Business Finance Broker Perth
Bank refused your loan, or offered a product that doesn’t fit? You’re not the only WA business owner to hit that wall.
- Access to 50+ lenders
- Finance structured around your business
- CPA and ACMA-qualified brokers with 25+ years in commercial finance
What is Business Finance?
Business Finance requires more than just considering how much a business can borrow. It relies on a detailed understanding of the business trading history, its industry and market segment, its underlying trading and balance sheet strength, and the economic influences on it as a whole.
Business Finance also includes analysis of existing and potential funding options such as the below, and their longer-term effect on the business itself:
- Funds borrowed from a bank or specialist lender.
- Funds borrowed from related parties (e.g. shareholder loans).
- Short term funding for one off cash flow needs.
- Transaction banking and merchant facilities.
- Creditor/debtor management.
Our Business Finance
Broker Services
Business Finance Advisory
Strategic guidance for growing, restructuring or exiting your business, working alongside your existing accountant or bookkeeper.
Business Finance Advisory
Strategic guidance for growing, restructuring or exiting your business, working alongside your existing accountant or bookkeeper.
Many businesses rely on internal or external accountants and bookkeepers to arrange their finance. Doing this so often can cost you a significant amount of time and money. Working with your existing finance team, we can help to ensure you’re getting the right advice and the most appropriate solutions.
Whether you are just starting out, established and growing, or mature and looking to restructure or sell, the business finance experts at Whiteroom can help you with advice and guidance about any business finance needs, including:
- Improving cash flow and accessing working capital options.
- Accessing short term unsecured debt for specific needs.
- Specialist lending (including professional services).
- Restructuring your existing debt.
- Acquiring a new business.
- Unsecured lending.
- Purchasing a property.
The structure, nature, and cost of funding varies considerably and can be vastly different for seemingly similar businesses so don’t be caught out relying on what others tell you. Wherever you are with your business, Whiteroom Finance can get you to where you want to be.
Book a Business Finance Consultation
Business Loan Brokers
Commercial business loans and start-up funding, matched to the right lender instead of the first one you approach.
Business Loan Brokers
Commercial business loans and start-up funding, matched to the right lender instead of the first one you approach.
A business loan is rarely a single product. It’s a structure, made up of the right lender, security, term and rate for what your business actually needs.
As business loan brokers, we look at your full financial picture: trading history, balance sheet, industry and growth plans, then compare that against a panel of more than 50 lenders rather than a single bank’s product list. That gives you access to commercial business loans, corporate funding and working capital facilities that one lender relationship usually can’t match.
The right structure now also makes the next stage easier. A loan set up around your actual cash flow and growth plans means fewer surprises and less renegotiating down the track.
Contact A Business Loan Broker Today
Small Business Loan Brokers
Starting a business comes with a long list of decisions. Finance is one you want to get right early rather than fix later.
Small Business Loan Brokers
Starting a business comes with a long list of decisions. Finance is one you want to get right early rather than fix later.
We work with entrepreneurs before they’ve started trading, so we understand the goals and the numbers before recommending anything. From there, we guide you through small business loans, start-up cash flow finance and working capital options, based on your actual plan rather than a generic template.
Talk to us before you approach a lender directly. Getting the structure right from day one avoids the pitfalls that make it harder to qualify for finance later, once your business has grown and your needs have changed.
Discuss Your Start-Up Funding Today
Commercial Mortgage Brokers
Commercial property finance built around your business's revenue cycles and exit plans, not just the property itself.
Commercial Mortgage Brokers
Commercial property finance built around your business's revenue cycles and exit plans, not just the property itself.
Buying the premises you operate from, purchasing a property to lease out or stuck with a commercial loan that no longer suits you? We’re commercial property finance specialists and can help.
A commercial mortgage carries different risks to a home loan: shorter terms, different deposit requirements and lenders that assess your business’s trading performance as closely as the property itself. Our panel of lenders means we can build a structure around your business’s revenue cycles, expansion plans and eventual exit, rather than fitting your business around one lender’s standard terms.
Whether you’re purchasing or considering business loan refinancing, we have long-term and low-deposit options available, plus the ability to structure finance across a range of property and business assets. That keeps your balance sheet working for you and means our advisory support continues well beyond settlement.
Explore Our Commercial Property Loans
Vehicle & Equipment Finance
Funding for fleet, vehicles and equipment structured around how long you'll actually use the asset, not just the purchase price.
Vehicle & Equipment Finance
Funding for fleet, vehicles and equipment structured around how long you'll actually use the asset, not just the purchase price.
Replacing a vehicle, growing your fleet or investing in new equipment? We have access to a broad panel of finance providers and can help structure the right funding for what your business needs, without tying up cash you need for day-to-day operations.
What to consider:
- Loan term versus the asset’s useful life. A term that outlasts the equipment leaves you paying for something you’ve already replaced.
- Balloon payments. A lower monthly repayment can mean a large final payment due at the end of the term. Know the number before you sign.
- GST timing and input tax credits, which vary depending on whether the finance is structured as a chattel mortgage, lease or hire purchase.
- Whether the asset is best financed as a business expense or through equipment-specific lending, which affects both cash flow and tax treatment.
We’ll walk you through these before you commit, not after, so the structure matches how long you’ll actually use the asset and how your cash flow moves through the year.
Speak to a Broker About Vehicle Finance
Working Capital & Cash Flow Solutions
Cash flow pressure is measurable and fixable, whether the answer is funding or something else entirely.
Working Capital & Cash Flow Solutions
Cash flow pressure is measurable and fixable, whether the answer is funding or something else entirely.
Short of cash? Juggling bills despite strong growth and healthy profits? It happens more often than business owners expect. Increasing revenue often puts more pressure on cash flow, not less and that pressure is measurable and fixable.
Your specialists in working capital and cash flow solutions:
Many of our clients have gone to their bank for an overdraft, only to end up with a high-cost facility that never actually resolves the underlying problem. Sometimes funding isn’t the fix at all. Rearranging existing debt, tightening payment terms with debtors, adjusting rosters and workforce costs or simply cutting spend in the right place can make a bigger difference than any loan.
Where funding genuinely is the answer, we have access to short and long-term solutions, secured and unsecured lenders, overdrafts, capital loans, invoice funding and other structures, so the fix matches the actual cause rather than just covering the symptom.
Get Working Capital Finance Today
Factors We Consider For Business Finance
When assessing the finance options available to a business the following factors are also considered:
- The business historical financial performance and forecasts/budgets.
- Balance Sheet equity (the difference between assets and liabilities).
- Working Capital position (current assets vs current liabilities).
- Profitability and servicing capacity.
- Director and shareholder backgrounds.
How We Can Help Your Business
Working with experienced business loan brokers like us provides access to a wider range of lenders and funding options than approaching a single bank.
Benefits include:
- Access to multiple lenders and funding products
- Tailored commercial finance strategies
- Guidance through the loan application process
- Support structuring working capital loans or corporate funding solutions
Our role is to simplify the finance process and work with your immediate needs while recommending the most suitable commercial business loan or funding solution to support your long-term business goals.
Whatever your business finance objectives, Whiteroom Finance is here to help you achieve them. Whether you’re upgrading your vehicle fleet, purchasing new equipment, acquiring commercial property, improving cash flow, or expanding your operations, our team has the experience and lender network to help secure the right funding solution, supporting both your immediate requirements and your long-term growth.
Whiteroom Finance becomes part of your Trusted Adviser Network. Trust us as your business finance adviser for your next commercial decision.
What Our Customers Think:
Business Finance FAQs
What are the common finance options available for businesses?
Related Party Debt:
Most businesses borrow money from the business owner from day one. Whether a formal loan or just a decision to defer personal income – it is a form of debt and once a business owner understands this, deciding to formally borrow funds becomes much easier.
Equity:
Some businesses sell shares in their company to unrelated people or entities. The unrelated entity provides cash for operations and in return gets a share of profit. This is not a loan, but a type of funding that is commonly used, especially for large business.
Borrowing:
Banks, Financiers and Private Lenders are looking for opportunity to lend money to a trading business. Whatever the purposes of the funds, the concept is the same, the lender looks at business profitability and capacity to repay debt in an agreed timeframe and lends money accordingly.
Do you need a deposit for a business loan?
Whether a deposit is required or not depends on the type of loan and its terms. Having a deposit can reduce cost of debt, but also means having to use up some cash flow. Vehicle finance commonly does not require a deposit, however, funding for larger equipment or property would likely have some deposit requirements, whereas working capital/cash flow facilities would not.
Note that costs associated with a purchase, such as Stamp Duty and GST usually are required to be paid out of pocket.
How do I know what financing options are available for my business?
Finance is available for most business needs. What is suitable for your businesses though depends very much on your circumstances and goals. Business owners often approach a bank or financier with what they think the solution to their need is without really understanding if this is going to fix the problem or what the problem actually is.
The business decisions you make can affect your business for the better or worse, so ensure you are informed before making any changes. Our job is to uncover the need and explore the options to resolve it without borrowing and then look at the appropriate funding needs next.
The short answer to this question is “It depends” and that you should seek professional advice to work out why you have a need and what you need to do to fix it.
What Is Corporate & Asset Finance?
Corporate and asset finance covers funding secured against a specific business asset rather than your business as a whole: vehicles, equipment, commercial property or a business acquisition loan for buying an existing operation. Because the lender has the asset as security, terms and rates can be more competitive than unsecured business lending, but the structure (loan term, deposit and balloon payments) needs to match how long you’ll actually use the asset. We work through this with you when structuring finance for a vehicle, piece of equipment or commercial property, so it fits the asset’s real working life, not just the purchase price.