Commercial · Perth

Commercial Loan Broker in Perth.

A commercial loan broker in Perth arranges finance for commercial property, business growth and equipment. Central Lending Solutions compares lenders, structures the deal around your cash flow and security, and manages the application, so Perth business owners get the right finance without trawling the market. Book a free chat.

5.0 · 280+ Google reviews
ACL 497 950 MFAA Member Established 2015

Local expertise

Finance for Perth business owners.

Business finance is rarely off the shelf. The right structure depends on your cash flow, your security, your tax position and where the business is heading. Our directors have been arranging finance in Perth since around 2005, and that experience matters most when the deal is not a standard one.

We help business owners across the Perth metro area, from trades and professional services to retail and hospitality, working from our Osborne Park office. Whether you are buying a warehouse, refinancing a commercial property, funding growth or financing equipment, we compare lenders and structure the loan around how your business actually runs.

Commercial lending moves at a different pace to home loans, and lenders weigh the business as heavily as the security. We do the legwork of comparing options, presenting your financials well, and managing the lender, so you stay focused on running the business rather than chasing finance.

The basics

What can a commercial loan be used for?

Commercial loans fund a wide range of business needs. Common uses are buying or refinancing commercial property, funding growth or working capital, and financing vehicles, machinery and equipment. We match the loan type to the purpose and structure repayments around your cash flow.

Commercial property finance

Buy or refinance an office, warehouse, retail space or other commercial premises. Lenders assess the property and the strength of your business, and deposit requirements and terms vary, which is where comparing lenders pays off.

Business and working capital finance

Fund expansion, stock, fit-outs or short-term cash flow needs. We compare structures that suit your trading pattern, so repayments line up with when revenue actually lands.

Asset and equipment finance

Finance vehicles, machinery, plant and equipment through options such as chattel mortgage or lease. We align the term and repayments with how the asset earns for the business.

Commercial vs residential

How is commercial lending different from a home loan?

The assessment, terms and structure all differ. Here is the comparison.

Commercial lending vs a residential home loan
FactorCommercial loanHome loan
Assessed onBusiness cash flow, financials and securityPersonal income and the property
Deposit / securityVaries widely by lender and dealMore standardised
Loan termsOften shorter, more flexible structuresTypically up to 30 years
Broker feeMay apply, disclosed upfrontMost clients pay no fee
DocumentationBusiness financials usually requiredIncome and ID documents

Straight answer

Does commercial lending cost a broker fee?

Commercial lending can work differently from home loans, and a broker fee may apply on some commercial deals depending on the lender and complexity. We are upfront about any fee before you proceed and explain how the lender pays us, in line with our Credit Guide and the obligations we hold.

Read our Credit Guide →

Common questions

Perth commercial lending FAQs.

What does a commercial loan broker in Perth do?

A commercial loan broker in Perth arranges finance for businesses, including commercial property, working capital, business expansion and equipment. We compare lenders, structure the loan around your cash flow and security, and manage the application, so you get the right finance without trawling the market yourself.

What can a commercial loan be used for?

Commercial loans fund a wide range of business needs. Common uses are buying or refinancing commercial property such as an office, warehouse or retail space, funding business growth or working capital, and financing vehicles, machinery and equipment. We match the loan type to the purpose and your cash flow.

How is commercial lending different from a home loan?

Commercial lending is assessed on the strength of the business as well as the security, so lenders look closely at cash flow, financials and the purpose of the loan. Terms, rates and deposit requirements vary more than residential loans, which is exactly why having a broker compare options matters.

Can you help finance equipment and vehicles?

Yes. We arrange asset and equipment finance for Perth businesses, covering vehicles, machinery, fit-outs and plant. We compare lenders on rate, term and structure, including options like chattel mortgage and lease, and align the repayments with how the asset earns for your business.

Does commercial lending cost a broker fee?

Commercial lending can work differently from home loans, and a broker fee may apply on some commercial deals depending on the lender and complexity. We are upfront about any fee before you proceed and explain how the lender pays us, in line with our Credit Guide and the obligations we hold.

Do you work with Perth business owners across industries?

Yes. We help Perth business owners across many industries, from trades and professional services to retail and hospitality. We are based in Osborne Park and work with businesses right across the metro area. Book a free chat and we will tell you honestly what finance fits your situation.

Real people, not a logo

Your commercial brokers in Perth.

Directors with 20 years of Perth lending experience, who structure the deal around your business.

Dave Phelan, Director and Mortgage Broker

Dave Phelan

Director, Mortgage Broker

20+ yrs · $700M+ settled · Australia's Top 100 Brokers ×3 · MFAA

Co-founder. Development finance and complex deals for Perth business owners.

Harj Dhillon, Director and Mortgage Broker

Harj Dhillon

Director, Mortgage Broker

10+ yrs · $500M+ settled · MFAA member

Commercial and investment lending structured around cash flow.

Meet the whole team →

Local, not regional

Commercial finance across Perth.

280+ five-star reviews

What Perth business owners say.

Verified Google review to be added here from the 280+ five-star reviews on the Central Lending Solutions profile.

[TBC] Real review pending import

Verified Google review to be added here from the 280+ five-star reviews on the Central Lending Solutions profile.

[TBC] Real review pending import

Verified Google review to be added here from the 280+ five-star reviews on the Central Lending Solutions profile.

[TBC] Real review pending import

Read more reviews →

Here to help

Need finance for your business?

Book a free chat with Dave or Harj. We will compare lenders and structure the right commercial finance around your cash flow.

  • $1.2B+ settled
  • 280+ 5.0★
  • ACL 497 950

30+ lenders compared · including Keystart

Keystart
AMP
ANZ
Bank of Melbourne
Bankwest
Bluestone
CBA
Heritage Bank
HSBC
ING
La Trobe Financial
Macquarie
St.George
Westpac
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