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Stargaze Commercial Finance
Assess my scenario

Commercial Finance consultants · Business purpose only

Structured with speed, clarity and confidence.
Usually the same day.

Stargaze Commercial Finance helps Australian business owners, developers and investors access tailored funding solutions across business loans, private lending, commercial property, asset finance and complex transactions.

Assess my scenarioor call +61 410 938 585
  • Business purpose only
  • Bank, non-bank and private funders
  • Scenarios assessed same day
  • Australia-wide

What we do

One point of contact, across the whole market.

Most businesses need more than one of these over time, and the right structure often combines two. We work across all of them and are not tied to any one funder, so the recommendation is shaped by the transaction rather than by what we happen to sell.

How it works

No surprises, and an answer early.

The most expensive thing in Commercial Finance is a deal that spends three weeks with the wrong funder before anyone says no. Our process is built to find that out on day one.

  1. 01

    Send us the scenario

    A paragraph is enough. What the money is for, roughly how much, and what security exists. No forms to complete before we've spoken.

  2. 02

    We tell you straight

    Usually the same day: whether it's fundable, which funders suit it, what it will cost, and what we'll need from you. Including when the answer is no.

  3. 03

    We structure and submit

    We package the deal the way the chosen funder's credit team wants to see it, with the weaknesses addressed up front rather than discovered later.

  4. 04

    Through to settlement

    We manage conditions, valuations and documents, and keep you and your accountant updated without being chased.

Deal notes

Deals we've structured.

Anonymised summaries — what made each deal hard, and how it was solved.

All deal notes

  • 30 Years — P&I First Registered Mortgage

    Property-backed commercial borrower

    The client had been relying on a private interest-only facility. It had served its purpose, but the balance was never reducing — every year simply rolled the same debt forward. We arranged a 30-year principal-and-interest facility at a materially lower rate, so the debt finally began to pay down rather than perpetually refinance. The structure also leaves a clear path to mainstream bank finance as their position strengthens.

    Outcome

    Out of short-term private debt, onto a reducing balance

  • $12.5M — Second Registered Mortgage

    Commercial property investor

    A substantial second mortgage where the underlying commercial lease was approaching expiry — the kind of tenancy risk that usually stops a funder at the first conversation. Additional corporate support was structured into the transaction without taking mortgage security over the supporting entity's own properties, which gave the funder enough comfort to proceed without over-encumbering the borrower's wider portfolio.

    Outcome

    Funded despite an expiring lease

  • $1M — 5 Year Business Overdraft

    NDIS operator, expanding

    An expanding NDIS provider needed working capital to build out an executive team, open a second office, and carry rising payroll and superannuation obligations ahead of the revenue that would fund them. Structured as a five-year facility secured by a second mortgage, so growth was not throttled by the timing mismatch between hiring and cashflow.

    Outcome

    Secured by second mortgage

Tell us the scenario. We’ll tell you if it flies.

We respond within one business hour, 8am–6pm ACST. If it isn’t fundable, we’ll say so and tell you what would need to change.

Assess my scenarioCall +61 410 938 585