Business and commercial loans
Commercial and Business Loans: Capital Structured for Growth and Cash Flow
Funding the business should not cost you a fortnight of paperwork and a month of momentum.
Getting business finance should not mean jumping through endless hoops or putting the business on hold while a bank makes up its mind. Whether you are expanding, funding working capital, buying commercial premises, or replacing machinery, the structure of the loan matters as much as the amount, because it is your daily cash flow that carries it.
Commercial finance is assessed very differently to a home loan. Lenders look at business performance, trading history, and the cash flow of the enterprise itself. Automated bank models routinely struggle with complex entity structures, seasonal earnings, or a temporary dip in profit caused by the business growing.
I bring more than 20 years of financial services experience to your side of the table, including 14 years in executive roles inside a major Australian bank. I am also a self-employed business owner myself, so I know both how credit committees assess commercial risk and what it feels like to be waiting on their answer. I build the application so lenders read your business accurately the first time.
We work with business owners nationwide by phone, secure document sharing, and video consultation.
Strategic business financing: secured or unsecured
Which option suits you comes down to three things: what security you can offer, how long you need the capital for, and what you are actually trying to do with it.
The main categories of business finance
- Secured commercial loans: Larger amounts at sharper pricing, using residential or commercial property as security.
- Unsecured business loans: Faster capital without real estate security, assessed mainly on business revenue and cash flow.
- Working capital facilities: Overdrafts and lines of credit that smooth out seasonal dips, inventory purchases, or slow-paying invoices.
- Asset and equipment finance: Vehicle and machinery funding structured so the asset itself carries the security.
- Commercial property loans: Buying or refinancing premises, warehouses, offices, or industrial sites.
Not sure which of these your situation actually calls for? That is the conversation to have first.
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Comparing commercial loan structures
Terms and turnaround times below are typical rather than guaranteed. They vary by lender, by the strength of the file, and by how quickly documents come back.
| Feature | Secured business loan | Unsecured business loan | Asset and equipment loan |
|---|---|---|---|
| Best suited for | Major expansion, property purchase, long-term funding | Urgent cash flow, short-term project costs, inventory | Vehicles, machinery, technology and equipment |
| Primary security | Real estate, residential or commercial | Business revenue, usually with a personal guarantee | The asset being purchased |
| Typical loan term | 5 to 30 years | 6 months to 5 years | 2 to 7 years |
| Typical time to approval | 1 to 3 weeks, valuations being the long pole | 24 to 48 hours | 24 to 72 hours |
| Rate positioning | The sharpest pricing available commercially | Higher, reflecting the absence of property security | Competitive, and often fixed for the term |
Tailored solutions for business growth
Most of the work is matching the right facility to the actual problem, rather than pushing every business toward the same product.
| Business need | Strategic solution |
|---|---|
| Managing cash flow spikes | Revolving lines of credit or invoice finance, to unlock funds tied up in unpaid customer receivables. |
| Commercial property purchase | Commercial mortgages structured under a company, personal, or self-managed super fund entity. |
| Fleet and machinery upgrades | Asset finance, whether a chattel mortgage or an equipment lease, to preserve working capital while the asset earns its keep. |
| Refinancing commercial debt | Consolidating several short-term, high-cost facilities into one manageable long-term structure to bring monthly overheads down. |
Two boundaries worth naming. The tax treatment of a chattel mortgage or an equipment lease depends on your circumstances, so confirm it with your accountant or a registered tax agent. And where a purchase involves a self-managed super fund, the decision to buy through the fund is financial advice: that sits with your licensed financial adviser or SMSF specialist. Prowest Financial Solutions arranges the credit once that decision is made.
Already juggling several facilities? There is usually a cleaner structure sitting underneath.
Review your funding optionsHow it works
Our four-step commercial finance process
We take the administrative weight off your desk so you can keep running the business while the finance gets sorted.
01
Business assessment
We review your trading statements, ABN history and what the funding is actually for, before anyone starts filling in forms.
02
Lender selection
We test your figures across 40+ bank and non-bank commercial lenders to find the ones whose policy fits your structure.
03
Credit packaging
We write a clear credit paper that puts the strength of the business and its repayment capacity in front of the decision-maker.
04
Approval and settlement
We manage approval and document execution so the funds land when you need them, not a fortnight later.
Questions
Frequently asked questions about business loans
Can I get a business loan without using my home as security?
Yes. We have access to unsecured business loans and cash flow lending facilities that assess your business on its gross revenue and trading history rather than on real estate equity. You generally trade a higher rate for that, which is often worth it when speed or keeping the house out of it matters more.
What documentation is required for a commercial loan?
For a full-doc commercial loan, lenders generally want two years of business financial statements, tax returns, and recent bank statements. For low-doc or fast-turnaround facilities, there are options that run on six to twelve months of trading bank statements or BAS lodgements instead.
How fast can an unsecured business loan be funded?
Many non-bank commercial lenders on our panel run streamlined digital applications, with conditional approval often coming back within hours and funding following within 24 to 48 hours of full approval. Timing still depends on how quickly your documents come through and on the lender's own queue.
Can I buy my business premises through a self-managed super fund?
Financing this way is possible, through what is called a limited recourse borrowing arrangement, and it is a structure a lot of business owners use to buy the premises they operate from. Whether it is the right move for your fund is a financial advice question, and that belongs with your licensed financial adviser or SMSF specialist. Once you and your adviser have settled on the strategy, we arrange the lending side of it.
Where to from here
Ready to fund the next stage of the business?
Whether you need working capital quickly, equipment finance, or long-term commercial property funding anywhere in Australia, the starting point is the same: what the business actually needs, and what it can comfortably carry.
No obligation, and no credit check just to talk it through.
Level 28, 140 St Georges Terrace, Perth WA 6000
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Monday to Friday, 9am to 5pm
Where to from here
Start with a straight answer.
One short conversation is usually all it takes to know where you stand and what your options actually are. Nothing to fill in first, no obligation at the end of it, and if the answer is no, I will tell you that and what would need to change.
Monday to Friday, 9am to 5pm. Perth CBD, or by phone and video anywhere in Australia.