Tell us the scenario
Share the deal, the amount, the timing, and what is making it difficult.
Commercial finance broker
Commercial finance when the bank does not fit.
We help business owners, property investors, developers and referrers find bank, non-bank and private lender options for complex commercial finance scenarios.
Get AI Matched is best for complex scenarios where lender fit is unclear. Need a quick self-serve screen first? Check Eligibility
Common situations
We help if...
Start with the situation that sounds closest to the deal.
The bank declined your deal
See what usually blocks the deal and what to do next.
You need urgent funding
Start with the routes that move when timing is tight.
You do not have full financials
Review the commercial options when tax returns are not ready.
You have ATO debt
See how lenders usually treat tax debt in a live scenario.
You are buying a business
Go straight to the business acquisition finance path.
You want to release equity from commercial property
See how equity release is used for growth, refinance, and pressure points.
You need property development finance
Review the path for site acquisition, construction, and exit funding.
You need private or non-bank lending
Start with the options used when a mainstream bank does not fit.
Finance types
What we help with
Choose the finance type that best matches the job.
Commercial property finance
Purchase, refinance, and property-backed funding for business and investment property.
Property development finance
Funding for site acquisition, construction drawdowns, and project completion.
Business acquisition finance
Debt structures for buying a business, partner buy-outs, and growth transactions.
Private lending
Asset-backed private and specialist lending when speed or complexity matters.
Low-doc commercial loans
Commercial funding paths for self-employed borrowers without a full document pack.
Commercial refinance / equity release
Refinance and equity access for property-backed scenarios that need a cleaner structure.
Choose your path
Choose your path
Choose the route that fits what you know now.
I know what I need
Go straight to the loan type that matches the deal.
I have a finance problem
Start with the blocker that is making the deal hard.
I want a quick first-pass check
Start with the eligibility checker when you want a quick self-serve first pass.
I need urgent help
Call us when timing is live and the deal needs attention now.
How it works
Simple first pass. Broker-reviewed next step.
Tell us the scenario, let AI organise the first pass, then move into broker review before a real lender path is taken forward.
AI organises the first pass
AI-supported lender matching helps sort the facts and surface the likely lender pathways faster.
We compare lender pathways
We work out whether the first serious route looks more like bank, non-bank, or private lending.
A broker reviews the funding strategy
A broker checks the structure before anything is treated as a real funding path.
Why Balmoral
Built for the deals that need more than a standard bank process.
We keep the guidance direct, compare more than one lender lane, and focus on the next move that actually fits.
Built for non-standard deals
Useful when urgency, incomplete financials, ATO debt, layered entities, or unusual security make the obvious bank path unreliable.
Bank, non-bank and private lender options
We compare more than one lender lane instead of forcing the deal into the first obvious channel.
Straight guidance
The goal is to make the next move clearer quickly, without padding the page with finance jargon.
Commercial finance support across Australia
We support business owners, investors, developers, and referrers across Australia.
Case Studies
Proof from real scenarios.
See how similar finance problems were structured and moved.
Funding a Supermarket Development on a Multi-Tenant Site – SW Sydney
A redevelopment site with solid fundamentals needed more leverage and more commercial judgement than a bank was willing to offer.
Read Case StudySecond Mortgage for Vineyard Expansion – Mornington Peninsula, VIC
A premium vineyard needed working capital and a second mortgage structure while full financials were still being finalised.
Read Case StudyUrgent Low-Doc Funding to Prevent ATO Wind-Up – WA Recycling Business
A business owner under pressure needed low-doc funding fast enough to change the legal outcome and preserve the business.
Read Case StudyBusiness Acquisition Central Coast
A strategic acquisition required a tailored capital stack, fast movement, and lender confidence beyond the normal checklist.
Read Case StudyFAQ
Questions borrowers ask before they start
What types of commercial finance can Balmoral help with?
We help with commercial property finance, development funding, business acquisition finance, private lending, refinance, equity release, and low-doc scenarios.
Do you only help with bank-ready deals?
No. We regularly work on scenarios involving urgency, missing financials, ATO debt, complex structures, or lender issues.
Do you work across Australia?
Yes. We support borrowers, investors, developers, and referrers across Australia.
What should I do first?
Start with the path that matches your situation: loan types if you know the product, problem pages if something is blocking the deal, or AI matching if you want a quick first pass.
Can Balmoral compare bank, non-bank, and private lender pathways?
Yes. The first pass is designed to clarify whether the strongest path looks more like a bank, non-bank, or private lending conversation.