Service
Commercial Finance
Term debt, acquisition lending and business finance, structured around how deals actually get approved, not just how they look on a serviceability calculator.
- Founded by two former bankers
- Commercial and business finance specialists
- Perth based, working Australia wide
- MFAA member
Your growth is our business
The decision to take on commercial debt is rarely just a financial one. Buying your first commercial property, funding a business acquisition, or securing the facility that lets you take on a major contract are the moments that shape what a business becomes. We want to be part of those moments, not just process the paperwork around them.
That means being genuinely invested in the outcome. We came out of major bank lending and corporate insolvency and restructuring before moving into finance broking, which means we have seen how credit decisions are made from the inside and we understand exactly how deals fall over when the structure does not hold. The real value is not just getting the application right. It is understanding where you are trying to go and making sure the structure you put in place today does not get in the way of what you want to do in three years.
Whether you're starting out, scaling up or making a move you've been planning for years, we're here to help you do it on the best possible terms.
What we can help with
If you are comparing finance brokers in Perth, the useful question is not who can lodge the form fastest. It is who can shape the credit case, choose the right lender and keep the structure useful after settlement.
- Commercial term debt for property purchase, refinance or equity release
- Owner-occupied and investment commercial property lending
- Acquisition finance for buying a business or buying out a partner
- Construction and development finance
- Facility consolidation and security restructuring
- Business overdrafts and revolving working capital facilities
- Trade finance and import/export facilities
- Debtor finance and invoice discounting
- Unsecured and partially secured business term loans
- SMSF lending for commercial property
Who we work with
Businesses at every stage, from pre-revenue startups with a clear plan and the right security to established operators making their next move. We work across most industries: construction, professional services, healthcare, retail, hospitality, trade, manufacturing and more. The short list of deals we can't help with is genuinely short: we won't act for businesses operating outside the law, and some highly speculative structures without a clear repayment pathway fall outside what any responsible lender will touch. Everything else is worth a conversation.
Why lender selection matters
Not every lender suits every deal. Appetite, policy, pricing and turnaround time all vary significantly, and submitting to the wrong one wastes time and can affect your credit position. Choosing the right lender before you submit is half the work, and it's work most borrowers have no visibility over.
The difference between lenders on a commercial deal is not just rate. Major banks assess commercial loans against internal credit policies that change without notice and are inconsistent across branches. Non-bank lenders move faster and take different security positions, but their covenants and exit terms need careful reading. Private lenders and specialist credit providers can do what the others won't, at a cost that needs to be built into the deal modelling from day one.
We assess lender fit before any submission goes out. That means understanding the deal's security profile, the borrower's trading history, the purpose of funds, and the intended hold period, then matching that against lenders who are actively writing that type of deal right now. Getting this right upfront is what prevents a declined application from following you around, and what keeps your options open when the structure needs to change down the track.
Frequently asked questions
What does a commercial finance broker do?
A commercial finance broker identifies the right lender and loan structure for a business transaction, then manages the application from credit preparation through to settlement. The broker works for you, not the lender, which means the advice is independent of which product gets chosen. For commercial deals, the structure matters as much as the rate. A good broker shapes the credit case before it goes anywhere near a lender.
How do commercial finance brokers get paid?
Commercial finance brokers are paid by the lender, not the borrower. The lender pays an upfront commission on settlement and in most cases a trailing commission over the life of the facility. You do not pay your broker. In some specialist or complex transactions such as private lending, mezzanine finance, or certain non-bank structures, a brokerage fee may apply, but this is agreed in writing before any work is done.
Are commercial finance brokers free to use?
In most cases, yes. Standard commercial lending, business loans, equipment finance and commercial property transactions do not cost you anything to broker. The lender builds broker remuneration into their cost of distribution. The exceptions are highly structured private transactions or complex restructuring work. We will always tell you upfront if a fee applies before we begin.
What types of businesses use a commercial finance broker?
Any business considering a transaction that involves a lender. That includes established operators buying commercial property or equipment, business owners funding an acquisition or management buyout, construction businesses managing progress draw facilities, healthcare and professional practices financing fit-outs or practice purchases, and property developers accessing construction and residual stock finance. The common thread is that the transaction is large enough and complex enough that lender selection, credit structuring and deal negotiation genuinely matter.
Get started
Want to talk it through?
Book a meeting or make an enquiry. We'll tell you whether it's fundable, how we'd structure it, and which lender we'd take it to. No obligation.