Commercial & Development Finance
Funding for commercial property, development and investment — structured around your project and the people behind it.
Commercial finance is rarely straightforward. Every deal has its own structure, timeline and stakeholders, and the right funding depends on getting those details right. At Circa Finance, this is the work we know best, from a single commercial purchase through to a multi-stage development, and we manage the complexity so you can stay focused on the project.
With a wide panel of lenders behind us, we look beyond the major banks to find funding that genuinely suits the deal, then structure and manage it through to settlement.
Led by Founding Director Kim Cunningham, Circa brings more than 25 years of experience across commercial property, development and investment — the areas where structure and detail matter most.
Commercial specialists
Multi-stage developments, multiple stakeholders, tight timelines. We structure funding to fit the project and coordinate the moving parts through to settlement — on projects across Newcastle and beyond.
Built for complex deals
How We Can Help
Commercial property
Purchasing, refinancing or releasing equity across office, retail, industrial and mixed-use property — structured to suit the asset and your plans for it.
Development & construction finance
Funding staged across the life of a project, from land acquisition through to completion. This is our specialty, and where our experience with complex, multi-party deals counts most.
Investment lending
Finance to build and manage a commercial or residential investment portfolio, with a structure that supports your longer-term goals.
How We Can Help
FAQs
Do you work with lenders beyond the major banks?
Yes. We compare a wide panel of lenders, including options beyond the major banks. Commercial deals often don't fit a standard bank product, so a broader range of lenders means we can match the funding to your project rather than the other way around.
Can you handle complex or multi-stage development deals?
Yes — development and construction finance is our specialty. We structure funding across the stages of a project, from land acquisition through to completion, and we're comfortable coordinating deals that involve multiple stakeholders.
Will I be working with a specialist or a generalist?
A specialist. Circa is led by Kim Cunningham, who specialises in commercial property, development and investment finance — so you're dealing with someone who knows this area well, not a generalist learning as they go.
Do you only work with clients in Newcastle?
No. We're Newcastle-based, which gives us strong local knowledge, but we have the reach to work on projects across Newcastle and beyond.
Testimonials
I couldn't recommend Kim and Georgia highly enough — an absolute powerhouse team who know how to get things done. They worked with me to refinance my mortgage, kept me informed every step of the way, and worked incredibly hard to achieve a fantastic result. If you're looking for a finance team that gets results, Kim and Georgia are your girls.
Nic Minter, Soqual Creative Agency
Working with Kim and Circa Finance to arrange finance for our company vehicle was a genuinely positive experience. She was professional, approachable, and took the time to understand exactly what we needed, guiding us through the process with ease. Thanks to her support, we secured a competitive solution that suited our business perfectly.
Tess Andoni, Revive Building Project Management
We worked with Kim and Georgia to secure finance for a development site — a complex deal involving multiple stakeholders — and they made the entire process feel seamless. Their communication and ability to navigate the complexities were exceptional, and we couldn't be happier with the outcome. A fantastic team who genuinely know how to get things done.
Kyle Bishop, Bishop & Hart
Contact Our Team
Book your complimentary initial consultation with Circa Finance today.
