Commercial & Business Finance in Perth
Commercial and business finance covers a wider range of lending than a standard home loan: purchasing or refinancing a commercial property, funding equipment and vehicles, arranging working capital or lines of credit, and structuring loans for property developments or business acquisitions. Brokers in this space deal with banks and non-bank lenders that assess risk differently to residential lenders, often weighing business financials, cash flow forecasts, and the security property's use as much as the borrower's personal income. We've listed 155 businesses in Perth offering this kind of finance, ranging from brokers who specialise in a single niche like equipment finance to firms handling everything from SMSF commercial loans to large-scale development funding.
When choosing a broker, look for someone who actually works with your type of finance regularly, not just as an occasional sideline to residential lending. Ask how many lenders they have on their panel, whether they've placed deals like yours before, and how they explain fees (some commercial deals involve broker fees paid by the borrower, on top of any lender commission). A good broker will walk you through loan structure, LVR limits, and likely turnaround times before you apply, not after.
Our ranking looks at the factors that matter most for this kind of lending: lender panel breadth, relevant experience, responsiveness, and verified client feedback. See the full breakdown in our methodology, or jump straight to the ranked guide to Perth's best commercial finance brokers.
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All commercial & business finance, ranked by score and relevance
We found 155 businesses offering commercial & business finance; 24 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.
When you submit an enquiry through our forms, it may be shared with partner providers who can do the work, and we may receive a referral fee. Our rankings and scores come from our published method only, separate from any referral fees.
Common questions about commercial & business finance
- How much does a commercial finance broker cost in Perth?
- Many brokers are paid a commission by the lender, similar to residential mortgage broking, so there's no direct cost to you. However, some commercial deals (especially complex ones like development finance or business acquisition loans) involve an upfront broker fee or success fee paid by the borrower, often because the lender commission alone doesn't cover the work involved. Always ask for this in writing before you proceed.
- How often do businesses need this kind of finance?
- It varies a lot by business type. A growing business might refinance or seek new equipment finance every few years as assets age or turnover grows, while a one-off commercial property purchase or business acquisition might be a single transaction. Businesses with development or investment property portfolios tend to be repeat borrowers, often revisiting finance structures as projects complete or interest rates shift.
- What should I expect during the process?
- Expect to provide more documentation than for a home loan: business financials, tax returns, cash flow projections, and sometimes a business plan for new ventures. A broker will typically assess your borrowing capacity and shortlist lenders before submitting an application, then manage valuations, conditions, and settlement. Timeframes can run from a few weeks for straightforward deals to several months for complex commercial or development finance.
- How do I judge whether a commercial finance broker is any good?
- Check how many lenders they actually deal with beyond the big four banks, since non-bank and specialist lenders often suit commercial scenarios better. Ask for examples of similar deals they've placed, how clearly they explain fees and loan structures upfront, and how responsive they are to questions. Verified client feedback and a track record in your specific type of finance (development, equipment, working capital) are better indicators than general advertising.
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.