Business and Commercial Finance
Comprehensive lending solutions to support your business growth, from commercial property to working capital.
Business and Commercial Finance
Business and commercial lending requires a different approach to residential mortgages. Whether you are purchasing commercial property, expanding your business premises, or seeking working capital, we connect you with the right lenders and structure finance that supports your business objectives.
Our business and commercial finance service is ideal for business owners purchasing commercial property, companies seeking working capital, investors in commercial real estate, and professionals looking to buy their own premises.
Why Business Owners Choose Us
Multi-Lender Commercial Access
Commercial lending varies significantly between banks and specialist lenders. We compare options across the full market to find the best terms for your specific business and property type, including options your bank may not offer.
Flexible Lending Structures
We structure commercial finance to match your business cash flow, whether that means interest-only periods, revolving credit facilities, or seasonal repayment arrangements. The right structure can make a significant difference to your business operations.
Strong Application Presentation
Commercial lending applications require more detailed documentation than residential loans. We prepare a comprehensive lending proposal that presents your business in the best light, increasing approval rates and securing better terms.
Free, Independent Advice
Our commercial lending advisory service is completely free to you. We are paid by the lender, so you receive independent, expert advice without any cost. We work for your best interests, not any single bank.
How It Works
Business Review
We review your business financials, lending needs, and objectives to understand the full picture.
Options Analysis
We compare lending options across commercial banks, specialist lenders, and alternative finance providers.
Application Preparation
We prepare a comprehensive lending proposal and submit to the most suitable lenders for your needs.
Negotiation & Approval
We negotiate terms, rates, and conditions on your behalf to secure the best possible deal.
Settlement & Ongoing Support
We manage the settlement process and provide ongoing reviews as your business needs evolve.
Business & Commercial Finance Guide
Understanding your options for business and commercial lending in New Zealand.
Commercial Property Finance
Purchasing commercial property, whether for your own business or as an investment, requires specialist lending. Commercial property loans typically have different LVR requirements (usually 60-70% maximum), shorter terms, and different assessment criteria compared to residential mortgages.
Lenders assess commercial property based on the property type, tenant quality, lease terms, and location, in addition to your personal and business financials. Industrial, retail, and office properties each have different risk profiles and lending criteria. We help you navigate these requirements and find the best lender for your specific property type.
We also assist with commercial refinancing, helping business owners secure better rates or release equity from existing commercial properties for business growth or further investment.
Working Capital and Business Lending
Beyond property finance, we help business owners access working capital facilities, overdrafts, and business term loans. These products support day-to-day operations, seasonal cash flow needs, equipment purchases, and business expansion.
Working capital solutions include revolving credit facilities, invoice financing, trade finance, and business term loans. The right product depends on your business type, cash flow cycle, and specific needs. We compare options across traditional banks, specialist business lenders, and alternative finance providers to find the best solution.
Owner-Occupied vs Investment Commercial Property
The way lenders assess your application differs depending on whether you are buying commercial property for your own business use or as an investment. Owner-occupied commercial property is generally viewed more favourably by lenders, as it demonstrates business stability and reduces your rental costs.
Investment commercial property is assessed primarily on rental income, tenant quality, and lease terms. A long-term lease to a strong tenant (known as a blue-chip tenant) will attract better lending terms than a short-term lease or vacant property. We help you position your application to maximise approval chances and secure the best terms regardless of whether the purchase is owner-occupied or investment.
Looking for Business Finance?
Book a free consultation and we will review your business needs, compare lending options, and find the right finance solution for your situation.
Our Lending Partners
We compare rates across New Zealand's leading banks and lenders to find the best deal for you.
What Our Clients Say
"Grace was fantastic to work with! Professional, knowledgeable, and always available to answer questions. They made the entire process smooth and stress-free. Highly recommend!"
Alan
Google Review
"Grace at Sunshine Mortgages is an excellent mortgage broker who is very experienced, informative, and patient. She supported us all the way from pre-approval to finalising the mortgage. She is very hard working and truly appreciate the extra push at the critical moments! Highly recommend her services."
Henry & Dotty
Google Review
"Excellent professionalism! We would highly recommend Grace to anyone who is seeking advice on mortgage applications."
Zoe Jiang
Google Review
"Highly recommend Grace Zhang – an outstanding mortgage broker! Grace guided us through our first home purchase. Her expert advice, patience, and clear communication made the process so much easier for us as first home buyers. Grace helped us find the best mortgage options and was always available to answer our questions. She truly made our home buying experience smooth and stress-free!"
Jin Tingting
Google Review
"Grace is a patient and professional broker. We got pre-approval from the bank within two weeks. Thanks to her professional advice, everything went very smoothly. She answers our questions 24/7!"
Guan Meiling
Google Review
"Grace was fantastic to work with! Professional, knowledgeable, and always available to answer questions. They made the entire process smooth and stress-free. Highly recommend!"
Alan
Google Review
"Grace at Sunshine Mortgages is an excellent mortgage broker who is very experienced, informative, and patient. She supported us all the way from pre-approval to finalising the mortgage. She is very hard working and truly appreciate the extra push at the critical moments! Highly recommend her services."
Henry & Dotty
Google Review
"Excellent professionalism! We would highly recommend Grace to anyone who is seeking advice on mortgage applications."
Zoe Jiang
Google Review
"Highly recommend Grace Zhang – an outstanding mortgage broker! Grace guided us through our first home purchase. Her expert advice, patience, and clear communication made the process so much easier for us as first home buyers. Grace helped us find the best mortgage options and was always available to answer our questions. She truly made our home buying experience smooth and stress-free!"
Jin Tingting
Google Review
"Grace is a patient and professional broker. We got pre-approval from the bank within two weeks. Thanks to her professional advice, everything went very smoothly. She answers our questions 24/7!"
Guan Meiling
Google Review
"Grace is a patient and professional broker. We got pre-approval from the bank within two weeks. Thanks to her professional advice, everything went very smoothly. She answers our questions 24/7!"
Guan Meiling
Google Review
"Highly recommend Grace Zhang – an outstanding mortgage broker! Grace guided us through our first home purchase. Her expert advice, patience, and clear communication made the process so much easier for us as first home buyers. Grace helped us find the best mortgage options and was always available to answer our questions. She truly made our home buying experience smooth and stress-free!"
Jin Tingting
Google Review
"Excellent professionalism! We would highly recommend Grace to anyone who is seeking advice on mortgage applications."
Zoe Jiang
Google Review
"Grace at Sunshine Mortgages is an excellent mortgage broker who is very experienced, informative, and patient. She supported us all the way from pre-approval to finalising the mortgage. She is very hard working and truly appreciate the extra push at the critical moments! Highly recommend her services."
Henry & Dotty
Google Review
"Grace was fantastic to work with! Professional, knowledgeable, and always available to answer questions. They made the entire process smooth and stress-free. Highly recommend!"
Alan
Google Review
"Grace is a patient and professional broker. We got pre-approval from the bank within two weeks. Thanks to her professional advice, everything went very smoothly. She answers our questions 24/7!"
Guan Meiling
Google Review
"Highly recommend Grace Zhang – an outstanding mortgage broker! Grace guided us through our first home purchase. Her expert advice, patience, and clear communication made the process so much easier for us as first home buyers. Grace helped us find the best mortgage options and was always available to answer our questions. She truly made our home buying experience smooth and stress-free!"
Jin Tingting
Google Review
"Excellent professionalism! We would highly recommend Grace to anyone who is seeking advice on mortgage applications."
Zoe Jiang
Google Review
"Grace at Sunshine Mortgages is an excellent mortgage broker who is very experienced, informative, and patient. She supported us all the way from pre-approval to finalising the mortgage. She is very hard working and truly appreciate the extra push at the critical moments! Highly recommend her services."
Henry & Dotty
Google Review
"Grace was fantastic to work with! Professional, knowledgeable, and always available to answer questions. They made the entire process smooth and stress-free. Highly recommend!"
Alan
Google Review
Frequently Asked Questions
What deposit do I need for a commercial property?
Can I use residential property equity for a commercial purchase?
What business financial documents are needed?
Do you help with equipment and asset finance?
Is your commercial lending advice free?
Explore Our Other Services
Home Loans
Whether you are a first home buyer or looking to purchase your next property, we guide you through the entire process with expert advice and access to the best rates.
Learn MoreConstruction Funding
Building your dream home? We specialise in construction lending with progress payment management and competitive rates to bring your vision to life.
Learn MoreProperty Development Lending
Finance your property development projects with tailored lending solutions. From land subdivision to multi-unit builds, we structure funding to keep your development on track.
Learn MoreRefinancing
Make your mortgage work harder for you. Whether you want to lower your repayments, access equity, or restructure for flexibility, we find the best deal.
Learn MoreInvestment Property Finance
Grow your property portfolio with expert lending advice. We help you structure your finances to maximise returns and minimise risk.
Learn MoreNot Sure Which Option Is Right For You?
Book a free consultation and we will assess your situation and recommend the best path forward.