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Monday 9am - 7pm Tuesday 9am - 7pm Wednesday 9am - 7pm Thursday 9am - 7pm Friday 9am - 7pm

SFE Loans

Trusted Melbourne based Broker with a personal touch. SFE Loans will find the best loan for you while helping to plan for your financial future.

Commercial & Business Finance, Done Properly

SFE Loans is a Commercial Lending Practice with a strategic edge. With 23+ years in the finance industry and access to 30+ lenders, Sarah works with Commercial Property Investors and Business Owners who want clarity, structure and long-term outcomes from their lending decisions. We specialise in commercial lending for:
• Commercial property investors,

including Self Employed, PAYG and passive income earners
• Business owners seeking growth, working capital or asset finance
• Borrowers who understand that loan structure affects future opportunity
• Investors keen to explore SMSF Funding

We don't chase the lowest rate and for us, it's not about selling products. It’s about structuring finance that supports what you’re building next, whether that’s acquiring commercial property, refinancing existing assets, or funding expansion. We explain commercial lending in plain English, so you understand not just what you’re signing, but how it impacts your borrowing capacity, cash flow and options down the track. Our services include:
• Commercial property finance
• Business loans and working capital
• Asset and equipment finance
• Commercial development lending
• SMSF Commercial Lending

Clients work with SFE Loans from all over Australia, with conversations handled remotely and efficiently. We do sometimes charge a fee, and we're really transparent about that- we are a Lending Specialist and you certainly get the quality you pay for. If you’re looking for commercial finance that’s considered, strategic and aligned to your long-term goals, get in touch.

👉 www.sfeloans.com.au

Sarah Eifermann (Credit Representative Number 399742) and SFE Enterprises (Credit Representative Number 500824) are Credit Representatives of Astute Financial Management Pty Ltd (Australian Credit Licence No. 364 253)

27/08/2026

Cashflow problems rarely arrive all at once. They tend to appear as a series of small signals that are easy to explain away individually. Debtors take a little longer to pay, a facility remains fully drawn for longer than usual, supplier payments get pushed back and margins tighten. None of those signals automatically indicate a problem. However together, they tell a story worth paying attention to because small cashflow issues have a habit of becoming larger ones when ignored for too long.

23/08/2026

The business was performing well, trading history was strong and the balance sheet stacked up. The issue wasn't even the business, it was timing. A major contract was about to settle and cashflow was about to improve, however the application arrived before that story could be demonstrated on paper. Thirty days later the conversation looked completely different. Timing influences more lending outcomes than most people realise because lenders can only assess what they can see at the time. It's worth a conversation with us first, always.

20/08/2026

Owning the premises your business operates from can create opportunities that extend well beyond having a roof over your head. Commercial property can become a long-term business asset, a wealth creation strategy and a funding tool for future growth.

The right structure, including SMSF (which is currently exempt from proposed Negative Gearing changes in the 2026 Federal Budget), from the beginning matters because commercial property is often one of the largest financial decisions a business owner will ever make.

17/08/2026

Rate gets the attention because it's easy to compare. Structure however, takes longer to understand, which is often why it gets overlooked. Security requirements, repayment flexibility, future borrowing capacity and facility purpose can all influence whether a loan remains suitable in two, five or ten years' time. The lowest rate may be the best option but it may not be.

The important thing is understanding the difference before signing the paperwork.

12/08/2026

Business owners spend a lot of time looking for ways to increase revenue. Yet far less time is usually spent reviewing where money is already leaving the business. Utilities, insurance, internet, merchant facilities and subscriptions often increase gradually over time, which means they rarely attract attention.

The irony is that many businesses work incredibly hard to earn additional revenue while simultaneously overlooking savings opportunities that already exist. Improving profitability isn't always about making more money. Sometimes it's about keeping more of what you've already earned.

09/08/2026

Future borrowing capacity is influenced by present behaviour.

Lenders aren't simply assessing the application sitting in front of them. They're also assessing how existing facilities have been managed, whether repayments have been maintained and how the business has behaved over time. Those seemingly small decisions create behavioural patterns that lenders use to assess risk, often long before a new application is submitted. The application introduces the business and your history provides the context.

07/08/2026

Experience isn't measured by the number of years on a website bio. Experience shows up in the patterns you recognise and the questions you ask. After enough funding applications, lender meetings and client conversations, certain themes appear repeatedly. The businesses that achieve the best outcomes are rarely the ones with perfect financials. They're usually the ones that understand their numbers, make decisions early and remain proactive when circumstances change.

03/08/2026

The client arrived wanting additional funding because cashflow felt tight and the assumption was that more money would solve the problem. After reviewing the position, it became clear the issue wasn't the debt level at all. The structure had been designed for a version of the business that no longer existed. A Helix Planning Business Audit completely changed the business outlook for this customer and improved monthly cashflow without increasing the overall debt position. Sometimes the answer is more funding but often the answer is a better structure.

Check out Helix Planning's offerings today. It could be just what you are needing https://www.helixplan.com.au/

22/07/2026

Most businesses focus on obtaining finance. Far fewer spend time considering what happens after the approval. The structure chosen today can influence future borrowing capacity, available security, cashflow flexibility and even the ability to move lenders later. An approval solves today's problem. A well-structured facility should still be helping the business three, five or even ten years from now. That's why the conversation should never stop at "Can we get approved?" The better question is usually "What does this look like in five years?"

16/07/2026

The phone call often starts the same way. "We've got a bit of a problem!" Cashflow has tightened, a BAS has fallen behind, an overdraft has become a permanent fixture or growth has consumed more working capital than expected. This is a really common issue that Sarah sees. Importantly, the signs were usually there months earlier. Three months ago there may have been ten possible solutions. Today there may be two.

Timing influences lending outcomes far more than most people realise, which is why seeking advice early almost always creates more options.

Address

PO Box 227
Maclean, NSW
2463

Opening Hours

Monday	9am - 7pm
Tuesday	9am - 7pm
Wednesday	9am - 7pm
Thursday	9am - 7pm
Friday	9am - 7pm

Telephone

+61421079415

Website

http://www.sfeloans.com.au/

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