Australia's leading commercial finance broker
Australia’s expert commercial finance brokers specialising in commercial property loans. 15+ years experience, 60+ lenders, $2.8B+ arranged. Get the right loan structure today.
Nadine and Chris Connell
Co-Founders
Proud Members
Why many business owners struggle with commercial finance
You’ve probably experienced it.
Banks that don’t understand your business (or care). Brokers who disappear after the first meeting. Generic solutions that don’t fit your situation. Weeks of waiting with no updates.
Commercial finance shouldn’t be this hard. But when you’re dealing with generalist brokers or going direct to banks, you’re just another application number.
- ❌ “My bank doesn’t understand my business”
- ❌ “No one ever calls me back”
- ❌ “Residential brokers don’t understand commercial finance”
That’s exactly why Smart Business Plans exists. We’re the commercial finance specialists who actually pick up the phone, get under the hood of your business, and help you get deals done.
Expertise That Makes the Difference
We're 100% focused on commercial finance , and that specialisation matters.
Commercial Property Loans
Your gateway to commercial property ownership and investment success. From retail shops to industrial warehouses, medical centres to office buildings, we understand commercial property loans inside-out.
Business Loans & Overdrafts
Get the growth capital you need, when your business needs it most. Whether it's working capital, equipment upgrades, or expansion funding, we match you to the right facility business cash flow facility.
Business Equipment Finance
Keep your capital working for you while upgrading your capabilities. Finance vehicles, machinery, technology, and equipment with structures that preserve cash flow. Flexible payment structures.
Nadine Connell
Commercial Finance Broker
We Don't Just Broker Loans. We Engineer Approvals.
What separates average brokers from exceptional ones is the ability to present your business exactly how lenders need to see it. We've mastered this art over 15 years and more than 3,300 business clients.
Service |
When You Work With Others |
When You Work With Us |
|---|---|---|
Business Plan |
❌ "Do it yourself" |
✓ We write it professionally so it's lender-ready |
Financial Forecasts |
❌ "Get your accountant to do it" |
✓ We build sophisticated cash flow models and 2-year projections |
Lender Matching |
❌ Generic one-size-fits-all submission |
✓ We tailor each application for higher approval probability |
Application Strategy |
❌ Hope for the best |
✓ We pre-solve problems for first-time approval success |
Our Application Expertise Includes:
Professional Business Plans
We craft compelling narratives that sell your vision. Every plan is written specifically for your business and lender requirements.
- 3,300+ plans written
- Bank-specific formatting
- Industry-tailored content
Financial Modelling
Cash flows, sensitivity analysis, and projections built by experts who understand what lenders scrutinise.
- 2-year cash flow forecasts
- Sensitivity analysis
- Industry benchmarking
Lender Positioning
Your application positioned differently for each lender based on their specific preferences and requirements.
- 60+ lender profiles
- Tailored submissions
- Pre-emptive solutions
Documentation Management
We coordinate with accountants, lawyers, and valuers to compile everything into a winning presentation.
- Single point of contact
- Professional presentation
- Nothing missed
Proactive Problem-Solving
We identify and address potential issues before lenders see them, turning weaknesses into strengths.
- Issue identification
- Strategic positioning
- Transparent solutions
Speed & Efficiency
Parallel processing with multiple lenders means faster approvals and better negotiating position.
- 5-day average approval
- Multiple submissions
- Competitive tension
The Time & Money Savings:
Bottom Line:
This isn't just about convenience—it's about approval success. We don't just submit applications; we engineer approvals through meticulous preparation, strategic positioning, and unmatched lender knowledge. In a hurry? Don't worry, we have fast, low doc options to suit.
"Nadine at Smart Business Plans wrote my application, built a proper business case, and had three approvals within a week. The difference was night and day."
- Michelle Keeley, Western Sydney.
What do you need finance for?
Buying
a business
Growing
my business
Managing
my cash flow
Starting
a new business
Problems we solve
- What type of business finance best suits my situation and needs?
- Which of 60+ lenders will give me the best rates and terms?
- How do I make the application process faster and easier?
Nadine Connell
Commercial Finance Broker
Proud Members of the Mortgage & Finance Association of Australia.
How it Works
1. Talk to us
Share your goals with our lending experts.
2. We get to work
We negotiate with our network of 60+ lenders
3. You choose the best loan
We help you apply for the loan that best fits your needs.
Not just your business finance broker.
Your business partner for the long haul.
Over the past 15 years Nadine and Chris have had the privilege to help more than 3,300 Australian business owners realise their business goals.
Everyone’s situation and needs are unique. That’s why we offer personalised business finance brokering and planning services, designed to ensure you get the right type of business finance with the best rates and terms possible.
What’s more, as our client you’ll also get access to all the experience and knowledge of our team – helping you succeed long term. Together.
Explore our business loan options
Business loans
Application help
We get you the best business finance
from our marketplace of 60+ lenders
Benefits for our clients
Save Time
We quickly analyse, compare and compile commercial loan options from more than 60 Australian lenders for you, saving you months of work.
Save Headaches
We take the hard work of commercial finance by walking through each step of the process, including business plan and cash flow projections if needed.
Save Money
We help you avoid getting the wrong type of business loan, while negotiating lending terms & rates where possible, which can save you thousands.
If you want the best business loan...
what are your options?
Call 60+ banks
- Slow
- Impersonal
- Only their loans
- Inflexible
- No application help
- Just a number
Call Us
- Fast
- Personal service
- 100’s of loan options
- Flexible
- Full application help
- Client for life
Have a question? Just ask!
One of our lending specialists will be in touch
