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Loan Size Specialisation

Commercial Loans $2M to $5M
- specialist lenders for this size

Name: Mortgagefy
Address: Sydney, NSW, AU
Telephone: +61432634648
Price range: Free

By the Mortgagefy Team · Credit Rep 532656 of ACL 348324 · Published 2026-10-15 · Last reviewed 2026-10-15

Commercial loans $2M-$5M - mid-market commercial finance with structured documentation. The lender who's right for a $100k loan is often wrong for a $5m one - and vice versa. We match the lender panel to the loan size.

Start Your Free Assessment 0432 634 648

Free Business & Commercial Assessment

Takes under 3 minutes. We'll match you with the right lender for your situation.

Who this is for

Business owners whose finance need sits in this specific loan-size range.

Loan need sits in this size range (per the title)
Established business trading 12+ months (unsecured) or 2+ years (secured)
Mix of secured and unsecured options available
Multi-entity structures supported
Prior ATO payment plans acceptable to specialist lenders
Previously declined by your main bank

The real challenge

Loan size matters more than most borrowers realise. The $2m-$5m range sits at the top of non-bank commercial sweet-spot and the bottom of mainstream bank commercial. Both lender groups are active; the right choice depends on the deal.

Secured against commercial or high-value residential property, typically 65-75% LVR. Documentation requirements step up at this size.

How Mortgagefy helps

Size-matched lender panel. We know which lenders specialise in this exact loan-size range.
What you can do: Secured $2m-$5m, structured documentation, 4-6 week decisions, both bank and non-bank options assessed.
Honest documentation expectations - what each lender needs for this loan size.
No broker fee - lender pays us at settlement.

Need to model repayments first? Try our Sydney home-loan calculators for an indicative figure.

How it works

Initial call

15-min scoping - amount, purpose, timing, security, trading.

Lender shortlist

2-3 lenders whose policy and sweet-spot loan size matches.

Submission

File prepared to each lender's documentation standard.

Settlement

Timing depends on secured vs unsecured and loan size.

Get a personalised answer in 2 minutes

Free, no obligation. We'll match you with the right lender for your situation.

Frequently asked questions

What's the smallest / largest I can borrow in this range?

The range in the title. If your actual need falls outside, we have other pages for each range - see Related guides below.

Do larger loans get better rates?

Generally yes - larger facilities attract tighter margins because fixed costs amortise over a bigger amount. But larger loans also have tighter policy - more documentation, slower approval, higher scrutiny of trading history.

How fast can approval come through?

Depends on size and security. Unsecured under $500k: 48-72 hours. Secured $500k-$2m: 2-4 weeks. Larger secured: 4-8 weeks.

Will I need personal guarantees?

Standard for business loans at all sizes. Larger facilities with strong serviceability can sometimes negotiate limited or capped guarantees.

What documents will I need?

Scales with size. Under $150k often credit-score only. Over $500k typically BAS + bank statements. Over $1m typically full financials + 2 years tax returns.

Do you charge a broker fee?

No. Lender pays our commission at settlement.

Get your free commercial loans $2m to $5m assessment

Specialist lenders for this exact loan-size range. We match the lender panel to the loan size, not the other way around.

Start Your Free Assessment Call 0432 634 648

Related guides

Business Loans Sydney

Unsecured, secured and multi-entity structures.

Low Doc Business Loan

BAS instead of two years of tax returns.

Short-Term Business Loan

3-12 month bridging when you need cash fast.

Working Capital Loan

Line of credit, invoice finance, overdraft.

Equipment Finance

Chattel mortgage for vehicles and plant.

Commercial Property Loans Sydney

Owner-occupied and investment commercial.

Information checked October 2026. This information is general in nature and does not take account of your personal objectives, financial situation or needs. Business, commercial and development finance eligibility, pricing and documentation varies by lender and changes frequently. Confirm current requirements with your chosen lender and seek professional advice before applying. Mortgagefy — Credit Representative 532656 of ACL 348324.

Commercial Loans $2M to $5M- specialist lenders for this size