facility keeps your working capital free and matches the repayment to the asset's economic life. We structure the deal alongside your accountant to coordinate tax treatment and interest deductibility.
Chattel mortgage — own the asset, finance the cost
Finance lease & rental / operating lease options
Low-doc asset finance for established business ABNs
Heavy machinery, yellow goods, and transport vehicles
Practice fit-outs, surgical dental chairs, hardware
Facility limits and pre-approvals depend on the lender and are subject to assessment
Business Expansion & Restructuring
Acquisitions, working capital, and consolidated structures.
Power your growth with highly responsive financing. From unsecured working capital facilities to asset-backed revolving lines of credit, we work alongside business owners to establish capital lines that support mergers, regional rollouts, and debt restructures without locking up active cash flow.
Secured and unsecured business loans — limits depend on the lender and are subject to assessment
Revolving lines of credit and overdraft integrations
Debt restructuring: consolidating short-term business loans
Invoice discounting against debtor ledgers — advance rates vary by lender and are subject to assessment
Supply chain and international trade financing options
Assessment timeframes that depend on the lender and the scenario
Part of Finance on the Coast
The commercial desk of Finance on the Coast
Commercial Finance Australia is the commercial desk of Finance on the Coast — same brokers, same licence (Model Mortgages Pty Ltd, Australian Credit Licence 387460, ABN 82 108 681 063). Happy to just deal with the team?
Hello! I am your Commercial Finance AI Copilot. I can share general information about childcare going-concern lending, commercial property, chattel mortgages, SMSF lending, or low-doc finance. This is general information only — not credit advice or a quote.
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General information only — not credit advice or a quote. A broker will assess your situation.