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SF Capital

SF Capital

5.0(196 reviews)See reviews ↓·Sydney

About the company

SF Capital is a finance and commercial brokerage based in Sydney with over a decade of experience in the finance industry. The firm specialises in self-employed lending and business finance.

It works with self-employed professionals, business owners, and entrepreneurs across industries including doctors, allied health, accountants, actuaries, consultants, finance professionals, lawyers, sales professionals, IT & SAAS, media & marketing, and start-up founders. SF Capital offers a Best Rate Guarantee and follows an 8-step process called Finance MADE EASY. Tommy Lim is associated with SF Capital. The firm serves clients Australia-wide.

What customers say

Based on genuine customer reviews

SF Capital draws consistent praise from clients who describe the finance brokerage as knowledgeable, professional and supportive across a range of lending needs. Several customers highlight the handling of home loans, noting that the team guided them from application through to settlement and kept them informed at each stage. Investment loans and SMSF lending also feature prominently, with reviewers repeatedly mentioning the complexity of their financial structures and the confidence they felt in the advice provided. Communication comes up often, described as proactive and responsive, with queries answered promptly and the process made transparent.

Priscilla, Tommy, Luke, Brij, Alex and Lucais are named individually for their patience, attentiveness and willingness to explain options in plain terms. A recurring theme is the sense of relief clients felt when the team managed correspondence with accountants and other parties on their behalf. Reviewers also mention negotiations that secured favourable rates when their own banks would not move. The result-focused approach, combined with a patient and educational manner, is what clients return to when describing their experiences of securing finance for property purchases.

Finance broker
SF Capital — Customer photo
SF Capital — Customer photo

Reviews

Reviews are taken from publicly available sources.

CW
Cindy Wei29 April 2026

The team at SF Capital are incredibly knowledgeable, professional and supportive. They were able to navigate complex financial structures, and offer excellent advice. Moreover, they were proactive in their communications and responsive to queries. I would highly recommend their services!

JH
Jonno Hill10 April 2026

Couldn’t speak more highly of the team at SF Capital. From the very beginning right through to settlement they were there every step of the way. Super supportive and knowledgeable. Highly recommend

DM
Dominic Michaelis18 March 2026

We had an outstanding experience working with Tommy Lim and Priscilla Tan at SF Capital, and honestly couldn’t recommend them more highly. What we thought might be a straightforward process turned into an 18-month journey to secure finance and purchase our home, but throughout that entire time, Tommy and Priscilla were nothing short of exceptional. Their depth of knowledge and attention to detail gave us complete confidence at every stage. No question was ever too small, and every scenario was carefully explained so we could make informed decisions. Their professionalism really stood out. Everything was handled with care, clarity and precision, and we always felt like we were in safe hands. Just as importantly, they were incredibly generous with their time, consistently making themselves available, following up proactively, and guiding us through each step without ever making us feel rushed. One of the biggest advantages of working with them was the suite of tools and resources they provided. From budgeting tools to borrowing calculators, they made it so much easier to understand what was realistic for us and how to structure things in the best possible way. Combined with access to a wide range of lenders, it felt like we had every option available, not just a one-size-fits-all solution. Buying a home can be stressful, but Tommy and Priscilla made the process feel structured, manageable and ultimately rewarding. We’re incredibly grateful for their support and expertise, and wouldn’t hesitate to recommend them to anyone looking for a broker who genuinely cares and goes above and beyond.

JB
Jordan Brownlow9 January 2026

Priscilla and the team were fantastic throughout the entire process. They were very educational and really helped guide us through to the best option, and assisted us until the very end.

RP
Roseline Pham27 September 2025

We recently received a home loan owing to the assistance and guidance of SF Capital. They're dynamic, competent, professional, and patient. Most importantly, they achieved the goal we wanted. We can't thank them enough for the results. In particular, Tommy, Priscilla, Alex and the other supporting members of the team. We can recommend them without hesitation. Toan

MC
Mimi Chan28 August 2025

The team at SF Capital are absolutely outstanding! From day one, they have been prompt, professional, and incredibly helpful with every mortgage-related inquiry. No issue is ever too big, and they always take the time to truly listen to our needs. A special call-out to Priscilla and Tommy, who have gone above and beyond to make the entire process of managing multiple investment loans seamless and stress-free. Their professionalism, attentiveness, and genuine care have been second to none. Every interaction with the team has been pleasant, thoughtful, and efficient, it’s clear they are dedicated to delivering the best possible outcome for their clients. We feel super grateful to have found SF Capital and are continually delighted with the level of service and expertise they provide. Highly recommend this amazing team!

PS
Priya Songappan23 July 2025

Tommy and his team assisted us with our SMSF loan and truly went above and beyond. They handled all communication with our accountant, leaving us with only a few tasks to take care of, which was a huge relief. Their advice was spot-on, the service was fantastic, and they were an absolute pleasure to work with. I highly recommend them to anyone looking for a great mortgage broker, especially busy business owners like us who always have a never-ending to-do list!

Finance & commercial brokers in Sydney compared

Ordered by rating, weighted by the number of reviews — businesses with only a handful of reviews do not jump to the top automatically. 12 businesses in this category in Sydney are compared.

RankProviderRatingReviewsOpen Sat.
1SF Capital (this page)★ 5,0196No
2Overdrive Commercial Funding | Truck, Vehicle & Machinery Finance | Business Loans★ 5,0107Yes
3Simplicity Loans & Advisory★ 5,042No
4Blue Crane Capital★ 5,0184No
5Zodiac Finance★ 5,087No
Contact
+61280041888www.sfcapital.com.auLevel 12/121 Castlereagh St, Sydney NSW 2000
Working hours
Monday09:00–18:00
Tuesday09:00–18:00
Wednesday09:00–18:00
Thursday09:00–18:00
Friday09:00–18:00
SaturdayClosed
SundayClosed