Smarter Capital for Serious Property Decisions.
We structure and negotiate commercial loans for investors, developers, and business owners - across multiple lenders and complex scenarios.
Leverage our relationships with 130+ Lenders
Structured Finance. Stronger Outcomes.
We help you access major banks, non-banks, and private lenders.
Commercial & Private Capital
Designed around cash flow, security, and long-term investment objectives.
Strategic Loan Structuring
We manage lenders, valuers, solicitors, and docs to keep transactions moving.
End-to-End Deal Management
Well-packaged applications that anticipate lender requirements and reduce risk.
Higher Approval Certainty
What you can achieve with Forge in <30 Days
Today
Day 5
Day 30
Get started.
✓ Discovery call and objectives clarified
✓ Asset, income, and entity structure reviewed
✓ Initial servicing and leverage assessed
✓ Indicative lender pathways identified
Indicative Terms Secured.
✓ Information memorandum prepared
✓ Scenario tested across suitable lenders
✓ Indicative pricing, structure, and covenants received
✓ Preferred funding strategy agreed
Approval/Settlement Prep.
✓ Formal credit submission lodged
✓ Valuations and due diligence coordinated
✓ Credit approval progressed
✓ Legal documentation and settlement planning commenced
*Timeframes may vary depending on document readiness.
Commercial & Private Capital
We help you access major banks, non-banks, and private lenders.
Structured Finance. Stronger Outcomes.
Strategic Loan Structuring
Designed around cash flow, security, and long-term investment objectives.
End-to-End Deal Management
We manage lenders, valuers, solicitors, and docs to keep transactions moving.
Higher Approval Certainty
Well-packaged applications that anticipate lender requirements and reduce risk.
Today
Get Started.
✓ Discovery call and objectives clarified
✓ Asset, income, and entity structure reviewed
✓ Initial servicing and leverage assessed
✓ Indicative lender pathways identified
Day 5
Indicative Terms Secured.
✓ Information memorandum prepared
✓ Scenario tested across suitable lenders
✓ Indicative pricing, structure, and covenants received
✓ Preferred funding strategy agreed
*Timeframes vary depending on asset type, lender, and transaction complexity.
Day 30
Approval/Settlement Prep.
✓ Formal credit submission lodged
✓ Valuations and due diligence coordinated
✓ Credit approval progressed
✓ Legal documentation and settlement planning commenced
What you can achieve with Forge in <30 Days
What the process actually looks like
We structure the finance, compare lenders, and manage the process through to settlement.
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We start by understanding the asset, ownership structure, income profile, and funding objectives. This allows us to assess feasibility, indicative leverage, and appropriate lender categories.
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We gather and structure the required information, including financials, entity details, and asset documentation, to present a clear and lender-ready funding proposal.
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We engage suitable lenders, test scenarios, and negotiate indicative terms covering pricing, structure, covenants, and conditions - before progressing to a preferred option.
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The preferred lender progresses the application through credit assessment, valuation, and due diligence. We manage lender queries and keep the process moving.
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Once approved, we coordinate documentation, settlement, and post-settlement support, remaining available as your asset, business, or strategy evolves.
Don’t just take our word for it. Hear from clients who secured the right loan, navigated the process with confidence, and achieved their property goals with Forge Financial.
Trusted by Hundreds of Investors
Answers to some of our most frequently asked questions.
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Borrowing capacity for commercial property depends on factors such as the property type, rental income, business financials, and your overall financial position. Many lenders assess loans based on the property’s income and loan-to-value ratio rather than just personal income.
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Most lenders require a deposit of 20–30% of the property value for commercial loans. The exact amount depends on the type of property, the strength of the borrower, and the lender’s policy.
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Commercial loans can be used to purchase a range of properties including office buildings, retail spaces, warehouses, industrial properties, and mixed-use developments. Some lenders also finance specialised properties depending on the risk profile.
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Commercial loans are generally assessed based on property income, business performance, and risk profile, whereas residential loans focus more heavily on personal income and living expenses. Commercial lending also tends to have more flexible structures but stricter deposit requirements.
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Yes. Many commercial property purchases are structured through companies or trusts for asset protection and tax planning purposes. The appropriate structure will depend on your circumstances and professional advice.
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Yes. Lenders generally consider the rental income generated by the property when assessing a commercial loan. The strength of the tenant, lease terms, and property type can influence how much income is recognised.
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Commercial loan approvals can take anywhere from a few days to several weeks, depending on the lender, the complexity of the deal, and the documentation required.
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Common documents include identification, financial statements, business financials (if applicable), tax returns, property details, and lease agreements if the property is tenanted.
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Commercial loan terms typically range from 5 to 30 years, although lenders may apply review periods during the loan term. The structure will depend on the lender, property type, and borrower profile.
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A commercial finance broker can access a wide range of lenders including major banks, non-bank lenders, and private capital providers. We help structure the loan, compare options, and manage the process through to settlement.
No Pressure. Just Clarity.
There’s no obligation to proceed, no sales tactics, and no rushed decisions.
Just clear advice so you can move forward with confidence.
We’ll review your details and contact you within 1 business day to book a short, no-obligation call.