Business Loans
Whether you’re a small business starting out or an established enterprise looking to expand, we structure business loans tailored to your cash flow, goals, and risk profile. With flexible repayment options to suit your business cycle.
Commercial Property Purchase
Looking to buy your own commercial premises or add to your investment portfolio? We can assist with purchases under company structures or Self-Managed Super Funds (SMSF), giving you flexibility in how you hold and grow your assets.
Construction & Development Finance
From land subdivision to multi-unit residential and commercial developments, we understand the complexity of construction lending. We structure development finance deals with the experience to take your project from concept to completion.
Working Capital & Cash Flow Lending
Cash flow gaps can catch even profitable businesses off guard. We help you access working capital facilities, business overdrafts, and short-term funding solutions to keep operations running smoothly without disruption.
Equipment & Asset Finance
Invest in the tools your business needs without straining your cash reserves. We arrange finance for vehicles, machinery, plant and equipment with competitive rates and structures suited to your industry.
SMSF Lending
Diversify your retirement strategy by purchasing commercial or residential property through your self-managed super fund. We guide you through the lending requirements and structure to ensure compliance and value.
Unsecured Business Lending
Need fast access to funds without putting up security? We work with lenders who offer unsecured business loans for eligible applicants, a practical solution for short-term needs or opportunistic growth.
Alt-Doc / Low-Doc Loans
Business financials don’t always tell the full story. We specialise in preparing applications for self-employed borrowers, sole traders, and complex trust structures where standard documentation isn’t available or doesn’t reflect your current position.
Why Choose a Commercial Broker Over Your Bank?
Many business owners go straight to their existing bank, but that means accessing just one set of products, at one set of rates, with one credit appetite. A broker works for you, not the lender.
Here’s what that means in practice:
Access to 40+ lenders — We compare across banks, non-banks, and specialist lenders to find the most suitable product for your needs.
Expert application preparation — We position your application to maximise approval chances with the right lender, first time.
Competitive tension — We use the market to negotiate better rates, fees, and loan structures on your behalf.
Ongoing relationship — Unlike bank managers who move on regularly, we remain your point of contact as your business grows and your needs evolve.
Risk management — Where appropriate, we can spread your borrowing across multiple lenders to reduce concentration risk.
Full-service capability — From business loans and overdrafts to asset finance, development lending, and financial planning — we cover the full spectrum.
Finance Expertise Across Key Industries
We work with businesses across a broad range of sectors, including:
- Construction & Property Development
- Medical & Allied Health
- Retail & Hospitality
- Agriculture
- Mining & Industrial
- Self-Employed & Sole Traders
- SMSF Trustees
- Professional Services
No matter your industry, we bring relevant experience and a network of lenders who understand your sector.
Simple Steps to the Right Finance
1
We start with a conversation, no paperwork, no pressure. We want to understand your goals, your current position, and what you’re trying to achieve.
2
We assess your requirements against our panel of 40+ lenders, identifying the most suitable options in terms of rate, structure, and lender appetite.
3
You receive a clear comparison of recommendations, explained in plain language — so you can make an informed decision with confidence.
4
From application to approval to settlement, we manage the process end to end, keeping you informed at every stage so you can stay focused on running your business.
Don't take our word for it!
See what our clients have to say about us
Larisa P
08:19 15 Apr 26
Rory and Harper were both incredibly helpful and supportive throughout our entire first home buyer journey. They took the time to answer every question and address every concern we had, making the whole process feel much less overwhelming. We really appreciated their patience, professionalism, and genuine care, highly recommend!
michael williams
01:13 09 Apr 26
We were fortunate enough to have Sandra recommended to us and her professionalism and input was vital in making the purchase of our property successful.
Sandra was clear with her instructions, generous with her time and skilfully designed the best loan arrangement for us.
I would recommend her services to anyone wanting to buy as she made the process efficient and transparent.
Sandra was clear with her instructions, generous with her time and skilfully designed the best loan arrangement for us.
I would recommend her services to anyone wanting to buy as she made the process efficient and transparent.
Anne Marie Riego
01:10 09 Apr 26
We found Sandra to be a very professional, approachable and efficient Broker. She was always readily available for any queries big or small and was very efficient in handling all our questions. We were very happy with her friendly and warm manner and are satisfied with the outcome of our loan and purchasing of our property. We cannot recommend Sandra enough and we will definitely be using her again and again and again!
Jane Robertson
22:22 14 Mar 26
We had a fantastic experience working with the team at Own Money. Rory and Harper were incredibly helpful in securing a very competitive rate for both our mortgage and investment loans.
They were flexible with their time, even working outside normal business hours to accommodate us, which made the whole process much easier. What really stood out was how quickly and smoothly everything was handled – they made what can normally be a stressful process feel simple and straightforward.
Rory and Harper were also incredibly patient, answering all of our (many!) questions and making sure we understood every step along the way.
We really appreciated their support and would highly recommend Own Money to anyone looking for a great mortgage broker.
They were flexible with their time, even working outside normal business hours to accommodate us, which made the whole process much easier. What really stood out was how quickly and smoothly everything was handled – they made what can normally be a stressful process feel simple and straightforward.
Rory and Harper were also incredibly patient, answering all of our (many!) questions and making sure we understood every step along the way.
We really appreciated their support and would highly recommend Own Money to anyone looking for a great mortgage broker.
Ben C
21:58 10 Mar 26
Rory and Maria helped me get equity out of my investment property. They made the process very easy. Own money where able to get the out come from the banks i wanted.
Anika Carbone
03:32 05 Mar 26
Rory, Harper and Maria have been absolutely brilliant to work with. My partner and I were referred by a family friend when buying our first home. 5 years on, we have an investment property and our new family home with the help of this killer team at Own Money. They’ve continued to provide us with excellent advice and assistance, always taking the time to thoroughly explain our options and breakdown pros and cons. Harper has been excellent, super responsive and always feels just a phonecall away if I have a question. They go above and beyond with their support and I can feel they truly care about their clients. I highly recommend their services and am thrilled to have them as our brokers.
Anmol Oberoi
06:29 04 Mar 26
Working with Harper and the Own Money team was an excellent experience. The entire process was handled smoothly and professionally, and I’m truly grateful for their support throughout. I wouldn’t hesitate to recommend Own Money to anyone looking for knowledgeable, reliable, and hands-on assistance. I couldn’t be happier with the outcome and will definitely be referring the team to friends and family who are looking for a great broker that makes complex situations simple and delivers outstanding results.
Shannon Percy
07:23 25 Feb 26
A great experience from start to finish! The Own Money team were knowledgeable, helpful, patient and responsive - making the entire process seemless from start to finish. Communication was clear, and I always felt informed and supported. I highly recommend Rory, Harper and the team at Own Money to anyone looking for a reliable and caring mortgage broker. Thank you
Narelle Bertalli
00:06 03 Feb 26
Harper was fantastic from start to finish. This isn’t my first time using this business, and not the first time using a broker. Harper made this entire process stress free and streamlined.
As 2 professionals with busy lifestyles this was extremely important for us, Harper delivered exceeded our expectations making this entire experience possible and enjoyable.
As 2 professionals with busy lifestyles this was extremely important for us, Harper delivered exceeded our expectations making this entire experience possible and enjoyable.
Joni Edson
22:55 17 Dec 25
I have worked with the team at Own Money twice now and highly recommend them! Nothing it too much trouble, they go out of their way to walk you through each step and answer all the questions you have. I am so grateful for all their assistance and support and can not recommend them highly enough for someone looking for a skilled team.
michelle thomas
22:29 17 Dec 25
Great help from Harper, Rory & Maria. My refinancing was not a simple task but they made it happen. I’m very grateful for the communication, support & success.
Thank you
Michelle
Thank you
Michelle
Andrew Benjamin Smith
10:19 09 Dec 25
Working with Harper, Rory and the Own Money team was a fantastic experience from start to finish. Their communication was excellent - I always knew what was happening and felt supported every step of the way. They presented a range of options, explained everything clearly, and helped me make confident decisions in what was a fairly complex situation. Everything was carried out smoothly and professionally. I’m genuinely grateful for their help and wouldn’t hesitate to recommend Own Money to anyone needing knowledgeable, reliable and hands on support. I couldn't be happier and will definitely be referring the team to friends and family looking for a great broker who makes the complex simple, the impossible happen, and the 11 out of 10 stress levels of relying on banks a manageable 7 🙂
Ashley Manini
03:58 08 Dec 25
Rory, Maria and the team have been awesome in helping me refinance. They’ve made it super easy and stress free! Simple and easy communication makes the whole process a breeze!