Commercial & Business Finance in Perth
Commercial and business finance in Perth
Commercial finance covers loans for business purposes: buying an office, warehouse or retail premises, refinancing an investment property, funding equipment or vehicles, and working capital such as overdrafts and invoice finance. Perth brokers in this category compare lenders across banks, non-bank lenders and private funders, then handle the application for you.
Lending rules here differ from home loans. Lenders look hard at business cash flow, financials, the property type and your deposit, which is often 20 to 40 percent. Look for a broker who asks about your accounts early, explains the trade-off between rate, fees and loan terms, and can name lenders they actually place deals with. Experience with your asset type, whether industrial in Welshpool or Malaga or a medical suite in Subiaco, counts for a lot.
With 308 businesses listed, our scoring helps narrow the field. See the ranked commercial finance guide for top-rated options, and read our methodology to see what we measure and how.
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All commercial & business finance, ranked by score and relevance
We found 299 businesses offering commercial & business finance; 22 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.
Quote and contact requests you submit through our forms may be passed to one or more partner providers who can carry out the work, and we may receive a fee for those referrals. Rankings and scores are not influenced by referral fees and remain separate from our independent, published scoring method.
Common questions about commercial & business finance
- How much does a commercial finance broker cost?
- Many brokers are paid by the lender through commission, so you may pay nothing upfront. For complex or private deals, some charge a fee, often a percentage of the loan or a fixed amount. Ask for this in writing before you proceed.
- How long does commercial loan approval take?
- Simple equipment or vehicle finance can be approved in days. Commercial property loans usually take several weeks, because of valuations, financial checks and legal work.
- What documents will I need?
- Expect to provide recent tax returns and financial statements, BAS, bank statements, asset and liability details, and information on the property or asset. Low-doc options exist but usually cost more.
- How do I judge a good commercial broker?
- Check they are licensed or an authorised credit representative, ask which lenders they use, and confirm they explain fees and commission. Good brokers compare options clearly and set realistic timeframes.
Guides to choosing commercial & business finance
- Commercial loan vs home loan: the key differences for Perth borrowers
Business loans sit outside the National Credit Code, cost more (7.44% vs 6.24% on new loans, RBA July 2026) and need a bigger deposit. What changes and why.