Business Loans Perth
Running a Perth business brings constant decisions — stock, staff, premises, growth. We help you compare lenders and structures so the finance side supports your strategy rather than constraining it.
Working capital
Lines of credit, overdrafts and short-term loans to smooth cash flow.
Commercial property
Buy your own premises or expand your portfolio with commercial lending.
Growth & expansion
Fund new locations, acquisitions, or major equipment upgrades.
Secured vs unsecured business loans
Secured loans (against property, equipment or a business asset) typically offer lower rates and longer terms. Unsecured facilities are faster but carry higher rates and shorter terms. We'll map your options based on available security and urgency.
Cash flow finance
Invoice finance, trade finance and overdrafts can bridge the gap between paying suppliers and getting paid by customers — particularly useful for seasonal businesses or those with long payment cycles.
Commercial property loans
Owner-occupied and investor commercial lending is structured differently to residential. LVRs are usually lower and rates sit above residential rates, but there are tax and strategic benefits to owning the premises your business operates from.
What lenders look at
Business financials (typically 2 years), recent BAS, ATO position, trading history, security available, and the purpose of the funding. We help you present a clean package that improves approval odds and pricing.
FAQs
How fast can I get a business loan?
Unsecured online lenders can fund in 24–72 hours. Secured bank facilities typically take 2–6 weeks. Speed often comes at a price — we'll help you weigh the trade-off.
Do I need to use my home as security?
Not always. Many business loans are secured by business assets, debtor books or are unsecured. Using your home is one option, not a requirement.
Can a new business get finance?
Some lenders cater to newer businesses, though pricing and terms are tighter. A strong business plan and director's personal position help.
Explore other services
Ready to talk about your next home loan?
Free, no-obligation chat with Hoshang. We'll map out your options in 20 minutes.