Copyright © LYDIAN FINANCIAL SERVICES PTY LTD 2026. All Right Reserved.
Commercial property, equipment and asset finance and working capital, structured around how the business actually trades.
Commercial and asset finance is assessed very differently to a home loan. Lenders look at trading history, cash flow, the structure the business operates through, the quality of the security and the purpose of the funds. Presenting that picture properly is most of the work, and it is where a broker who understands business lending earns their place.
Buying premises, refinancing an existing commercial loan or releasing equity from a commercial asset. We help you understand what lenders will look for and how the deal is likely to be assessed.
Vehicles, plant, machinery and equipment, funded so the repayment profile matches the working life of the asset rather than the other way around.
Funding for growth, timing gaps and opportunities that will not wait for a slow process.
How business finance is structured touches security, personal guarantees, the entity that borrows, the tax treatment of the asset and what happens when you want to grow or exit. Those are decisions worth getting right at the start, in consultation with your accountant, rather than unwinding later.
A clear read on your existing facilities and whether they still suit the business.
Banks, non bank lenders and specialist asset financiers, matched to the deal rather than to a panel default.
We prepare the submission, including the supporting financial picture, and manage it through to settlement.
Which entity borrows, what is offered as security and how guarantees are arranged.
Acquisition, replacement and end of term options for vehicles, plant and equipment.
Periodic reviews as the business changes, rather than only when something breaks.
Before you commit to an asset purchase, a premises or a new facility, it is worth understanding how it is likely to be assessed. A short conversation with a Lydian adviser will cover:
Lydian Financial Services provides credit assistance and lending services. Any advice on this page is general in nature and does not take into account the objectives, financial situation or needs of your business. Commercial and asset finance is subject to lender credit assessment, eligibility criteria, terms and conditions, and some commercial lending is not regulated by the National Credit Code. We recommend obtaining appropriate financial, taxation and legal advice before entering into a finance arrangement.
A national network delivering lending advice and services across Australia.
Authorised Representative no. 525 778
Specialist Financial Group Australian Credit Licence no. 387025
Copyright © LYDIAN FINANCIAL SERVICES PTY LTD 2026. All Right Reserved.