Makfin
Commercial finance broker · Australia

Commercialfinancethatactuallymovesforward.

Independent commercial finance for business owners and property developers. I structure the deals that don't fit the standard bank model and present them the way lenders need to see them.

See how I work
20+
Years in commercial finance
100%
Independent, whole of market
1:1
Direct with Michal to settlement
0
Deals handed to junior staff
Michal K, commercial finance broker
Michal K
Ex-CBA business banker. Your broker for this deal.
Ex-CBA business banker
20+ years in commercial finance
Independent, whole of market
Adelaide, Australia wide
The problem

The bank stopped calling you back.

01

Your bank said no, and no one explained why.

A knockback usually isn't about the deal itself. It's about how the deal was presented. The same numbers, packaged for the right lender, can get a yes.

02

The bank said yes, but the terms don't make commercial sense.

An approval on punishing terms is not a win. Rate, structure and covenants matter as much as the answer, and all of them are negotiable with the right lender.

03

You know you need finance, but not where to start.

Growth, an acquisition, a development site, or ATO debt quietly closing doors you don't even know exist. The hardest part is often knowing which lender will look at it.

Michal K
Adelaide BankLondon · GFC eraCBA Business Banking
The guide

I've sat on the other side of the desk.

I started out at Adelaide Bank, then moved to London just as the GFC hit. I spent years working through the aftermath across regulatory supervision, private equity and construction finance, seeing first-hand what happens when lending goes wrong at scale.

Back in Adelaide, I spent the better part of a decade at CBA in business banking, looking after hospitality, retail, wholesale, property development, transport, medical and engineering clients at every stage of the business lifecycle.

More than two decades inside large institutions taught me one thing I couldn't ignore: the mission statement says the customer comes first, but quarterly targets drive the decisions. I started makFIN Capital to represent your interest, not the lender's.

What I finance

What I can finance for you.

Commercial property finance

Purchase, construction and investment lending secured by commercial real estate.

Business acquisition finance

Structure a deal to buy a business, including earn-outs and vendor finance.

Equipment and asset finance

Chattel mortgages, hire purchase and rental for machinery and vehicles.

Business overdraft

Flexible working capital facilities sized for your cash cycle, not the bank's template.

Trade finance

Import, export and supply-chain finance for businesses trading across borders.

Low doc commercial loan

For self-employed borrowers with strong equity but non-standard paperwork.

Commercial refinancing

Move to a better rate, extend term, or release equity against existing security.

Debt restructuring

Consolidate facilities and renegotiate terms when your current structure is hurting cash flow.

Commercial mortgage broker

End-to-end broking for your owner-occupied or investment property purchase.

The plan

How it works.

01

Free 30-minute consult.

You tell me what you're trying to fund. I'll tell you honestly whether it's financeable, and how.

02

I structure your deal.

I package the credit submission the way assessors want to read it, and present it to lenders who actually want your deal.

03

A clear answer, not a runaround.

You get a straight read on whether the deal is financeable and what the right structure looks like. I keep you posted at every step.

Industries

Industries I know inside out.

Hospitality Retail Wholesale Property development Transport Medical Engineering Manufacturing Professional services
Common questions

Answers to the things everyone asks.

Can't see your question? Ask it on the call, that's what the free consult is for.

For most deals, the lender pays the broker. If your deal is complex or falls outside standard commission structures, I'll agree a fee with you in writing before any work starts. No hidden fees, no pressure.
No. Mortgage and personal finance brokers do excellent work, but it's a different field. makFIN Capital works with business owners and property developers on commercial finance: growth funding, acquisitions, property development, debt restructuring and cash flow facilities. The deals that are complex, high-value, or simply don't fit the standard bank model.
There isn't a fixed range. I work on complex and high-value commercial finance: growth and working capital, equipment, business acquisitions, property development and debt restructuring. If the deal is genuinely commercial, it's worth a conversation.
Often, yes. A no from one lender usually isn't about the deal itself, it's about how the deal was packaged for that lender's credit appetite. I'll look at it fresh, tell you honestly whether it's financeable, and if it is, take it to the right desk.
It depends on the deal and the lender. Straightforward matters move quickly. For complex or time-sensitive transactions, like a settlement or a development drawdown, I'll tell you upfront what's realistic and keep you posted at every step.
To begin, two years of financials, year-to-date management accounts, an ATO portal extract, and a short written summary of what you're funding. I'll request the rest as the deal progresses.
I'm based in Adelaide but I work on deals across Australia, in other states and regional markets. Remote-first doesn't mean remote-feeling: you deal directly with me wherever your business is.
Yes. SMSF commercial (LRBA) lending has its own rules around bare trust structures, servicing and contributions. I'll work alongside your accountant to make sure the structure is right before we approach lenders.
Independent. Working inside a bank, the product range is fixed: you make the client fit what you have. With access to a broad panel of lenders, I can go to the market and find a solution that actually fits your situation. Your deal goes to the lender most likely to say yes on terms that genuinely make sense.
Message Michal

Prefer to write? I read every message myself.

If you'd rather send through the details before a call, drop a note here. I'll come back with an honest read on whether your deal is financeable, and what shape a good submission looks like.

michal.k@makfin.com.au0481 671 838
Adelaide, South Australia. Serving clients across Australia.

Your details go straight to Michal. No assistants, no call centres.

Let's talk

Ready to get a straight answer on your deal?

0481 671 838

michal.k@makfin.com.au  ·  Adelaide, South Australia· serving Australia

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