OF ORLA FinanceCommercial · development
📞 0485 079 953

ORLA Finance › Commercial & Development Finance

For developers, investors & business owners

Commercial & development finance, structured for the deal.

Beyond the big banks. We arrange commercial property, construction, development, mezzanine, private credit and business finance across a wide panel of bank and non-bank lenders — structured to get your project or purchase funded.

📞 Call 0485 079 953
Banks + non-bank & private lendersWhole capital stackDeals the banks won't do

Tell us about your deal

A commercial broker reviews your scenario and comes back with how it can be funded — no obligation.

  • ✓Developers — site, construction, mezzanine & residual stock
  • ✓Business owners — premises, working capital & equipment
  • ✓Investors — commercial property & SMSF purchases
  • ✓Knocked back? — private credit for complex or urgent deals
Banks + non-banksa wider lender panel
Whole stacksenior · mezzanine · equity
Private creditwhen speed & flexibility matter
1 teamfinance + legal via ORLA
What we fund

Commercial and development finance, end to end

From a single commercial property to a multi-stage development — we source and structure the right funding for each.

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Commercial property

Buy or refinance offices, retail, industrial and warehouses — owner-occupied or investment.

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Development & construction

Ground-up builds, townhouses and apartments — senior construction debt structured to your feasibility.

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Land subdivision

Funding to subdivide and title, matched to lenders comfortable with your project and staging.

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Site acquisition

Secure the land now and finance the build later — funding structured across both stages.

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Mezzanine finance

A second layer behind the senior lender to complete the capital stack and stretch your equity further.

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Private credit

Non-bank funding for complex, non-standard or time-critical deals the banks won't move on.

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Residual stock

Release equity from completed but unsold stock so you can move on to the next project.

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Business & working capital

Loans for cash flow, expansion, fit-out or acquisition — matched to the right business lender.

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Equipment & asset finance

Plant, machinery, vehicles and equipment — competitive chattel mortgage and asset finance.

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SMSF commercial

Buy your business premises or a commercial investment inside your self-managed super fund.

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Bridging finance

Short-term funding to bridge a purchase, settlement or refinance gap without missing the window.

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Equity & JV introductions

Need a capital partner? We can introduce equity and joint-venture funding for the right project.

The capital stack

We structure the whole stack — not just one loan

Most development deals need more than a single loan. Senior debt covers the bulk; your equity sits on top; and where there's a gap, mezzanine finance or private credit bridges it — so you can do more without tying up all your own cash.

We map your feasibility, work out the right mix, and source each layer from lenders whose appetite fits — including equity and JV introductions when a project needs a capital partner.

How it works

From scenario to funded

1

Tell us the deal

Your project or purchase, the numbers and the timeline — online or by video.

2

We structure it

We work out the right capital structure and leverage for your feasibility.

3

We source lenders

We take it to banks, non-banks and private credit whose appetite fits — and negotiate.

4

Funded & settled

We manage the approval through to drawdown, with your legal side handled via ORLA.

FAQ

Commercial finance — straight answers

What kinds of commercial and development finance do you arrange?
Commercial property purchase and refinance (offices, retail, industrial, warehouses), development and construction finance (ground-up builds, townhouses, apartments), land subdivision, site acquisition, business loans and working capital, equipment and asset finance, SMSF commercial property, plus specialist funding such as mezzanine, private credit, residual stock and bridging finance.
Do you work with non-bank and private lenders?
Yes. As a brokerage we go beyond the major banks to a wide panel of non-bank and private lenders. For development and time-sensitive deals that often means faster decisions, higher leverage and structures the banks won't do.
Can you fund a development from site purchase through to completion?
Yes — we can structure the whole capital stack: site acquisition finance to secure the land, senior construction debt for the build, mezzanine or private credit to fill the gap, and residual stock finance to release equity from completed, unsold stock. We can also make equity and joint-venture introductions where a project needs a capital partner.
What is mezzanine finance and when do I need it?
Mezzanine finance is a second layer of funding that sits behind the senior lender to top up the capital stack when senior debt plus your own equity doesn't cover the total project cost. It lets a developer do more with less of their own cash, at a higher rate to reflect the added risk.
Can you help if the banks have said no?
Often, yes. A bank declining a deal usually means it didn't fit that bank's policy — not that the deal can't be funded. We take it to lenders whose appetite matches your scenario, including private credit for complex, non-standard or urgent situations.
How big or small a deal do you handle?
From a single commercial property or a small business facility through to multi-unit developments and larger structured deals. Tell us the scenario and we'll tell you honestly whether and how it can be funded.
Do you charge fees for commercial finance?
Commercial and development deals are individually structured, so any fee is quoted and agreed with you up front before you commit — no surprises. Many deals are still lender-paid; where a fee applies, you'll know exactly what and why.

Have a project or purchase in mind?

Tell us the deal and we'll tell you how it can be funded. No obligation.