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Anna Williams - Business & Commercial Lending
Berti Financial Group Berti Financial Group

Business & Commercial Lending

Finance That Helps Your Business Grow

Whether you're buying commercial property, purchasing a business, funding growth, or managing cash flow — I'll connect you with the right lender and structure the finance to support your goals. No bank runaround, no cookie-cutter solutions.

Business & Commercial Lending

Types of Commercial Finance

Business and commercial lending covers a broad range of needs. Here's what I work with regularly:

Commercial property loans — offices, retail, warehouses, and industrial premises

Business purchase finance — buying an existing business, including goodwill and stock

Cash flow and working capital — overdrafts, lines of credit, and invoice finance to keep operations running smoothly

Development finance — funding for residential and commercial property development projects

Fit-out and equipment — finance for shopfits, office refurbishments, and business equipment

Franchise finance — specialist lending for franchise purchases and expansions

Business & Commercial Lending

Who This Suits

I work with a wide range of business owners and commercial borrowers across Sydney and the Sutherland Shire:

Small business owners looking to buy their own premises instead of renting

Tradies and contractors needing vehicles, tools, and equipment finance

Medical, dental, and allied health professionals setting up or expanding practices

Property developers seeking construction and development finance

Franchise buyers needing finance structured around franchisor requirements

Established businesses looking to refinance existing commercial debt

Business & Commercial Lending

How I Help Businesses

Commercial lending is more complex than residential — lenders assess your business financials, cash flow, industry, and security differently. I know which lenders are appetite for different business types, which means less wasted time and better outcomes. I work alongside your accountant and solicitor to make sure the structure is right from the start, and I manage the entire application process so you can focus on running your business.

FAQ

Business & Commercial Lending Questions

Common questions I get from clients about business & commercial lending. If yours isn't here, just ask.

How much can I borrow for commercial property?
Most lenders will lend up to 70-80% of a commercial property's value, depending on the property type and your financial position. Some specialist lenders go higher in certain situations. I'll assess your borrowing capacity and find the right fit.
Do I need financials to apply for business finance?
Usually, yes — lenders will want to see your last 2 years of tax returns, financial statements, and sometimes BAS statements. For some low-doc or asset-secured products, the requirements are lighter. I'll tell you exactly what's needed upfront.
Can I use my home as security for a business loan?
Yes, many business owners use residential property as security for commercial lending — it can help you access better rates and higher loan amounts. However, it's important to understand the risks. I'll make sure you're fully informed before going down this path.
How long does commercial lending take to settle?
Commercial loans typically take 2-6 weeks from application to settlement, depending on complexity. Simple deals can be faster; development finance and larger transactions take longer. I set expectations early and keep things moving.

Free Tools & Resources

Crunch the numbers before we chat — these calculators give you a starting point.

Let's Talk About Your Business & Commercial Lending

Free, no-obligation consultation. I'll take the time to understand your situation and show you what's possible.