Mortgage brokers in Norwest, helping the Hills District and Sydney
Business acquisition finance, Sydney
Buying a cafe, a service station, a motel or a franchise? Sumit works out what lenders will want to see, how to structure the deal and which lender will say yes, before you sign.
5.0 from 360+ Google reviews
Updated November 2026
5.0From 360+ Google reviews Read themSome of the banks and lenders we compare for you
Business acquisition finance, updated November 2026
Quick answer
A business acquisition loan is finance to buy an established business. The lender checks the business's trading history and profit, your experience and the security on offer, then lends part of the price. You put in the rest from savings or property equity, and the loan is repaid from the business's profit. Goodwill, equipment and any freehold property are often financed in different ways.
Buying a business is a different loan to buying a home. A home loan leans on your salary. A business purchase leans on the business: will its profit cover the new repayments, and what can the lender fall back on if it does not? That is why the same deal can be declined by one lender and approved by another.
Sumit has arranged finance for buyers of franchises, a petrol station and motels, and he works with 50+ lenders, from the major banks to specialist business lenders. If you need a general business loan for a business you already own, that is a separate page. This one is about buying.
50+
Lenders compared, banks to specialists
13+
Years arranging home and business finance
2,500+
Clients helped across Sydney
From a client who bought a business, on Google
Varinder Verma
4 years ago on Google
RyRo team is very professional and always helpful. When I bought a business recently, I reached out to them for finance and entire process was made very smooth for me. They always respond very quickly and efficiently. I highly recommend them for commercial lending.
Franchise and business purchases
Sumit has arranged finance for buyers of the franchises below, along with a petrol station, motels and commercial property. They are examples, not a limit: we can look at finance for any established business or franchise.
Subway
Food franchise
Gelatissimo
Food franchise
Soul Origin
Food franchise
Oporto
Food franchise
Ultra Tune
Automotive franchise
Ozzy Tyres
Tyres and automotive
BTOWN Tyres
Tyres and automotive
Finance arranged for the purchase of an operating petrol station.
Finance arranged for buyers of motel businesses.
Finance arranged for commercial property purchases.
Funding arranged for property development projects.
Free, no obligation.
Logos and brand names are trademarks of their respective owners and are shown only to identify businesses whose purchase RyRo Loan Centre has arranged finance for. Their display does not imply any endorsement of, or affiliation with, RyRo Loan Centre.
What you can buy
Any established business with a trading history. Not on the list? Ask Sumit.
These are the kinds of businesses buyers bring to us most. Lenders treat each industry differently, so part of the job is knowing which ones like yours.
Cafes, restaurants, takeaway and catering businesses, with the fit-out and kitchen equipment that come with them.
Food, automotive, retail and service franchises. Franchise finance covers the extra steps.
Petrol stations and convenience sites, with or without the freehold, stock and fuel equipment.
Motels, guest houses and accommodation businesses, including leasehold and freehold going concerns.
Plumbing, electrical, cleaning, mechanical and other service businesses with a client base and vehicles.
Shops, specialty retail and online stores with a trading history, stock and a lease.
GP, dental, physio and other allied health practices, or buying into a partnership.
Manufacturers, distributors and wholesalers with plant, stock and established customers.
Any industry, any established business.
Eligibility
Every lender asks the same two questions: can the business carry the loan, and what happens if it cannot? These are the six things they weigh up to answer them.
Tax returns, profit and loss, balance sheets and BAS, to show steady profit that covers the new repayments.
Lenders want to see the profit the business has made, not what the listing says it could make. The seller's accountant usually supplies the financials. business.gov.au suggests buyers review three to five years of records before they buy, which is good practice whatever the lender asks for.
Have you run a business, managed staff or worked in this industry? Lenders weigh who will be running it.
No experience in the industry is not always a deal breaker. A franchise system with training, a handover period from the seller or an experienced manager who is staying on can all help the lender feel comfortable.
Cash, savings or equity you put in. How much depends on the lender, the business and the security.
There is no single deposit rule for buying a business. A business with strong profit and plenty of assets usually needs less of your own money than one priced mostly on goodwill. Property security can reduce the cash you need. We work out your contribution with you before you make an offer.
How much of the price is equipment, stock and property, and how much is goodwill the lender cannot resell.
Goodwill is the value of the name, customers and location above the physical assets. Some lenders will fund part of it for a profitable business, others want it covered by your own funds or property. Equipment can often be financed separately, which takes pressure off the main loan.
Business assets, a registered charge, a personal guarantee, and often residential or commercial property.
Property security, such as equity in your home or an investment property, widens the lender choice and usually improves the terms. It also puts that property at risk, so talk it through with your accountant and solicitor. See how usable home equity is worked out.
Will the landlord transfer the lease? Are the licences current? Is the contract subject to finance?
A short or untransferable lease can stop a deal. Lenders also check that licences and permits carry over and that the contract of sale clearly lists what you are buying. business.gov.au lists the lease, licences, supplier agreements and debts on the Personal Property Securities Register as checks every buyer should make.
Before you make an offer
Send us the listing or the information memorandum. Sumit will tell you what lenders will ask for, how much you may need to put in and how to make your offer subject to finance.
5.0 from 360+ Google reviewsBelinda White
2 years ago on Google
Sumit is an outstanding mortgage broker. He patiently worked through our application and got us an awesome result when many other brokers wouldn't assist as we are small business owners. Thank you!
Structures
Most purchases use more than one piece of finance. The right mix depends on what you are buying, what you own and what the seller will agree to.
A term loan to the buyer, secured over the business assets and often property, repaid from the business's profit.
The core of most deals. Banks and specialist business lenders offer it, each with its own view on goodwill, industry and loan size. A personal guarantee from the directors is normal. If the purchase includes the freehold, a commercial property loan may sit beside it.
Release equity from your home or an investment property to fund the deposit, or offer it as security.
Often the simplest way to fund your contribution, and it can open up lenders and terms that are not available on business security alone. Your property is on the line, so get advice first. Our home equity page explains usable equity.
The seller agrees to take part of the price later, in instalments, so you need less from a lender up front.
It shows the lender the seller backs the business, and it eases the deposit. The terms are agreed between you and the seller and written into the contract by your solicitor. Your main lender needs to know about it before approval.
Vehicles, kitchen gear and machinery financed on their own, through RyRo Asset Finance, so the main loan is smaller.
A chattel mortgage, lease or hire purchase on the equipment that comes with the business, or that you add after settlement. Rohan Joshi at RyRo Asset Finance handles it. See asset finance.
RyRo Asset Finance Pty. Ltd., (ABN 69 682 063 896) an Authorised Credit Representative (ACR #565295) of Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence # 511803.
| What changes | Business loan | Home equity | Vendor finance | Equipment finance |
|---|---|---|---|---|
| Who provides it | Bank or business lender | Home loan lender | The seller | Asset finance lender |
| Main security | Business assets, guarantee, often property | Your property | Set in the contract | The equipment itself |
| Covers goodwill | Sometimes, in part | Yes, as your contribution | Yes | No |
| Best for | The core of the deal | Deposit or extra security | Bridging a funding gap | Vehicles and machinery |
General comparison only. Each lender sets its own security, limits and pricing. Equipment finance is arranged by RyRo Asset Finance.
Equipment finance: Ask Rohan about the equipment
How it works
Six steps from the first call to the keys. Your accountant and solicitor do the due diligence and the contract; we line up the finance around their work.
Step 1
The business, the asking price, what you own and what you can put in. We tell you what lenders will want and roughly how the deal could be structured.
Step 2
We shortlist lenders from our panel of 50+ whose appetite fits the industry, goodwill and security, and seek an early indication where a lender offers one.
Step 3
Your solicitor makes the contract subject to finance, due diligence and the lease transfer, with enough days to finish each one.
Step 4
Financial records, BAS, the lease, licences, supplier contracts, stock and any debts registered on the PPSR, as business.gov.au recommends. Their findings feed the application.
Step 5
We package the business financials, your documents and the contract into a lender-ready file, then manage valuations and conditions until formal approval.
Step 6
Kathryn tracks the settlement paperwork with your solicitor and the lender, so funds are ready on the day you take over.
Due diligence checklist source: business.gov.au, buy an existing business (checked November 2026).
Sumit reads your details and calls you back.
Franchise purchases
A franchise is still a business purchase, with extra steps: the franchisor approves you, the franchise agreement and fit-out costs come into it, and some lenders know certain franchise systems well. Our franchise finance page covers new and existing franchises in detail.
Franchises our clients have bought with RyRo finance. Examples only, not a limit.
Situations we solve
The deals we see most often from business buyers, and what we do about each.
You have been an employee and want to buy a business of your own, and you are not sure how lenders will see you.
We look at the experience you do have, whether a handover or manager helps, and lenders that suit first-time owners. A franchise system can make the case easier.
You want to use your home to fund the deposit or as security, without taking on more risk than you need.
We compare a top up on your home loan with offering the home as security for the business loan, and show you how each affects your repayments and risk.
A service business with few physical assets, so the lender has little to lend against.
We look for lenders that will fund part of the goodwill on a profitable business, and test whether property security or vendor finance closes the gap.
You already run the business and want to buy your partner or a shareholder out.
Your track record in the business counts. We structure the loan around the business profit and the security you hold, with your accountant on the ownership side.
A motel, service station or shop where the building comes with the business.
The property and the business are often financed separately. See commercial property loans for the building side.
Your bank declined the deal or offered less than you need, and the contract date is coming.
A decline from one lender is not the end. We find out why, fix what can be fixed and take the file to lenders with a different appetite. Some consider past credit issues.
Real client scenario
Not a business purchase, but it shows how we handle business owners: home, investment and business lending sorted together, with one broker. Client details are kept private, the numbers are real.
Free, no obligation.
A self-employed couple had an owner-occupied loan of $935K and an investment loan of $665K with a non-bank lender.
Once their tax returns were finalised and showed enough income, refinanced both loans to a major bank on full doc pricing.
+3 more in the full story
Much lower rates across $1.6M of home and investment lending.
+2 more in the full story
The situation
A self-employed couple had an owner-occupied loan of $935K and an investment loan of $665K with a non-bank lender. Another broker had set them up on low doc loans because their tax returns were not ready at the time, so both loans were on high rates.
What we did
The result
The interest only change was made on the advice of the clients and their accountant. RyRo does not give tax advice. Speak to your accountant about negative gearing.
Google reviews
Rated 5.0 out of 5 from 360+ Google reviews. These clients came to us for business and commercial finance. Quoted word for word. Read all 360+ Google reviews.
5.0
From 360+ Google reviews
Kirill Charonov
4 years ago on Google
Had a great experience with this excellent mortgage broker, very professional service. RyRo was able to tailor a business loan suitable to my situation and negotiate with the lender on excellent terms and interest rates. Would highly recommend.
Info Nue Design Homes
a year ago on Google
Our experience with Sumit and his team was wonderful. They guided us from start to finish in a professional and unbiased manner. They are a team of highly qualified well experienced professionals who can be relied upon for your personal and commercial loan needs. We strongly recommend them for your financial requirements and wish them all the very best.
Raj Parasher
3 years ago on Google
We had a wonderful experience with Ryro Loan Centre, Sumit is very professional, knowledgable and resourceful. The whole process was very smooth, we highly recommend using Sumit for your home or business loan requirements. All the best!
Aisha Khan08
a year ago on Google
Finding the right broker is so important. Sumit Joshi is exceptional in terms of his knowledge about the industry. He was referred to us by a family friend who quoted “he is the best in the business and if he cannot get a loan approved, then nobody else can”. He lived up to the expectations. We were able to secure the property at right time, due to his services. Thank you Sumit for all your hard-work. Will 100% recommend him to anyone looking for a reliable and efficient broker for loan approvals.
Free tools
Rough numbers before you talk to anyone. None of them asks for your details to show a result.
Finance for new and existing franchises, including fit-out and franchisor approval.
Learn moreWorking capital, growth and term loans for a business you already own.
Learn moreWhen the purchase includes the building, or you want to buy your premises.
Learn moreSee every option on the business finance hub, book a free strategy call, or contact our Norwest office. We are based at the Norwest business park and help buyers right across Sydney.
Free business purchase review
We generally respond within an hour. Prefer to pick a time? Book your strategy call online or contact us.
Sumit Joshi JP
Principal broker, Credit Rep 446824
More videos from Sumit
“RyRo team is very professional and always helpful. When I bought a business recently, I reached out to them for finance and entire process was made very smooth for me. They always respond very quickly and efficiently. I highly recommend them for commercial lending.”
Sumit Joshi JP, Credit Rep 446824. AFG Award Winner 2013 to 2019 and AFG Excellence Awards finalist 2022 to 2026. General information only. Lender policies, pricing and fees change and depend on your circumstances. Speak to your accountant and solicitor before you buy.
