We have business lending solutions for every stage of your business

Our dedicated Commercial Brokers are here to assist your Sydney business in securing the funding it requires.

Variable from 7.29% |
Fixed from 7.05% to 7.70%

Comparison rate warning

Comparison rate warning
WARNING: Comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. For variable interest-only loans, comparison rates are based on an initial 5-year Interest Only period. For fixed Interest Only loans, comparison rates are based on an initial Interest Only period equal in length to the fixed period. During an Interest Only period, your Interest Only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.
What is a comparison rate?
  • A comparison rate includes the interest rate as well as certain fees and charges relating to a loan.
  • The aim of the comparison rate is to help you identify the true cost of a loan and compare loans and services offered by financial institutions and mortgage providers.
  • The formula for calculating a comparison rate is regulated by the Consumer Credit Code, and all Australian financial institutions and mortgage providers use this same formula.
The comparison rate does not include
  • Government charges such as stamp duty or mortgage registration fees.
  • Fees and charges associated with loan options or events that may or may not be used by the borrower, such as early repayment or redraw fees.
  • Fees and charges which aren’t available at the time the comparison rate is provided.
  • Cost savings such as fee waivers or the availability of interest offset arrangements which can influence the cost of a loan.

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* Terms & Conditions apply.

Business & Commercial Finance

At CCS Lending, our experienced business loan brokers help business owners access finance that supports cash flow, growth and strategic investment.

From working capital and commercial property loans to full doc, quick doc and lease doc lending, we help structure the right solution for your business goals.

Business & Commercial Finance

At CCS Lending, we help business owners, investors and self-employed borrowers secure tailored finance solutions for commercial property, business growth, working capital and specialist security types. Whether your application is full doc, quick doc, lease doc or requires a more tailored lender approach, we assess your scenario carefully and match it with suitable banks and non-bank lenders.

We also assist with more complex commercial lending scenarios, including heritage-listed properties, leasehold properties, specialised securities and non-standard income structures. Our role is to simplify the process, strengthen your application and help you secure a finance structure that supports your business and investment goals.

Can I get finance for a leasehold property?

Yes, leasehold property finance may be available with selected lenders, subject to the lease terms, remaining lease period, property type, location, valuation and overall strength of the application.

Can you help with full doc, quick doc and lease doc loans?

Yes. Depending on your income evidence and financial position, we can explore full doc, quick doc and lease doc lending options with suitable lenders. This can be especially helpful for self-employed borrowers, business owners and investors with non-standard income documentation.

What types of business and commercial loans can CCS Lending assist with?

We can assist with commercial property loans, business loans, working capital facilities, equipment finance, cash flow lending, refinance, debt consolidation and tailored finance structures for business owners and investors.

Do lenders accept heritage-listed properties?

Some lenders will consider heritage-listed properties, but they may apply additional valuation, security and policy requirements. We help assess the property, identify suitable lenders and structure the application correctly from the beginning.

Can you help if my business financials are not straightforward?

Yes. Many business owners have complex income, multiple entities, fluctuating revenue or tax-effective structures. We review your full position and work with lenders that understand commercial and self-employed borrower scenarios.

Can I refinance my commercial loan?

Yes. We can review your existing commercial loan, compare lender options and assess whether refinancing may help reduce repayments, access equity, consolidate debt or improve your overall loan structure.

"Wow! An almost 6 month journey of purchasing our first home and finally come to its end. Aaron and his team had been exceptional from the start. Their attention to detail was accurate and they made the mortgage application process easy to follow. They didn’t just do their job but went out of their way to ensure the best possible outcome for their clients. My husband and I are so pleased with the customer service we received and will definitely only be dealing with them from here on. We highly recommend Aaron and team from citadel capital solutions"

– Lavashni Ramsamooj, Google Review

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"CCS have been a trusted broker for many years assisting with the purchase of three properties and recently successfully refinancing an investment property to reduce the interest rate. Aaron and Mikhail are always easy to deal with, very responsive to queries and we are always kept up to date throughout the process. Highly recommend the team at CCS."

– Joel Spencer, Google Review

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© 2026 CCS Lending. All rights reserved.

Australian Credit Licence Number 458791 | ABN: 17 166 219 521 | Suite 73, 26-32 Pirrama Road, PYRMONT, NSW 2009 | PO Box 383, PYRMONT, NSW 2009