Commercial & Development Finance · Sydney
Commercial lending, structured for operators.
Development, commercial property, private lending and business finance — sourced and structured by a broker who came up on the lender side.
What we broker
- Lenders on panel
- 80+
- Experience
- 15+ yrs bank-side
- Capital types
- Bank · Non-bank · Private
- Credit committee
- Both sides
- Years inside major banks
- 15+
- Commercial & private lenders
- 80+
- Of credit committee
- Both sides
Years inside major banks
Commercial & private lenders
Of credit committee
Three ways we put capital to work
One broker across the full commercial spectrum — matched to the lender and structure your deal actually needs.
Site, build & residual stock
Development Finance
Site acquisition, construction, residual stock and subdivision finance. We structure deals that actually settle — not the ones that look good on paper and fall over at credit committee.
Find moreOwner-occupied & investment
Commercial Property Finance
Buying your premises, refinancing an existing facility, or building a commercial investment portfolio. Full-doc, lease-doc, and SMSF structures across more than 80 commercial lenders.
Find moreNon-bank & boutique credit
Private Lending
Non-bank capital from private investors, family offices, and boutique credit funds. For deals that need to settle quickly or sit outside major bank policy — with a clear exit strategy from day one.
Find moreWho we work with
Developers and builders. Business owners buying their premises. Operators acquiring commercial property as an investment. Anyone who has been told “this is too complex” by their bank and wants someone who will actually do the work.
Developers & builders
Funding sites, construction and residual stock.
Business owners
Buying or refinancing their own premises.
Commercial investors
Acquiring commercial property as an investment.
“Too complex” cases
Deals the bank said no to that still stack up.
How a deal runs with us
From conversation to settlement
- 1
Structure
We work the deal up the way the lender will read it — before going to market.
- 2
Stress-test
Feasibility, LVR/LTC, presales and exit tested against each lender's policy.
- 3
Competitive process
A targeted run across the right subset of lenders — not a shotgun submission.
- 4
Settle
We manage credit, valuation and legals through to drawdown.
- 5
Review
Facilities reviewed every six months as the project and market move.
Why brokerage matters more in commercial
Lender-side experience
15+ years inside major Australian banks. We have sat on both sides of credit committee.
Bank-agnostic by design
80+ commercial lenders including major banks, second-tier, non-bank, and private credit. We bring you the right capital, not the easiest deal for us.
Structured for settlement
Most deals fail at credit, not application. We pre-structure your submission so it survives the questions before they are asked.
What our clients say
Let's talk about your deal
A 20-minute call is usually enough to know whether we can help and what it will take.
Book a ChatThe information on this page relates to commercial finance for business purposes and is general in nature. Commercial finance is not regulated under the National Consumer Credit Protection Act 2009. Cumulus Capital Pty Ltd is a credit and finance broker authorised under Australian Credit Licence Number 389328 (held by Connective Credit Services Pty Ltd). Lender terms, fees and charges apply. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.
