Commercial lending is not just a bigger residential loan.
The right lender, structure, and terms depend on the asset, the borrower, and the strategy.
And commercial mistakes can be expensive to unwind.
We work with a limited number of new clients at a time. Complete the questions below and we’ll offer you available meeting times.Commercial lending is opaque. Lender appetite varies significantly by property type, location, tenancy, and borrower profile. Policies change frequently. And many residential brokers either don't have access to the right lenders or don't understand how commercial deals are assessed.
Getting the lender selection or structure wrong can cost time, valuation fees, opportunity, and leverage.
Clients engage Key Choice Lending to navigate commercial finance with a structured approach — the right lender, the right structure, and the right terms for the asset and the borrower.
Commercial lending starts with the deal — not the lender.
A commercial loan must be assessed around the asset, lease profile, borrower entity, cash flow, gearing, exit strategy, and lender appetite. The same borrower can receive very different outcomes depending on how the transaction is positioned.
This is why we start with your commercial position before we approach any lender.
What We Do
Before we assess a single lender, we assess:
- The property type and location.
- The lease profile and tenant strength.
- Your borrowing entity and structure.
- Your business or investment income.
- Your existing commercial and residential lending.
- Your short and long-term objectives for the asset.
Only then do we identify which lenders will consider the deal — and structure the application for the best outcome.
The CARE Framework
How We Work With Commercial Clients
A four-step process refined over 3,000+ client engagements.
Clarify
Understand your position and goals
We establish the full picture — the asset, the borrower, the entity, and the objectives — before making any recommendations.
Advise
Design the right lending strategy
We eliminate lenders whose appetite doesn't fit the asset type or borrower profile before identifying those that will. We assess policy, serviceability, and pricing only after narrowing to lenders who understand how to assess this category of deal correctly — across our panel of 70+ lenders including non-bank and commercial specialists.
Execute
Secure the right structure and outcome
We manage the entire process from application through to settlement — coordinating with your solicitor, accountant, and valuer as required. The complexity stays with us. The clarity sits with you.
Review
Protecting and growing what you have
We monitor your commercial lending and submit pricing requests on your behalf. As your asset position, tenancy, or business circumstances change, we stay close to your situation so you are always positioned for the next move.
This engagement is for you if:
- You are purchasing, refinancing, or restructuring a commercial property and want a broker who understands how commercial deals are assessed
- You are a business owner or investor looking to finance commercial premises or an investment asset
- You are prepared to provide full financial documentation including business financials, tenancy details, and entity structure
- You want a structured approach — not a broker who sends your application to multiple lenders and waits
This engagement is not suitable if:
- You are looking for the fastest possible approval without a thorough assessment
- You are not prepared to share full financial documentation for the business and the asset
- You have already received a declined application and are looking for someone to re-lodge it without addressing the underlying issues
- You are expecting residential loan terms on a commercial asset
- You are seeking a fast approval without providing full financial documentation for the business and the asset
If this aligns with your situation, you can apply below.
Matthew Clark
Founder & Head of Client Strategy
Dip. Fin. Services (Mortgage Broking) | Dip. Prop. (Agency Mgmt) | QPIA | Amazon Bestselling Author x2
Credit Representative Number 508009 | Australian Credit Licence 538623
$1B+ in lending facilitated since 2001 | 70+ lenders | 3,000+ clients supported
Key Choice Lending — Winner Better Business Awards 2024, Finalist 2025 & 2026