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.
Commercial · 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.
Local expertise
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
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.
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.
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.
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
The assessment, terms and structure all differ. Here is the comparison.
| Factor | Commercial loan | Home loan |
|---|---|---|
| Assessed on | Business cash flow, financials and security | Personal income and the property |
| Deposit / security | Varies widely by lender and deal | More standardised |
| Loan terms | Often shorter, more flexible structures | Typically up to 30 years |
| Broker fee | May apply, disclosed upfront | Most clients pay no fee |
| Documentation | Business financials usually required | Income and ID documents |
Straight answer
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.
Common questions
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.
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.
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.
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.
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.
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
Directors with 20 years of Perth lending experience, who structure the deal around your business.
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.
Director, Mortgage Broker
10+ yrs · $500M+ settled · MFAA member
Commercial and investment lending structured around cash flow.
Local, not regional
280+ five-star reviews
Verified Google review to be added here from the 280+ five-star reviews on the Central Lending Solutions profile.
[TBC] Real review pending importVerified Google review to be added here from the 280+ five-star reviews on the Central Lending Solutions profile.
[TBC] Real review pending importVerified Google review to be added here from the 280+ five-star reviews on the Central Lending Solutions profile.
[TBC] Real review pending importHere to help
Book a free chat with Dave or Harj. We will compare lenders and structure the right commercial finance around your cash flow.
30+ lenders compared · including Keystart













