A commercial finance broker assesses a borrower’s funding requirements, helps structure the proposed facility, identifies suitable lenders and manages the application, negotiation and settlement process.

A specialist broker can be particularly valuable where a transaction involves commercial property, development, multiple securities, non-standard income, private credit or a tight settlement timeframe.

CapStack can assist with finance for a broad range of property types, including industrial, office, retail, medical, childcare, hospitality, mixed-use property, development sites, land subdivisions and specialised commercial assets.

The available lenders and terms will depend on the property, location, borrower, lease profile, valuation, loan purpose and proposed leverage.

Yes. CapStack works across bank, non-bank and private credit markets.

Private or specialist finance may be considered where a transaction requires greater speed, flexibility, leverage or structural complexity than a traditional bank can provide.

The timeframe depends on the complexity of the transaction, lender type, valuation requirements and whether all required information is available.

Some bridging and private credit transactions can be completed relatively quickly, while bank and development finance facilities generally involve more extensive assessment and due diligence.

The initial information generally includes the required loan amount, loan purpose, property or security details, purchase price or valuation, existing debt, borrower background, financial information and proposed exit strategy.

Development transactions will ordinarily require additional information such as planning documents, construction costs, feasibility, presales, builder details and project experience.

The applicable remuneration structure depends on the facility and lender. Any brokerage fees, mandate fees, lender-paid commissions or other applicable remuneration will be disclosed before the client proceeds.

CapStack provides commercial finance broking and credit assistance within its authorised activities. Clients should obtain independent legal, accounting, taxation and financial advice relevant to their circumstances.

When you approach a bank directly, that bank can only offer finance from its own range of products and apply its own credit policies. Even if it provides its best available option, that option may not be the most competitive or appropriate solution available across the wider lending market.

A commercial finance broker can assess options from multiple banks, non-bank lenders, private credit funds and specialist financiers. This allows the borrower to compare different loan structures, leverage levels, pricing, terms, security requirements and approval criteria.

CapStack also helps structure and present the transaction to the lenders best suited to the borrower, asset and finance requirement. This can save time, improve negotiating leverage and provide greater confidence that the proposed facility has been considered against a broader range of market options.