JD Financial delivers tailored commercial loan solutions to empower Australian businesses and investors. As your trusted commercial loan broker in Australia, our experts in Sydney and nationwide help you secure funding for property acquisitions, expansions, and developments. Explore our financing options, services, client stories, and FAQs below.
Commercial loans are a powerful engine for growth in Australia’s competitive commercial real estate and business landscape. Whether you’re acquiring office spaces, retail outlets, or industrial warehouses, JD Financial as a leading commercial loan broker in Australia crafts bespoke financing that maximises returns and minimises risks. Founded in July 2024 by Jacob Dolores, with over seven years of experience from Australia’s largest banks, JD Financial provides personalised strategies to navigate market fluctuations and regulatory hurdles. By unlocking competitive rates and flexible terms, you can scale operations, diversify assets, and drive profitability without tying up personal capital.
In an era of evolving tenant demands and economic shifts, the right commercial loan offers leverage for strategic investments while safeguarding against vacancies or rate hikes. At JD Financial, we demystify the complexities of Australia’s commercial sector—from high-street shops in Sydney to logistics hubs in Melbourne—ensuring your loans support cash flow, tax benefits, and long-term value creation. Our expertise as commercial loan brokers empowers you to capitalise on opportunities, from single-site purchases to portfolio expansions.
JD Financial provides comprehensive commercial loan solutions tailored to diverse property types and business objectives. Our financing covers a wide range of commercial assets essential for operational success and investment growth:
Secure funding for purchasing or refinancing CBD offices, shopping centres, or strip retail. Ideal for investors seeking stable lease income, these loans accommodate tenant fit-outs and yield-focused structures.
Secure funding for purchasing or refinancing CBD offices, shopping centres, or strip retail. Ideal for investors seeking stable lease income, these loans accommodate tenant fit-outs and yield-focused structures.
Finance logistics hubs, manufacturing facilities, or distribution centres. We support large-scale assets with terms suited to long-term industrial tenancies and e-commerce-driven demand.
Finance logistics hubs, manufacturing facilities, or distribution centres. We support large-scale assets with terms suited to long-term industrial tenancies and e-commerce-driven demand.
Fund hotels, restaurants, or gyms with specialised loans covering FF&E (furniture, fixtures, and equipment). These commercial loan broker solutions in Australia address seasonal cash flows and licensing requirements.
Fund hotels, restaurants, or gyms with specialised loans covering FF&E (furniture, fixtures, and equipment). These commercial loan broker solutions in Australia address seasonal cash flows and licensing requirements.
Back hybrid projects combining residential, retail, and office elements. Perfect for urban revitalisation, with staged financing for phased completions.
Back hybrid projects combining residential, retail, and office elements. Perfect for urban revitalisation, with staged financing for phased completions.
Our expertise spans commercial real estate across Australia, ensuring alignment with zoning laws, environmental standards, and market valuations. By offering financing for both core holdings and value-add opportunities, we provide flexibility for SMEs, developers, and institutional investors.
At JD Financial, we believe that financing should be as unique as your commercial venture. As your commercial loan broker in Australia, we collaborate closely to design solutions that align with your asset performance, tenant profiles, and strategic goals. We offer a range of structures, including:
Fixed or variable-rate funding over 5-25 years, ideal for stable acquisitions. Features include interest-only periods to match lease expiries and principal reductions post-refurbishment.
Fixed or variable-rate funding over 5-25 years, ideal for stable acquisitions. Features include interest-only periods to match lease expiries and principal reductions post-refurbishment.
Asset-backed mortgages with redraw and offset options for equity management. Suited for refinances, allowing you to release capital for reinvestment.
Asset-backed mortgages with redraw and offset options for equity management. Suited for refinances, allowing you to release capital for reinvestment.
Staged advances for ground-up builds or major redevelopments, verified by valuers. These include contingency buffers and convert to investment loans upon completion.
Staged advances for ground-up builds or major redevelopments, verified by valuers. These include contingency buffers and convert to investment loans upon completion.
Short-term solutions to gap funding needs, blending senior debt with equity-like terms. Perfect for opportunistic buys or stabilising underperforming assets.
Short-term solutions to gap funding needs, blending senior debt with equity-like terms. Perfect for opportunistic buys or stabilising underperforming assets.
We finance single assets or portfolios, whether acquired via auction or negotiation. To suit your revenue cycles, we incorporate flexible repayments like stepped payments or balloon finals, ensuring your commercial loans harmonise with occupancy rates and exit strategies.
JD Financial, founded by Jacob Dolores, combines deep industry expertise with a client-centric approach. With over seven years of experience in sales, credit, and settlement roles at Australia’s largest banks, Jacob has built a reputation for navigating complex financing scenarios. Our team as commercial loan brokers in Australia is committed to delivering tailored solutions that drive results, whether you’re acquiring a flagship property or optimising a diverse portfolio.
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Commercial loans provide funding for business-related property purchases, developments, or refinances, secured against the asset itself. They’re designed for income-generating properties with terms reflecting their yield potential.
Approval times vary based on the asset complexity and lender requirements. Straightforward refinances can approve in weeks, while developments may take 4-6 weeks. We streamline the process to ensure efficiency.
Usually 60-75%, depending on the property type and tenant quality. Strong covenants can push to 80%; we negotiate the best LVR for your scenario.
Yes, we handle specialised properties like childcare centres or self-storage, accessing niche lenders for optimal terms.
Our access to a wide lender panel, combined with our expertise and personalised service, ensures competitive rates and a hassle-free process. We manage valuations, negotiations, and compliance to save you time and effort.
Absolutely—often up to 5-10 years, ideal for stabilising new acquisitions. We structure to transition seamlessly as cash flows mature.
Our team prioritises efficiency and transparency, using secure document collection, coordinating with valuers and solicitors, and maintaining open communication throughout. We aim to make financing as seamless as possible.
As your premier commercial loan broker in Australia, JD Financial equips you with the funding to seize property opportunities and expand your empire. Whether acquiring prime retail or developing industrial space, request your free, no-obligation quote today and discover how we can tailor a solution to elevate your investments.
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