Commercial & Business Finance in Perth
Commercial and business finance covers the lending businesses use for anything beyond a standard home loan: buying an office, warehouse or retail premises, funding a fit-out or equipment purchase, financing a development, or smoothing out cash flow with a line of credit or trade finance facility. Perth has 264 brokers and firms listed in this category, ranging from specialists who only handle commercial property deals to generalists who mix business lending in alongside home loans.
Commercial finance works differently to a home loan. There's no standard rate card: pricing, loan-to-value ratios and terms are negotiated deal by deal, based on the property or asset, the strength of your financials, and how a lender views the risk. A broker's value here is knowing which lenders (bank and non-bank) will actually look at your deal, and structuring it so you're not caught out by shorter loan terms, balloon payments or tighter covenants than you expected.
What to look for in a commercial finance broker
- Relevant deal experience: someone who's arranged finance for your asset type and loan size, whether that's a small retail purchase or a multi-million dollar development.
- A wide lender panel, including non-bank and private lenders, since commercial deals get declined by the majors more often than home loans do.
- Upfront disclosure of how they're paid, whether that's lender commission, a broker fee, or both, and what happens if the deal doesn't settle.
- Straight answers on timing: commercial approvals can take weeks rather than days, and a broker who sets realistic expectations is worth more than one who overpromises.
Our ranked guide to commercial finance brokers in Perth shortlists the strongest options from the full list, scored on the factors above along with review history and responsiveness. The scoring approach is explained in full on our methodology page, so you can see exactly why each broker landed where it did.
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All commercial & business finance, ranked by score and relevance
We found 264 businesses offering commercial & business finance; 29 met the criteria for the scored directory. The order weighs each business's overall score by how much of its reviewed work is commercial & business finance, so a lower-scored specialist can rank above a higher-scored generalist. Filter and sort below, or open the full map view.
Enquiries you submit through our contact forms may be passed to partner providers who can complete the work, and we may receive a referral fee. Our rankings and scores come from our published scoring method only and are never affected by referral fees.
Common questions about commercial & business finance
- How much does a commercial finance broker cost?
- Most are paid a commission by the lender once the loan settles, so there's often no direct fee to you. For larger or more complex deals (developments, multi-property portfolios), some brokers charge an additional fee, commonly around 0.5% to 1% of the loan amount. Always ask upfront how a broker is paid before you commit.
- How often does a business actually need this kind of finance?
- It's not a one-off like a home loan. Businesses typically come back to commercial finance when they buy or upgrade premises, fund equipment, cover seasonal cash flow gaps, or refinance as the business grows or rates change. Many businesses work with the same broker repeatedly over years rather than just once.
- What should I expect during the process?
- Expect to provide financial statements, tax returns, a business plan or cash flow forecast, and details of the security being offered. Lenders assess the asset and your financials together rather than applying a fixed rate, so approval usually takes longer than a home loan, often several weeks for anything beyond a straightforward purchase.
- How do I judge whether a commercial finance broker is any good?
- Ask how many lenders they actually deal with and whether that includes non-banks, ask for examples of deals similar in size and type to yours, and check whether they stay involved after settlement if terms need renegotiating. A broker who can only quote major-bank products isn't much use if your deal doesn't fit their box.
Guides to choosing commercial & business finance
- Business and commercial loans in Perth: how they differ from a home loan
Why commercial and business finance is assessed and regulated differently from a residential home loan, and what that means for how you prepare.