Business loans Perth
A business loan funds something your business needs to buy or do, and Quantum Finance works out which lenders will fund it, then puts the trading numbers in front of them in the order they read them.
- For stock, growth, equipment, fit-out or an acquisition.
- Secured and unsecured, across bank and non-bank lenders.
- Assessed on how the business trades and how it repays.
- A business facility, not a regulated home loan.
- Years broking
- 21+Years broking
- Loans settled
- $1B+Loans settled
- Credit licence
- ACL 389083Credit licence
- Lenders compared
- 40+Lenders compared
Our awards and recognition
Awarded by the people who see every broker’s numbers
Diamond Club
2026
Money Quest Group
Diamond Club
2025
Money Quest Group
Diamond Club
2024
Money Quest Group
Mortgage Broker of the Year
2023/24 — National, highest dollar volume settled
Southern Cross Broker Network
Excellence in Finance, Gold
2021
PLAN Australia
Excellence in Finance, Gold
2020
PLAN Australia
Hall of Fame
Valued partner, 15 years
PLAN Australia
Elite Broker
2021
Broker Value Proposition
Premium Broker
ANZ
Individual Excellence Award
2016
Specialist Finance Group
Sales Excellence Award
PLAN Australia
Sales Master Award
PLAN Australia
Top 100 Brokers
Four times
Australian Broker
What our business loan service does
The work on a business loan, from purpose to review dateA business loan is credit advanced to a business for a business purpose, such as buying stock, funding growth, acquiring another business or fitting out premises. Lenders assess how the business trades and how it will repay, and the security offered then sets the price and the term.
Small business loans and larger facilities are read the same way but weighted differently, and the gap between what one lender will fund and the next is wide.
A business loan is not a regulated home loan. Directors are usually asked for personal guarantees, so read the facility agreement and the guarantee with your solicitor before signing.
We work out what the money is actually for
A stock purchase, a fit-out, an acquisition and a cash flow gap are four different funding problems, and the wrong product makes an affordable one expensive. We start with the purpose and the repayment source. The facility type follows from that rather than from what a lender happens to be promoting.
We prepare the trading numbers the way a credit team reads them
Two years of financial statements and tax returns, interim management figures where the last year end is old, aged debtors and creditors, and your current ATO position. A business file that arrives incomplete sits in a queue. One that arrives ordered gets a decision on the merits.
We compare secured against unsecured before you commit
Offering property as security usually improves the term and the price. It also puts that asset behind a business debt, which is a decision rather than a formality. We run both versions so you can see what the security is buying you and choose knowingly.
We flag what the directors are personally signing
Most business lending asks the directors for personal guarantees, and some ask for security over a home. That obligation outlives a good trading year. We identify it in writing before you sign and tell you to have your solicitor read it, because a guarantee is not marketing copy.
We take the file to bank and non-bank lenders
Banks price the sharpest and ask the most questions. Non-bank lenders take a broader view of a trading history with a rough patch in it, and cost more for doing so. Presenting the same file to both is how you find out what the business can actually get.
We diarise the review and expiry dates
Business facilities are often reviewed rather than set and forgotten, so the terms you start with are not necessarily the terms you keep. We track the dates and come back to you ahead of them, so a renegotiation happens on your timetable instead of the lender's.
Business loan types
Six ways a business loan gets written, and what each one is good atPicking the wrong facility is what makes affordable borrowing expensive. A stock purchase repaid over a season and a fit-out repaid over years are different problems, and lenders price them differently. The purpose should choose the product.
- Secured business term loan
What it tends to suit
A defined purchase repaid over a set term
What comes with it
Property or another asset stands behind it
- Unsecured business loan
What it tends to suit
Smaller amounts where no asset is available to offer
What comes with it
Priced for the risk the lender is carrying without security
- Business overdraft
What it tends to suit
Covering the gaps between money out and money in
What comes with it
Interest on what you draw, and it is usually reviewed
- Business acquisition loan
What it tends to suit
Buying a business, a franchise or a partner's share
What comes with it
Assessed on the target's numbers as well as your own
- Fit-out and equipment funding
What it tends to suit
Premises works, plant and the gear that goes in
What comes with it
Often cheaper written as asset finance against the item
- Franchise finance
What it tends to suit
Established systems the lender already recognises
What comes with it
The franchisor's track record does part of the work
You do not need to arrive knowing which of these you want. Tell us what the money is for and when the business expects to repay it, and we come back with the options that fit.
Who business loans suit
The Perth businesses we arrange funding forEvery situation below is assessed on how the business trades and how the facility gets repaid. These are the ones that come through the door most often.
Established businesses funding growth without giving away equity
Owners buying stock or inventory ahead of a busy season
Businesses fitting out new premises or refurbishing existing ones
Buyers of an existing business, a franchise or a partner's share
Professional practices funding a buy-in or a practice purchase
Businesses consolidating several expensive facilities into one
How a business loan application runs
Five steps, and most of the work happens before submissionA business loan runs through the same five steps as any file we write, with the financials, the ATO position and the purpose established up front. A file submitted half-prepared tends to sit, so the preparation is where the time goes.
Start an application
You send us the basics and we work out what you could borrow and which lenders will look favourably at your situation.
Read this step in full: Start an applicationWhat you need
Income, debts, deposit
Get pre-approved
We put your file to the lender that fits and bring back a pre-approval in writing, subject to lender approval and your circumstances.
Read this step in full: Get pre-approvedWhat we do
Match the lender to your file
Get officially approved
Once your offer is accepted, the lender orders its valuation and issues formal approval.
Read this step in full: Get officially approvedWhat we do
Chase the lender, so you do not have to
Prepare for settlement
We go through the loan documents with you before you sign anything, then coordinate the lender and your settlement agent.
Read this step in full: Prepare for settlementWhat you need
Your questions, asked early
Stay up to date
After settlement we keep the loan under review as rates move and your circumstances change.
Read this step in full: Stay up to dateWhat we do
Review it, and tell you first
Step 1 of 5 · Start an application
About our independent mortgage brokers
The Perth brokers who take your business file to marketIndependent means no franchise above us and no lender owning a share of the business. Nobody upstairs sets a monthly target, so a business loan goes to the lender that will actually fund it. Your bank offers its own facility; we compare 40+ lenders, bank and non-bank.
Gavin Harrigan has been broking from West Leederville since 2005. Today it runs on a small team, Gavin Harrigan, Justin Richardson and Xavier Prescott, each with their qualifications on the page. You deal with the person who writes your loan, before settlement and after it.
The work runs from a first home loan, through refinancing and investment lending, out to construction, small developments and commercial property. Same broker, whichever end of that you are at.
- VerifiedBroking since 2005
- VerifiedOver $1 billion in loans settled
- VerifiedAustralian Credit Licence 389083
- VerifiedMoneyQuest accredited
- VerifiedMember of the Finance Brokers Association of Australia (FBAA)
- Verified40+ lenders on the panel
Fifteen minutes is usually enough to tell you where you stand. No cost, no obligation, and any lending is subject to approval and your circumstances.
Why choose us for a business loan
Two lenders read the same trading history and reach different answersBusiness lending is priced deal by deal, and a bank and a non-bank lender can read the same set of financials very differently. Every point below is a consequence of how this business is owned, not a slogan about service.
- Included
No franchise, no head office quota
We do not pay a franchise fee, so nobody upstairs sets a monthly target for us to hit. That removes the main reason a broker recommends the wrong loan.
- Included
No lender owns a share of us
The banks have no stake in this business and no claim on where files go. Your bank has one loan to sell you. We do not.
- Included
40+ lenders, one shortlist
We compare 40+ bank and non-bank lenders, then explain why the shortlist looks the way it does. Policy differences decide more applications than rate does.
- Included
We will tell you when the answer is no
If refinancing does not actually save you money, we say so and you leave the loan where it is. A wrong loan costs more than the fee it earns.
- Included
The same broker after settlement
You keep dealing with the person who wrote the loan. We review it as rates and your circumstances change, not once and then never again.
What our clients say
In their words, not oursReviews left by people we have settled loans for, pulled straight from the platform they were written on.
Our business lending panel
Banks decline for policy, not for merit, so we compare 40+ lendersMajor banks, second-tier banks, and specialist non-bank lenders who will look at a trading history the majors will not. MoneyQuest gives us access to the panel. 21+ years of writing loans across it tells us who funds what.
A selection of the lenders we are accredited with. Ask us who else is on the panel for your situation.
Our commercial finance guides
Business and commercial lending, explained plainlyHow business lending differs from a home loan, and what a credit team is actually looking at. Each one carries a broker's name.
Choosing a broker
What a mortgage broker does
What the job actually involves, who pays for it, and when your own bank is the better call.
Read it: What a mortgage broker does
Investing
Financing an investment property
How lenders read rental income, and how investors fund a deposit from equity.
Read it: Financing an investment property
Development
Funding a property development
How funders read a project, and why the exit is decided before the first drawdown.
Read it: Funding a property development
Commercial
Commercial finance, explained
Why commercial lending is negotiated rather than priced, and what lenders ask for.
Read it: Commercial finance, explained
Meet our Perth business finance brokers
You get a broker, not a call centreThree people, all named, all reachable. The person who reads your financials is the person who presents them and the person who calls you before the review date.
Gavin Harrigan
Managing Director
Broking since 2005, four-time Top 100 broker and a PLAN Australia Hall of Fame member.
- Bachelor of Commerce, Applied Finance and Commercial Law — Curtin University
- Diploma of Finance and Mortgage Broking Management — AAMC Training Group
- PLAN Australia Hall of Fame member
- Elite Broker status
- Top 100 Brokers, four times
Justin Richardson
Loan Consultant
Business and law background, and a habit of making the process feel simple.
- Bachelor of Commerce, Business Law and Marketing — Curtin University
- Bachelor of Laws (in progress) — Murdoch University
Xavier Prescott
Loan Consultant
Fresh qualifications, a competitor's discipline, and a lot of patience.
- Diploma of Finance and Mortgage Broking Management
Common questions about business loans in Perth
What is a business loan?
A business loan is credit advanced to a business for a business purpose, such as stock, growth, equipment, premises or an acquisition. The lender assesses how the business trades and how the facility gets repaid. Security, or the absence of it, then sets the term and the price.
What do lenders look at in a small business loan application?
Two years of financial statements and tax returns, interim figures where the last year end is old, aged debtors and creditors, bank statements, and your current ATO position. They also look at the directors' personal position, because most business lending is guaranteed personally.
Can I get a business loan without security?
Unsecured business lending exists and it is real. It is priced for the risk the lender carries without an asset behind it, so it costs more than a secured facility and the amounts are smaller. We run both versions so you can see what offering security would buy you.
Will I have to give a personal guarantee?
Usually, yes. Most business lenders ask the directors to guarantee the facility, and some ask for security over property as well. That obligation outlives a good trading year. We identify it before you sign and tell you to have your solicitor read it properly.
Is a business loan regulated like a home loan?
No. Credit advanced to a business for business purposes is a commercial contract, and the consumer protections that apply to a regulated home loan do not automatically carry across. That makes reading the facility agreement, the guarantees and the security more important, not less.
Will an ATO debt stop a business loan application?
Not automatically, but it needs handling properly. A debt under a formal payment arrangement that is being met is viewed very differently to one that is not disclosed. Tell us at the start so the file goes to a lender that can work with it rather than one that cannot.
Can I get a business loan to buy a business?
Yes, and the assessment widens. The lender looks at the target's financials as well as yours, the price against what the business earns, whether goodwill or assets are being bought, and what you bring to running it. A franchise with an established system is generally read more easily.
Why use a broker for a business loan?
Banks decline files on policy rather than on merit, and a business owner rarely hears which part of the policy caused it. We take the same file to bank and non-bank lenders, present it the way a credit team reads it, and come back with the options that exist.
Related business finance we arrange
The other facilities a business borrower usually needsA growing business rarely needs one product. If yours needs equipment, cash flow cover or the invoices funded as well, it is the same broker and the same conversation.
Working Capital Loans
Cover the gap between paying your suppliers and being paid by your customers.
Learn moreabout Working Capital Loans
Asset & Equipment Finance
Vehicles, trucks, earthmoving, plant and fit-out, funded against the asset itself.
Learn moreabout Asset & Equipment FinanceLow Doc Commercial Loans
For self-employed borrowers and businesses that cannot supply two years of current financials.
Learn moreabout Low Doc Commercial Loans
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Any figures shown are estimates only. Lending is subject to approval, and to the lender's terms, conditions, fees and charges. Consider whether the information is appropriate for you before acting on it.
Get in touch
Talk to us about funding your businessFour questions and you are done. A broker reads it, works out which lenders will fund what you are doing, and rings you back on the number you give us.
Would rather just talk?
Ringing is quicker than waiting for us to ring you, and you get a broker rather than a queue.
1300 813 113