Impact Brokers
Commercial Lending With Clarity, Strategy and Impact
Finance that supports your big moves without compromising your values
At Impact Brokers, we specialise in helping values-led businesses, investors and professionals access smart, ethical commercial finance. Whether you’re purchasing a premises, developing a site, refinancing existing loans or acquiring a new asset, we’ll help you structure a funding solution that aligns with your goals, values, current tax position and future plans.
We partner with over 70 trusted lenders including non-bank, private and impact-aligned funders to deliver commercial lending that supports both your profit and your purpos
What We Can Help With
Commercial Property Loans
Buy your office, warehouse, retail space, or mixed-use property.Development Finance
From duplex projects to full site developments, we can help structure senior debt, mezzanine and private funding.Refinance & Equity Release
Improve terms or unlock capital for reinvestment into your business or next project.SMSF Property Loans
Secure funding for commercial property held within a self-managed super fund.Specialist Lending Scenarios
NDIS housing, co-living developments, community spaces, educational premises and more.
Why Impact Brokers?
Strategic Structuring
We go beyond “rate shopping” to design a funding strategy that takes your tax position, legal structure, values and future plans into account.
Access to Ethical and Specialist Lenders
We connect you to banks, non-banks and private lenders who understand social enterprises, unconventional structures, and complex deals and who care about impact, not just risk scores.
Transparent, Responsible Advice
We don’t hide fees or promote unsuitable products. You’ll receive clear advice, fixed quotes, and guidance that prioritises long-term sustainability.
Project-Based or Long-Term Support
We’re not here just for the loan. We stay alongside you advising on staging, equity release, refinancing or diversification strategies when you need it. We even offer finance coaching if you want that extra boost.
Who We Support
Purpose-led business owners
Ethical investors and developers
Community organisations and social enterprises
Medical, health and education providers
Clients with unconventional income, structures or projects
Anyone seeking to align their finance with their impact goals
Our Process
1. Deep Discovery
We get clear on your project, structure, goals and timing.
2. Due Diligence & Strategy
We assess your financial position, recommend a commercial lending strategy and prepare your submission for success.
3. Application & Negotiation
We handle the heavy lifting - from engaging lenders to structuring terms, coordinating valuations and managing timelines.
4. Approval, Settlement, Beyond
We support you through settlement and beyond with reviews, next-phase funding, or future planning support.
Meet Yasmine
Yasmine Shah is a licensed finance broker with over 20 years’ experience in Credit Risk, fintech and executive leadership. She founded and successfully exited the Women’s Commercial Finance Forum, has mentored and coached hundreds of business owners across Australia.
She collaborates with accountants and advisers to help clients move from financial stress to financial strength – always with transparency, heart, and strategy.
What Clients Say
“Yasmine has been a fundamental part of our financial business growth over the past 12 months. We have been fortunate enough to have Yasmine provide us with her wealth of financial knowledge. Since working with Yasmine, we have been able to improve our cash flow, and we now have options to reduce our overhead payments too. Yasmine has helped us to feel more confident in making financial decisions and has taken the time to explain the best options thoroughly and to reduce any overwhelm or angst when making these decisions. Not only is Yasmine a wonderful broker, but she is also a very caring and thoughtful person. She is very easy to talk to, and she really makes it a priority to understand how she can assist in the best way possible. I would highly recommend Yasmine as an ethical impact broker for your business requirements.”
Business Owner, Building Services Industry | Victoria
Testimonials reflect the experience of individual clients. Results vary and are not a guarantee of any outcome.
Commercial Property Finance FAQs
Commercial lending is generally written at lower loan to value ratios than residential, so the deposit requirement is higher. The exact level depends on the property type, its location, the strength of the lease, and whether you are buying to occupy or to invest. Specialised assets and properties in smaller markets attract more conservative treatment than standard retail, office or industrial stock. Additional security elsewhere can sometimes reduce the cash required at settlement.
Lenders look at the property’s income and at your capacity to support the debt if that income stops. That means examining the lease, the tenant’s covenant, the remaining term and any options, alongside your business or investment income. Owner occupied purchases are treated differently to investment purchases, because in an owner occupied transaction the business trading from the property is effectively the tenant, and its performance becomes central to the assessment.
Yes, and the structure you choose affects both the lending and the tax position. Some lenders are comfortable with trusts and non trading companies, while others apply tighter criteria or require guarantees from every beneficiary. Where a structure has been declined elsewhere, the issue is often lender selection rather than the structure itself. Your accountant should confirm the tax and asset protection position before you commit, and we will confirm the lending position alongside them.
Commercial property loans typically run over shorter terms than residential lending, and many are subject to periodic review. Interest can be structured as fixed, variable or a combination, and facilities often carry covenants covering matters such as loan to value ratios, interest cover, and the provision of annual financials. The covenants matter as much as the rate, because they determine what happens if trading conditions change. We work through them with you before settlement rather than after.
Yes, subject to a current valuation and the purpose of the funds. Releasing equity from a commercial property is common for funding growth, consolidating higher cost debt, or contributing equity to a new project. Lenders will want to understand where the money is going, and a clearly articulated purpose supported by numbers is generally received better than a general cash out request. Discuss refinancing
Whether you’re growing your footprint, diversifying your portfolio, or building your legacy, we’ll help you access finance that fits and lasts.