SPECIALIST COMMERCIAL FINANCE BROKER | AUSTRALIA
Commercial Finance for Australian Businesses
Working capital, equipment finance, commercial property and development funding.
We help business owners and property investors structure commercial finance that makes sense, including the more complex deals that don’t fit neatly inside a bank’s lending criteria.
Complex Finance Needs Experience, Not Just a Lender List
Commercial lending isn’t about sending the same application to five lenders and hoping one says yes.
It’s about understanding the business, the numbers, the security, the purpose of the funding and how a credit team is likely to assess the deal before it gets there.
That’s where Impact Brokers is different.
We work with business owners, investors and developers to structure commercial finance properly from the beginning, then find the lender whose credit appetite fits the transaction.
Commercial Finance, Led by Experience
Yasmine Shah | Commercial Finance Broker
Yasmine has spent 20 years in financial services, beginning at GE Capital before moving to NAB and CBA, then holding senior leadership roles across several fintech businesses before founding Impact Brokers. She has worked on both sides of the credit process: as a banker assessing and approving transactions, and as a broker structuring and presenting them.
That experience shapes the way every deal is put together: understanding how a credit team will read the transaction before it ever reaches them, and structuring it accordingly.
Yasmine is an Authorised Credit Representative (No. 540047) under QED Credit Services Pty Ltd (ACL 387856).
Who We Help
We specialise in commercial and business finance for owners, developers and not‑for‑profits and the accountants and advisers who refer their most complex files to us. From cash flow and equipment to commercial property, development and business restructures, we take on the deals that need strategy, not just a rate. If you’re scaling, restructuring, or have been told no elsewhere, you’re in the right place.
What We Offer
We structure commercial finance around your strategy and cash flow, not just your numbers. Subject to lender approval and eligibility.
- Working Capital and Cash Flow Finance
- Asset and Equipment Finance
- Commercial Property and Property Development
- Ethical Lending for Purpose-Driven Organisations
Commercial Finance Services
Working Capital & Business Finance
Overdrafts, invoice finance, trade facilities and cashflow lending that keep the business moving, structured around how your business actually trades, not a template.
Equipment & Asset Finance
Finance for vehicles, machinery and specialised equipment, matched to the working life of the asset and the cashflow it generates.
Commercial Property Finance
Lending for owner-occupied and investment commercial property, from straightforward purchases through to transactions that need careful structuring before a lender says yes.
Property Development Finance
Funding for site acquisition, construction and residual stock across residential and commercial projects, presented the way development credit teams need to see it.
Refinancing & Restructuring
When existing facilities no longer fit the business, or the pressure is building, we restructure debt and move you to lending that supports where you’re headed.
Private & Non-Bank Lending
When bank credit appetite doesn’t fit the transaction, credible private and non-bank lenders can. We help you weigh the cost, the terms and the exit before you commit.
Why Businesses Choose Us
Strategy First
Transparency Always
Values-Aligned Lender Panel
Long-Term Support
Deals Others Decline
Tailored Expertise
Our Lender Approach
We work with a carefully selected panel of lenders who publicly commit to ethical, responsible, and sustainable lending practices. While we maintain strong relationships with multiple lenders to serve your best interests, we do not have access to every lender or product in the Australian market.
If your needs would be better served by a product or lender outside our panel, we will inform you and may refer you to another broker who can assist. We regularly review our panel to ensure it allows us to deliver on our commitment to clients.
Our Commitment to You
Commercial finance sits outside the consumer credit protections that apply to home and personal lending. We hold ourselves to the same standard regardless, because it is how we want to work.
- We put your interests ahead of our own commercial position
- We take the time to understand your business, your numbers and the goal behind the transaction before we recommend anything
- We present options with the cost, the terms and the exit clearly explained
- We disclose the commissions and referral fees we receive
- We tell you when we are not the right fit and point you elsewhere
How We Work Together
1. Discovery
We get to know your business, your numbers and the real goal behind the deal, including the detail other brokers skip.
2. Strategy
We structure the deal credit-first and take it to the lenders most likely to fund it, so it's positioned to be approved, not just submitted.
3. Funding & Support
We drive the approval and settlement through to the finish, then stay in your corner for the next move.
Client Case Studies
When the answer everywhere else was no
Real files, anonymised. The kind of commercial finance that takes strategy, not just a rate.
When Every Door Slammed Shut, We Found Another Way In
A Director Penalty Notice, $130K+ in ATO debt, probate complications and arrears every lender had refused. How a $150K facility and the right team turned it around.
Read the story → Commercial · Business RestructureFive Months in Arrears, $300,000 in Debt, Running Out of Time
A civil construction business, technically insolvent with equipment repossessed. Two months, six parties, and a lender who chose compassion. Now running four crews across multiple states.
Read the story → Financial Complexity · SMSFOver 1,000 Pages. Eight Entities. Two SMSFs. One Clean Result.
A client with eight entities, two SMSFs and more than 1,000 pages of financials. How we read the whole structure, told the story the lenders needed, and delivered one clean approval.
Read the story →See Our Latest Blogs
Commercial Finance FAQs
There is no single formula. Business borrowing capacity comes down to serviceability, which is the cashflow available to support repayments, the security on offer, and how the transaction is structured. Two lenders looking at the same set of financials can land on very different numbers, because they read add-backs, director drawings and depreciation differently. We model capacity across several lenders before recommending an approach, rather than accepting one bank’s calculator as the answer.
Often, yes. A decline reflects one lender’s credit appetite on one day, and it is not a verdict on the business. Changing the security mix, restructuring the facility, or presenting the transaction to a lender whose appetite actually fits it can produce a different result. What usually makes the difference is how the file is put together and the story the numbers are telling. No outcome can be promised, and some transactions genuinely do not stack up, in which case we will say so.
Banks generally offer the lowest cost with the strictest criteria and the longest assessment times. Non-bank and private lenders take a more flexible view of credit and can move faster, and they price for that flexibility. The right answer depends on the transaction, the timeframe and the exit. Non-bank funding is often a bridge to somewhere, so we will always talk through how you get out of it before you go into it. Private and non-bank lending
Timeframes vary widely by transaction type. Straightforward asset finance can move quickly, while commercial property and development transactions run considerably longer because of valuations, quantity surveyor reports and credit committee cycles. The three variables that drive the timeline are how complete your information is at the outset, valuation turnaround, and the lender’s current workload. Preparation is the only one of those you control, and it is usually the fastest lever available.
A commercial finance broker works out how a transaction should be structured, then takes it to the lender most likely to fund it in that form. The work sits in the preparation, which means reading the financials the way a credit analyst will, identifying the risks before the lender does, and presenting the mitigants alongside them. Sending the same application to five lenders and hoping is not broking. How we work
We work with established business owners, property investors, developers, and not for profit and purpose driven organisations, along with the accountants and advisers who refer their more complex files to us. The common thread is complexity rather than industry. Transactions that need structuring, restructuring, or a considered argument put to credit are where we do our best work. Client case studies
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. All finance is subject to lender approval, eligibility criteria, terms and conditions. Fees and charges apply. We may receive commission from lenders and referral partners in connection with facilities we arrange or refer. Nothing on this page constitutes financial, tax or legal advice, and we recommend obtaining independent advice before making any decision.
Disclaimer
Eligibility criteria, terms and conditions apply. All loans are subject to lender approval and credit assessment. Rates and offers vary by lender and may change without notice.
The information on this site is general and does not take into account your personal circumstances. We recommend seeking independent financial, tax or legal advice before acting on any information provided.
We Speak Fluent Spreadsheets and Human
If you are ready for finance that makes sense, feels good and creates real-world outcomes without the complex jargon, we would love to walk the journey with you.