Mortgage brokers in Norwest, helping the Hills District and Sydney
Commercial construction loan broker, Sydney
Building a warehouse, factory, office, medical centre or childcare centre? We match your build to a lender that funds it in stages and keeps your builder paid on time.
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
Commercial construction finance, updated November 2026
Quick answer
A commercial construction loan pays for the build of commercial premises you will own when they are finished: a warehouse, factory, office, shop, medical centre or childcare centre. The lender pays your builder in stages as the work is done, and the loan moves onto a commercial property loan at completion.
This page is for two kinds of builder: business owners building premises to trade from, and investors building premises to lease to a tenant. Either way you keep the building, so the lender looks at your business or the lease as much as the bricks.
Building to sell, such as units, townhouses or a subdivision? That is development finance for build-to-sell projects. Building one home or a knockdown rebuild? See our residential construction loans.
50+
Bank, non-bank and private lenders on our panel
13+
Years arranging home and commercial finance
2,500+
Australians who have trusted RyRo Loan Centre
On a business loan, on Google
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.
What you can build
From a single warehouse in the Hills District to a medical centre in Western Sydney. Each type of building has its own lenders, and we know which ones are lending on which. Working right across the city, our Sydney mortgage broker team handles home and commercial lending under one roof.
Storage, distribution and showroom warehouses, on your own land or a newly bought site.
Lenders like simple, flexible buildings that suit many tenants. Usage, access and zoning matter, and so does whether your business or a tenant will occupy it.
Manufacturing space, workshops and strata industrial units in Sydney's industrial areas.
Specialised fit-outs can lower the value a lender places on the building, so we separate the structure from the plant and equipment early.
Office buildings and professional suites, from a small practice to a multi-tenant block.
For an investment build, the lender wants to know who will lease the space and on what terms. For your own office, they focus on your firm's financials.
Shops, small neighbourhood centres and showrooms.
Leasing demand drives retail lending. An anchor tenant on an agreement for lease makes the strongest case.
GP clinics, allied health, dental and specialist rooms, built for you or for a healthcare tenant.
Lenders look at the practice behind the building, the lease and the fit-out. Many health practitioners build premises their practice will lease from their own entity.
Purpose-built early learning centres, owner-operated or leased to an operator.
Childcare is a specialised use, so lenders look closely at the operator, the lease and the approvals. Fewer lenders fund it, which is why matching the lender matters.
How it works
The lender approves a facility on the land, the contract and the finished value, then pays your builder stage by stage as a quantity surveyor confirms the work.
At practical completion the loan converts to, or is refinanced into, a term commercial loan. Five ideas run through every commercial build, and knowing them makes a term sheet much easier to read.
The loan is paid out in stages as the build goes up, not as one lump sum.
Typical stages follow the contract: site works and slab, frame or structure, lock-up, fit-out and practical completion. You pay interest only on what has been drawn so far.
An independent QS checks the budget at the start and each stage before money is released.
The QS acts for the lender. Their initial report tests whether your costs are realistic; their progress reports confirm the work claimed is done.
Most lenders want a fixed price contract with a licensed, insured builder.
A fixed price shifts the risk of rising costs to the builder. Cost plus contracts and owner builder jobs are harder to fund and fewer lenders accept them.
At every draw, the undrawn loan must still cover the cost of finishing the build.
If costs rise and the remaining funds fall short, you are usually asked to put in the difference before the next payment. A contingency in the budget protects you.
Some lenders add interest to the loan during the build instead of billing you monthly.
It protects your cash flow while the premises earn nothing. Other lenders want interest paid monthly. Either way the interest counts toward the total facility limit.
Who will use the building
Who will occupy the finished building changes how a lender assesses the loan.
If your business moves in, the lender reads your business. If a tenant moves in, the lender reads the lease. Plenty of business owners do both: they build through a separate entity and their trading business leases the premises from it, which lenders assess as a related-party lease.
| What changes | Owner-occupier build | Investment build |
|---|---|---|
| Who moves in | Your own business | A tenant on a lease |
| Assessed mainly on | Your business financials and cash flow | The lease, the tenant and the rent |
| Pre-lease needed | No | Often, depending on lender |
| Paid out in stages | Yes | Yes |
| Usual exit at completion | Commercial term loan for your premises | Commercial investment loan against the lease |
General comparison only. Each lender sets its own policy for owner-occupied and leased commercial builds.
On an investment build, the rent repays the loan. That is why many lenders want a signed agreement for lease with a tenant before construction funds flow. The tenant's strength, the length of the lease and the rent all count, and a strong pre-lease can open more lenders and better terms.
Your application
A commercial lender is asking one question: will this building get finished on budget, and will it then pay the loan back? These six things answer it.
Using equity in your home toward the build? See using your home equity.
Free commercial construction assessment
Tell us the site, the building and who will occupy it. Sumit will tell you which lenders fit and what they will want to see.
5.0 from 360+ Google reviewsAisha 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.
Borrowing limits
Commercial construction lenders usually measure the loan two ways, against the finished value and against the total cost, and the lower result sets your limit.
Each lender sets its own percentages, and they move with the type of building, the location, the lease and your business. We do not quote a single figure because there is not one. We model your build against the lenders that fit it instead.
The loan as a share of the "as if complete" valuation of the finished building. A strong lease or a strong business can lift what a lender will accept.
The loan as a share of the land plus the build, fees and interest. It shows how much of your own money stays in the project.
Your estimate
Monthly repayment
$3,597
360 repayments over 30 years at 6% a year.
Assumes the rate stays the same for the whole loan, repayments at the end of each period, and no fees. Extra repayments assume your lender keeps your repayment the same so the loan finishes early.
Figures last checked .
This is an estimate, not financial advice. Results are a guide only. Speak to a broker for accurate figures based on your situation.
Free, no obligation. Your numbers go with your enquiry.
5.0360+ Google reviews
Which loan fits
Ask what happens when the build is finished. Keep a commercial building: commercial construction loan. Sell what you build: development finance. Live in or rent out one home: a home construction loan.
The three are assessed by different lender teams with different checklists. Applying for the wrong one wastes weeks, so we sort it out on the first call.
From a client who built a house with Sumit, on Google
Vineeth Joseph
3 years ago on Google
Around five years ago, we were introduced to Sumit when we initially contemplated constructing a house. Sumit provided us with valuable financial guidance regarding the essential steps to initiate the house-build. Over the years, he has been a constant source of support, assisting us not only throughout the construction of our home but also during the challenging times of the COVID-19 pandemic. More recently, he helped us in refinancing our home loan. He has always offered pragmatic and honest recommendations that prioritise our best interests. Sumit greatly simplified the financial aspect, taking the time to explain the nuances involved in dealing with financial institutions. Sumit and his team have always been approachable and have promptly responded to our queries and requirements.
| What changes | Commercial construction | Development finance | Home construction loan |
|---|---|---|---|
| Typical project | Warehouse, factory, office, shop, clinic, childcare | Units, townhouses, subdivisions to sell | One home or a knockdown rebuild |
| You plan to | Keep it: trade from it or lease it | Sell it, or sell most of it | Live in it or rent it out |
| Assessed mainly on | Your business or the lease | Feasibility, pre-sales and margin | Your income and the end value |
| Paid out in stages | Yes | Yes | Yes |
| Usual exit | Commercial term loan | Sale proceeds, or refinance | Becomes your home loan |
General comparison only. Each lender draws its own line between these products.
The process
Five steps from the first chat to the keys. Sumit runs the deal and Kathryn tracks the paperwork the whole way.
Step 1
You tell us the site, the building, the builder and who will occupy it. We give you an honest view of which lenders fit and what your contribution is likely to be.
Step 2
We put together the contract, plans, cost plan, business financials or lease, and take the deal to the lenders whose policy suits it.
Step 3
The lender orders an "as if complete" valuation and an initial quantity surveyor report. We handle the questions from credit.
Step 4
Once approved, the facility is set up and the builder is paid stage by stage as the QS signs off each one. We stay on hand for every draw.
Step 5
At practical completion the loan moves onto a commercial term loan, for your own business or against the lease.
Sumit reads your plans and calls you back.
Commercial deals we have financed
Commercial construction sits alongside the commercial work Sumit does every year: commercial property purchases, development projects, petrol stations and motels. The deal types below come from his own files. Client details stay private.
These are examples, not a limit. Bring us the site and the plans, and we will tell you who is likely to fund the build.
From a commercial lending client, 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.
Finance arranged for commercial property purchases.
Funding arranged for property development projects.
Finance arranged for the purchase of an operating petrol station.
Finance arranged for buyers of motel businesses.
Buying finished premises instead of building? See commercial property loans for one building, or commercial property portfolio finance to hold several.
Situations we solve
The commercial build files we see most often, and what we do about each.
You rent your premises today and want to build your own, on land you own or are buying.
We look at your business financials, the land and the build together, and find lenders that assess owner-occupied commercial builds on your trading history.
A tenant is ready to sign an agreement for lease if you build to suit their needs.
A strong pre-lease is the best thing an investment build can have. We present the tenant and the lease so the lender sees the income before the first slab is poured.
A medical, dental or allied health practice wants purpose-built rooms it owns through its own entity.
Lenders look at the practice as both owner and tenant. We line up the lease between your entities and the construction finance at the same time.
The quote came in higher than planned, and the gap is bigger than your current approval.
We check whether the higher cost still fits the value and cost limits, and whether another lender, a larger contribution or equity in other property closes the gap.
Your bank declined the build, or wants a pre-lease or contribution you do not have.
Non-bank and private lenders apply different policies to commercial builds. We compare the extra cost against the alternative of waiting or changing the project.
An old default or a hard few years that a major bank will not look past.
Some lenders consider business owners with past credit issues when the land, the builder and the business or lease are strong. Fewer options and higher pricing, so we tell you honestly where you stand.
Why RyRo
A childcare centre, a strata warehouse and a medical centre suit different lenders. We know which ones are funding which buildings right now.
Value, cost, contribution and interest during the build, modelled before you sign the land or the builder.
50+ lenders compared, so a decline at one bank is not the end of your build.
We work with the lender and the quantity surveyor so each stage is signed off and your builder is paid on time.
Industry recognition
Free, no obligation.
Google reviews
Rated 5.0 out of 5 from 360+ Google reviews. These clients came to us for business, commercial and complex lending. Quoted word for word. Read all 360+ Google reviews.
5.0
From 360+ Google reviews
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!
Belinda 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!
Cherrie Sandford
5 years ago on Google
Sumit is extremely professional, supportive and respectful in his business dealings. He went to great lengths to get several simultananeous home loans for me that were extremely complex in nature. He always returned my calls and emails in an efficient timely manner even though contacting me and my husband who works regionally was so difficult. As a woman doing business, he treated me so kindly and I never felt I asked him a silly question, though I'm sure I did. I always felt he would never ever let me down. I HIGHLY recommend Ry Ro loan centre and I would never do business elsewhere now that I've experienced his business services.
From the blog
One guide covers commercial lending for business owners, the other walks through feasibility and staged funding on a Sydney project. Both are worth ten minutes before you sign a building contract.
Commercial · 8 min read
Commercial lending explained for Sydney business owners: what counts as commercial finance, the three lender tiers, how much you can borrow by deal type, and how a commercial finance broker gets you a better outcome.
Read the guide
Commercial · 8 min read
How to finance a property development in Sydney: the five things every lender wants to see, how much you can borrow against cost and GRV, pre-sales, and the structures that stretch your equity.
Read the guide
Commercial and development
FAQs
Have a question not covered here? View all FAQs or ask us directly.
How a commercial construction loan works
Owner-occupier and investment builds
Applying and the numbers
Free commercial construction assessment
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
“Sumit has provided us with specific advice on our business portfolio and i can recommend him for all kinds of financial advisory services.”
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, borrowing limits, pricing and fees change and depend on your project and circumstances.
