Best commercial & business finance specialists in Perth
This list ranks Perth firms and brokers for whom commercial and business finance, lending structures, refinancing and business-facing advisory work is the core of what they do, not a side offering. Scores come from our methodology, which weighs rating, review volume, recency and sentiment together.
Looking for a straight home loan broker instead? Our separate list of the best mortgage broker overall in Perth covers that ground. Several names below also do home lending, but they're ranked here for their business and commercial finance work specifically.
Picks are ranked by score and relevance to commercial & business finance, so a lower overall score can rank higher here.
At a glance
| # | Business | Score | Rating | From | Best for |
|---|---|---|---|---|---|
| 1 | FQ Finance | 94 | 5 (153) | — | Complex loan structuring & broker rescues |
| 2 | The Finance Agency | 90 | 5 (61) | — | Multi-loan business & asset finance packages |
| 3 | LnL Finance | 90 | 5 (70) | — | Fast approvals on refinances |
| 4 | iSecure Loans | 86 | 5 (20) | — | Overseas relocation & long-settlement refinancing |
| 5 | Encharge Capital | 80 | 4.8 (23) | — | Equipment finance & investment lending |
| 6 | Viridian | 83 | 5 (11) | — | Jargon-free guidance on tricky cases |
| 7 | WA Finance Services | 78 | 5 (8) | — | Hands-on first-home buyer paperwork support |
| 8 | Lets Finance | 70 | 4.1 (58) | — | Difficult lending cases, if paired with the right broker |
| 9 | Fundd | 74 | 5 (3) | — | Small-scale, personal mortgage help |
| 10 | Accord Accountants & Advisors | 73 | 4.9 (12) | — | Strategic tax advice beyond compliance |
Ranked picks
FQ Finance
Why it ranks first
A perfect 5.0 from 153 reviews, the largest and highest-scoring pool on this list, built on named brokers (Todd Saville, Dylan Donoghue, Mihir, Tatenda Maradzika) who break down complicated loan structures into plain terms. Several clients specifically came from brokers who'd left them stranded, and FQ Finance stepped in mid-process and still delivered post-settlement rate reductions.
Pros
- Named brokers you deal with throughout, not a call centre
- Track record of rescuing deals other brokers dropped
- Arranges post-settlement valuations and repricing
- Complex structures explained in plain language
Services: commercial finance, self employed finance, construction loans, first home buyer
The Finance Agency
Why it ranks second
With 61 reviews all five-star and 30 years operating in Perth under ACL 385512, this team handles multi-loan business and asset packages alongside standard purchases without cutting corners. Paula, Mikayla, Josh, Hanif, Cris, Garry and Kyle all get named for staying in contact through tight timeframes and messy paperwork.
Pros
- 30 years trading in Perth under an ACL
- Named brokers handle deals personally end to end
- Comfortable combining business and asset finance in one package
- Fast approvals with frequent client updates
Services: first home buyer, mortgage broker, refinancing, investment property finance
LnL Finance
Why it ranks third
Leandro's team has kept a 5.0 average across 70 reviews spanning seven years, with clients repeatedly noting approvals and settlements that beat other brokers' timelines. Reviews cover first-home buyers through to investment refinances handled out of Joondalup.
Pros
- Leandro and Leanne named directly, over 7 years trading
- Approvals and settlements reported as unusually quick
- Handles complex refinances and finds savings clients missed
- Patient with first-home buyer questions
Watch out: Confidence is medium rather than high; the pattern is strong but the review base is smaller than the top two picks.
Services: first home buyer, self employed finance, mortgage broker, commercial finance
iSecure Loans
Why it ranks fourth
Dau Pham holds a perfect 5.0 across 20 reviews, with clients specifically calling out patience on overseas relocations and long, complicated settlement timelines. Several reviewers describe years-long relationships and Dau proactively revisiting their rate rather than waiting to be asked.
Pros
- Detail-focused, patient advice from a named broker
- Handles overseas relocation and long settlement cases
- Proactive rate reviews, not just at settlement
- Long-term repeat clients
Watch out: The 20-review base is smaller than the top-ranked firms, so treat the pattern as solid but not yet large-scale.
Services: first home buyer, mortgage broker, commercial finance, refinancing
Encharge Capital
Why it ranks fifth
Ross's team pairs equipment finance with investment property and refinancing work, backed by 15+ years' experience and MFAA membership. Reviewers across 23 ratings describe approvals in weeks rather than months and weekend meetings when a client's schedule demanded it.
Pros
- Fast turnaround, often weeks rather than months
- Explains options clearly to first-time buyers
- Meets outside standard hours when needed
- Monitors rates proactively after settlement
Watch out: One unexplained one-star review sits among 22 strongly positive ratings.
Services: first home buyer, investment property finance, commercial finance, car personal finance
Viridian
Why it ranks sixth
Adele Denham and Robbie Guthrie hold a clean 5.0 across all 11 reviews, with clients specifically praising calm, jargon-free explanations and willingness to work with interstate borrowers on complicated files. Every review on record is five-star.
Pros
- Named brokers known for accessibility and clarity
- Handles complex and interstate finance cases
- All reviews five-star to date
- Proactive follow-up through the process
Watch out: Only 11 reviews recorded, so the sample is small even though every one is positive.
Services: first home buyer, mortgage broker, commercial finance, car personal finance
WA Finance Services
Why it ranks seventh
Michael Chau's team has an 8-review, all-five-star record with clients returning across a decade, praising availability outside standard business hours and thorough handling of paperwork end to end.
Pros
- Michael Chau leads the team personally
- Handles complex paperwork from start to finish
Watch out: Only 8 reviews on file, the smallest sample among the higher-ranked picks.
Services: first home buyer, investment property finance, commercial finance, car personal finance
Lets Finance
Why it ranks eighth
Adam Austin and Donna-Marie earn genuine praise for securing home loans in hard cases and communicating clearly, but the 4.1 average across 58 reviews reflects a real split: other clients report being ignored for months or having applications dropped without explanation.
Pros
- Named brokers go above and beyond when actively engaged
- Willing to take on complex or difficult lending situations
- Admin team singled out for support in positive reviews
Watch out: Consistent complaints over several years cite ghosting, admin errors and unexplained changes in eligibility; outcomes seem to depend heavily on which broker picks up your file.
Services: investment property finance, commercial finance, first home buyer, mortgage broker
Fundd
Why it ranks ninth
Ross and the team get uniformly positive marks from a small base of 3 reviews, with clients noting quick replies and problem-solving on tricky cases even during the owner's time off.
Pros
- Personal attention from named brokers
- Handles complex situations without passing clients off
Watch out: Only 3 reviews on record, so this is an encouraging but largely untested pick.
Services: first home buyer, mortgage broker, refinancing, investment property finance
Accord Accountants & Advisors
Why it ranks tenth
Josh Tilley and David are named repeatedly for moving past basic tax compliance into genuine strategic advice, helping clients minimise liabilities and see their finances as a whole picture, across a 12-review, 4.9-average record.
Pros
- Strategic tax and wealth advice, not just compliance
- Named staff consistently praised by clients
- Responsive on urgent issues and business setup needs
Watch out: Review volume is modest (12) and the recency sub-score is lower than most others on this list.
Services: first home buyer, mortgage broker, commercial finance
How these rankings are worked out
| Signal | Weight |
|---|---|
| Review sentiment | 28% |
| Google rating | 26% |
| Review volume | 20% |
| Profile completeness | 16% |
| Review recency | 10% |
Ranking data checked 2026-09-26 · Full methodology ›
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Guides before you choose
- 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.