Commercial Finance
With Cross-Over Intelligence
Most commercial brokers only do commercial. Most resi brokers can\'t touch commercial. We do both — with CPA and Tax Agent credentials — so your deals are structured holistically across your entire portfolio.
Watch the short answer
Why using cash for tools and vehicles can hurt your business
If your business needs vehicles or machinery, this clip explains using asset finance to keep cash in the business.
Read the transcript
Stop using your liquid cash to buy tools, machinery, or work vehicles. When you drain your operating account to buy equipment outright, you look safe to your accountant, but you look highly illiquid to a mortgage underwriter. Use specialised asset finance to keep your cash in your business account where it preserves your personal borrowing. Keep your assets working and your cash liquid. DM me 'FLEET' to protect your cash flow.
General information only, not personal advice. Your situation is assessed before any recommendation.
CPA
CPA Qualified
Tax
Tax Agent
40+
Lender Panel
Dual
Resi + Commercial
The Cross-Over Advantage
When your residential broker says "I don\'t do commercial" and your commercial broker ignores your home loan — value falls through the cracks.
Residential + Commercial
Use residential equity to support commercial deals. Restructure across both portfolios for optimal LVR and pricing.
Tax-Aware Structuring
As a CPA and Tax Agent, every commercial deal is structured with tax implications in mind — depreciation, GST, CGT.
Holistic Portfolio View
We see your complete picture: home, investment properties, business assets, SMSF. One broker, one strategy, no gaps.
Commercial Finance Services
Business Purchase
Finance for buying an existing business, franchise or practice. We structure the deal across goodwill, stock, equipment and property.
Learn moreCommercial Investment
Commercial property loans for offices, retail, industrial and mixed-use. Investment and owner-occupied options.
Learn moreEquipment Finance
Chattel mortgage, hire purchase, finance lease and operating lease for vehicles, machinery and business equipment.
Learn moreCashflow Lending
Working capital solutions including overdrafts, trade finance, debtor finance and unsecured business loans.
Learn moreSMSF Lending
Limited recourse borrowing arrangements for self-managed super funds acquiring residential or commercial property.
Learn moreCommercial Finance FAQs
“Will a broker who mostly does home loans really understand my business finances?”
Commercial lending is bespoke, not a rate table. If your broker can’t read a set of financials, they can’t structure your deal — they can only forward it and hope.
Local Knowledge Finance is led by a CPA and Registered Tax Agent, so your business financials, structure and tax position are understood in depth — across commercial property, equipment, cashflow and SMSF lending — and matched to the right lender from a 40+ panel. Because the same practice handles residential and development finance, deals that cross both are coordinated under one roof.
- Financials read by a CPA — not just passed on
- Business purchase, commercial property, equipment and SMSF
- Cashflow and working-capital facilities structured to fit
- Deals that cross residential and commercial coordinated
- Tax and structure considered from the start
- Matched across 40+ lenders, not one bank’s policy
A multi-service financial practice recognised across 9 national award programs over 12 consecutive years (2014–2026) — including 6× Innovator of the Year finalist at the Australian Accounting Awards (recognising an integrated accounting, tax & mortgage-broking practice) and three finalist categories at the Australian AI Awards 2026.
Ready to Discuss Your Deal?
From business acquisitions to SMSF lending, we bring CPA-level financial understanding to every commercial deal.
Submit EnquiryExplore Our Complete Finance Network
Local Knowledge Finance operates as a unified practice across commercial, development, residential, refinancing and debt consolidation finance. Every division is led by James Chee — CPA, Registered Tax Agent and Registered Mortgage Broker — so your strategy is never siloed.
Development Finance
Construction & Development Lending
Specialist construction loans for duplexes, townhouses and medium-density projects up to $10M. Fast non-bank approvals with progressive drawdown management.
Tailored Home Loans
Prestige & Residential Lending
Sydney's Eastern Suburbs specialist for prestige home loans, first home buyers, refinancing and investment lending — with local market intelligence that matters.
Debt Consolidation
Consolidate & Save
Roll credit cards, personal loans, car finance and other debts into one home loan at a fraction of the rate — structured with a separate split and accelerated payoff plan.
Refinancing
Rate Reviews & Loan Restructuring
Switch to a sharper rate, unlock equity, consolidate debt or move off an expiring fixed rate — with the true cost modelled, not just the headline rate, by a CPA and Registered Mortgage Broker.
Local Knowledge Finance
Full-Service Finance Hub
The central hub connecting commercial, development and residential finance — led by James Chee, a CPA, Registered Tax Agent and Registered Mortgage Broker.
12 years of recognised innovation.From fintech pioneers to AI leaders.
A trajectory of compound innovation — building from foundational accounting technology to multi-industry AI leadership across cybersecurity, property, healthcare, and governance.
- SelectedInnovation SelectionSMART 100 IndexMyMoney
- SelectedInnovation SelectionSMART 100 IndexiBOP
- SelectedInnovation SelectionSMART 100 IndexMyMoney
- SelectedInnovation SelectionSMART 100 IndexMyMoney
- FinalistBoutique Firm of the YearAustralian Accounting Awards
- FinalistInnovator of the YearAustralian Accounting Awards
- SelectedInnovation SelectionSMART 100 IndexBCyber
- SelectedInnovation SelectionSMART 100 IndexMyMoney
- FinalistAccounting Innovator of the YearFintech Business AwardsLocal Knowledge
- FinalistFintech Start-Up BusinessFintech Business AwardsBCyber
- FinalistInnovator of the YearAustralian Accounting Awards
- FinalistInnovator of the YearAustralian Accounting Awards
- FinalistMarketing Program of the YearAustralian Accounting Awards
- FinalistProperty Specialist Accountant of the YearAustralian Accounting Awards
- FinalistNew Brokerage of the YearAustralian Mortgage AwardsDing Financial
- FinalistInnovator of the YearAustralian Accounting Awards
- FinalistMarketing Program of the YearAustralian Accounting Awards
- FinalistBest Use of AI in FintechThe 6th Annual Fintech Awards
- FinalistInnovator of the YearAustralian Accounting Awards
- FinalistMarketing Program of the YearAustralian Accounting Awards
- FinalistProperty Specialist Accountant of the YearAustralian Accounting Awards
- FinalistCommercial Broker of the YearOutsource Financial ORB AwardsJames Chee, Ding Financial
- FinalistMultiservice Firm of the YearAustralian Accounting Awards
- FinalistBusiness Advisory Firm of the YearAustralian Accounting Awards
- FinalistMarketing Program of the YearAustralian Accounting Awards
- RankedGovernance ExcellenceGovernance Top 100
- FinalistAI Innovator — Cyber SecurityAustralian AI Awards
- FinalistAI Innovator — Property InvestmentAustralian AI Awards
- FinalistBusiness Advisory Firm of the YearAustralian Accounting Awards
- FinalistMarketing Program of the YearAustralian Accounting Awards
- RankedGovernance ExcellenceGovernance Top 100
- FinalistAI Innovator — Cyber SecurityAustralian AI Awards
- FinalistAI Innovator — Property InvestmentAustralian AI Awards
- FinalistAI Innovator — HealthcareAustralian AI Awards
- FinalistAI Innovator — Real EstateAustralian AI Awards
- FinalistMultiservice Firm of the YearAustralian Accounting Awards
- FinalistMarketing Program of the YearAustralian Accounting Awards
- RankedGovernance ExcellenceGovernance Top 100
- FinalistInnovation in HealthcareAustralian AI Awards
- FinalistInnovation in Property InvestmentAustralian AI Awards
- FinalistInnovation in CybersecurityAustralian AI Awards
- FinalistInnovator of the YearAustralian Accounting Awards
- FinalistMultiservice Firm of the YearAustralian Accounting Awards
- FinalistGRC Provider of the YearAustralian Cyber Security AwardsBCyber
- FinalistCyber Professional of the Year — Professional ServicesAustralian Cyber Security Awards
Compound innovation is the story. Not one lucky year — recognised across nine award programs, five industries, and twelve consecutive years of building what matters. In 2026, named finalist in three cross-sector categories at the Australian AI Awards.