Commercial finance for operators who need a lender that understands the asset.
Childcare centres, equipment and asset finance, commercial property and business lending are assessed on completely different criteria to a home loan — occupancy, leases, going-concern value, asset type and operator experience. We've structured this kind of finance since 2004, and we know which lenders are genuinely comfortable with it.
Two specialisms most brokers won't touch
Plenty of brokers will "have a go" at commercial. We do it deliberately — and childcare and equipment finance are where we add the most value.
Buying, building or refinancing a childcare centre
Childcare finance is its own discipline. Lenders weigh occupancy, the lease, operator experience, location, and whether you're buying freehold, the business (going-concern), or both. The right funder and structure can be the difference between an approval and a flat no.
What lenders assess on a childcare deal
- Freehold-with-going-concern vs leasehold business purchase
- Occupancy levels and waitlist demand
- Lease terms, length and the landlord
- Operator and management experience
- Location, licensed places and catchment
- Specialised vs standard commercial security
Equipment & asset finance structures
- Chattel mortgage — own the asset, finance the cost
- Finance lease & rental / operating lease
- Low-doc asset finance for established businesses
- Vehicles, plant, medical & fit-out equipment
- New and used assets, private sale or dealer
- Structured with your accountant for tax treatment
Fund the equipment without tying up your cash
Whether it's clinic equipment, plant, vehicles or a fit-out, the right facility keeps your working capital free and matches the repayment to the asset's life. Which structure suits — chattel mortgage, lease or rental — depends on your tax position and how you use the asset. We line up the funder and the structure together.
The rest of the commercial picture
Owner-occupied or investment commercial property — offices, retail, industrial and specialised security, structured for the right LVR and term.
Acquisition finance, working capital, and debt restructures — presented to lenders who understand your sector.
For our medical clients buying their own premises — coordinated with their home and investment lending.
More complex structures where you need a broker who has genuinely done them before.
Commercial lending is relationship and structure, not a rate table
Residential lending is largely policy. Commercial is negotiated — and the broker's read on each lender's current appetite, the way the deal is packaged, and the structure chosen all move the outcome. That's exactly the work we do.
A commercial application is a case you argue, not a form you submit. We present yours to anticipate the credit team's questions before they ask.
Appetite for childcare, hospitality and specialised assets shifts. We keep a live read on who's genuinely open.
Our brokers came from commercial banking — so we understand how the decision is actually made on the other side of the desk.
You deal directly with your broker from first conversation to settlement, and for the long term after.
Common questions
Can you finance a childcare centre purchase?
Yes — it's one of our specialisms. We arrange finance for freehold-with-going-concern, leasehold business purchases, and centre developments. Because lenders assess occupancy, lease, location and operator experience so differently, matching the deal to the right funder is critical — and that's where we add value.
What's the difference between a chattel mortgage and a lease?
With a chattel mortgage you own the asset and finance its cost, which can suit certain tax positions. A finance or operating lease means the financier owns the asset and you pay to use it. The best structure depends on how you use the asset and your accountant's advice — we set it up to work with both.
How much deposit or equity do I need for commercial?
It varies widely by asset type, security and lender — commercial typically requires more equity than residential, and specialised assets like childcare differ again. We give you a realistic picture for your specific deal up front rather than a generic number.
Do you do low-doc or established-business asset finance?
Yes. For established businesses, streamlined and low-doc asset finance is often available up to certain limits without full financials. We'll tell you whether you qualify and which funder is sharpest for your asset.
I'm a doctor buying my rooms and equipment. Can you do it all?
Absolutely — this is a common scenario for us. We coordinate the commercial property, equipment finance and your personal lending so the whole structure works together rather than in silos.
Tell us about the deal. We'll tell you who'll fund it.
A no-obligation conversation about your childcare, equipment or commercial finance need — and an honest read on what's achievable and with whom.