Business Finance

Your Business Finance Specialist.

What Our Customers Think:

Absolute pleasure dealing with Chris and his team! After being run around by the banks and getting no help went to Chris for advice and help. He made it easy and very relaxing by having it well presented to understand what you’re signing up for, would recommend to anyone looking to refinance or borrow.

Luke P

February 2022

Chris, Steve and Vicki have been absolutely fabulous in helping us refinance to include a construction loan for our renovations. Going the extra mile to get us over the line in the end. We would absolutely recommend them and look forward to continuing to work with then in the future. Thanks guys!

Michelle T

January 2022

Just refinanced through Whiteroom and was very impressed with their service and level of knowledge. Whiteroom had access to a great deal and ensured the process was smooth and quick. They were informative all the way through and nothing was ever an issue. Would highly recommend them for anyone looking to obtain a loan or refinance.

Jessica W

August 2021

Had a great experience dealing with Chris and the team and Whiteroom Finance. They are very easy to deal with and their expert guidance throughout the process made everything run so smoothly. Highly recommend.

Angela C

November 2021

Chris, Stephen and Vicki were so helpful! Nothing was too much trouble! Very happy with the outcome and real world solutions.

Daniel L

January 2022

Chris is so friendly and approachable with a calm and professional manner that makes you feel at east and in good hands.

Client survey response

December 2021

Chris is fantastic, so knowledgeable, and helpful. No matter how busy Chris is he will make time for you. Couldn’t recommend him highly enough.

Amy B

February 2021

Just wanted to say a big thank you for your assistance over the years to help us get a metro home! Our new home is absolutely amazing and although rather chaotic right now, we’re super happy.

Rhiannon & Ian

September 2021

Do you need fleet finance? Or any finance for that matter? We highly recommend Chris and his team at Whiteroom Finance. Efficient, easy to work with and they will get you THE best deal.


September 2021

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.
Financial consultation

Business Finance Options

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.
Financial consultation

How We Can help

There are many factors involved in understanding a business before any recommendations are made. Whiteroom Finance prides itself on making sure your longer-term goals are considered when suggesting finance solutions to your immediate needs.

Whatever your business finance goals are, Whiteroom Finance can help you achieve them. Whether it’s upgrading your vehicle fleet, purchasing new equipment, acquiring property, improving cash flow, or expanding your business, we have the experience and connections to help you achieve your vision. Whiteroom Finance becomes part of your Trusted Adviser Network. Trust us as your business finance adviser for your next commercial decision.

Contact Whiteroom Finance today.

Business Lending

Growing your business or expanding services? Transitioning to retirement or setting up for sale? Maybe you’re just not happy with your current finance arrangements. You’re going to need to talk to us.

The business finance experts at Whiteroom Finance have worked with businesses of all sizes and at all stages of the business cycle. Whether you are just starting out, established and growing, or mature and looking to restructure or sell, we 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.
financial solutions

Business Advisory

Many businesses rely on internal or external accountants and bookkeepers to arrange their finance. Doing this so often can cost time and in the case of external accountants and bookkeepers, it can be at a significant cost.

At Whiteroom Finance, we have assisted many clients to reduce this impact and to source funding solutions by acting as their external business financial advisory.

Working with your existing finance team, we can help to ensure you’re getting the right advice and the most appropriate solutions.

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.

Contact Whiteroom Finance today.

Vehicle and Equipment Finance

Needing new equipment for your business? Perhaps you’re looking to replace or expand your vehicle fleet? No problem. Whiteroom Finance has access to a range of finance providers and can help you with the right equipment finance for your business.

Our team understands your business is unique and will work with you to find the funding structure to suit your finance needs.

Commercial Property Finance

  • Are you looking to purchase a commercial property to operate your business from?
  • Do you want to lease to another business?
  • Do you already have term loans but are frustrated by the lender relationship or loan structure?

We are your commercial property finance experts that can help.

Business Finance Consulting

What to Consider

There are several reasons for buying a commercial property, much like buying a new vehicle or house. Similarly, the same risks can apply, especially if the funding structure and terms don’t align to your business needs. It’s our job to ensure our clients are aware of the risks and the benefits of entering into a commercial purchase.

Our extensive panel of lenders ensures that we can build a commercial property solution that suits your business, its revenue and cash flow cycles, expansion and exit strategies.

Whether purchasing or refinancing, we have long term and low deposit options, as well as the capacity to build funding solutions across a range of property and business assets. This ensures you can make the most of your balance sheet and that you have access to our advisory services to ensure funding continues to meet your needs.

Working Capital and Cash Flow Solutions

  • Short of cash?
  • Juggling bills and feeling the pinch despite strong growth and good profits?
  • Did you know that increasing revenues tend to place extra pressure on cash flow?
  • Did you also know that this is measurable, and can be addressed?
financial services

Your Specialists in Working Capital and Cash Flow Solutions

Many of our clients have approached us or their banks for overdrafts that instead of being closed, become a high-cost loan that doesn’t resolve their problem.

Sometimes, it is not funding that will fix the problem at all, it might be rearranging existing debt commitments, stretching creditors and pulling back debtors, restructuring rosters and workforce, or generally reducing cost that will make the biggest difference.

Where funding is required, we have short and long term solutions, secured and unsecured loan providers, overdrafts, capital loans, invoice funding and a range of other solutions that can be employed to achieve the outcomes you’re after.

Contact Whiteroom Finance today.

Start Up Business Finance

Need help starting a business but not sure where to go for finance? Whiteroom Finance are business finance experts and can give you the edge you need to start your small business journey. We offer advice and guidance on small business loans and can find the right provider and the right business loan for you.

Often, people starting a new business understand what they want but don’t always know how to achieve it. Most will start their business without understanding funding needs or exploring financial solutions.

At Whiteroom Finance, we encourage you to engage us before starting your business so we can work with you to develop an understanding about your business goals and what you are hoping to achieve. This means when it comes to exploring your finance options, we make recommendations based on knowledge, not assumptions.

  • 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.
Small business meeting

Small Business Finance

If you’ve already started your business, that’s OK, too. Whiteroom Finance can help develop your business finance acumen and manage growth to prepare you for access to appropriate funding when available.

With extensive experience in the finance industry and working with small businesses, we know the potential pitfalls and how to avoid them. Whiteroom Finance provides you with options to get your business up and running and keep it running.

Business Finance FAQs

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.

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.

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.    

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.

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.