Speak to a Broker Now — 0432 634 648· Mon–Sat 9am–7pm

Family Trust · Unit Trust · Hybrid Trust

Business Loan for
Trust Structure

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

Trading through a trust? We structure the facility around the trust deed, trustee company and beneficiary guarantees so the lender approves cleanly.

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 trading entity is a discretionary (family) trust, unit trust or hybrid trust - with corporate trustee.

Discretionary (family) trust with corporate trustee
Unit trust with multiple unit holders
Hybrid trust combining discretionary and unit features
Trust holding the trading business + separate asset trust
SMSF-adjacent structures (trust owns business, SMSF owns premises)
Multiple related trusts across family group

The real challenge

Trust-held businesses are common in Australia but trip up mainstream lenders. The lender has to understand the trust deed, confirm the trustee company has power to borrow, identify the beneficiaries at risk and get their guarantees, and work through how distributions affect serviceability.

Specialist alt-doc commercial lenders handle this routinely. We make sure the structure is documented properly before submission so there's no last-minute surprise.

How Mortgagefy helps

Trust-aware lender panel. We know which lenders handle trust borrowing well and which don't.
Deed review coordination with your trust solicitor so the trustee has borrowing power.
Beneficiary guarantee structuring - who signs, in what capacity, how much.
Distribution serviceability - how trust distributions are treated by each lender.

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

How it works

Structure mapping

Trust deed, trustee company, beneficiaries, distribution history reviewed.

Lender shortlist

2-3 trust-friendly lenders matched to the deal size and purpose.

Documentation

Trust deed, corporate trustee ASIC extract, beneficiary IDs, 2 years trust tax returns, personal tax returns of guarantors.

Settlement

Normal commercial timing (2-8 weeks depending on size and security).

Get a personalised answer in 2 minutes

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

Frequently asked questions

Can a trust borrow money?

Yes if the trust deed grants the trustee borrowing power (most modern deeds do). Trustee company borrows in its capacity as trustee of the trust - borrowing sits in the trust not with the trustee personally.

Who gives personal guarantees?

The directors of the trustee company, and often the primary beneficiaries. Guarantor identity and liability caps depend on each lender's policy and the deal size.

How are trust distributions treated for serviceability?

Lenders assess distributions to the guarantors personally over 2+ years of history. Lumpy distributions get averaged; consistent distributions count as personal income for guarantor serviceability.

Can my family trust borrow to buy commercial property?

Yes - very common structure. Trust borrows, lender takes mortgage over the property, trust rents the property to a related trading entity at arm's-length market rent.

Does hybrid trust borrowing cost more?

Not typically - the deed structure doesn't affect pricing much. The underlying serviceability and security determine the rate.

What if my trust deed doesn't allow borrowing?

The deed can be varied (amendment or deed of variation) by your trust solicitor to grant borrowing power. Common and routine - takes 1-2 weeks.

Get your free trust-structure business loan assessment

Trust-aware lender panel. Deed review and guarantor structuring handled with your advisors.

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.

Business Loan forTrust Structure