Business Loans Perth

We're Not Tied to One Lender

We take the time to understand how your business runs, how you get paid, and what you need the money for, then match you with lenders whose criteria actually suit your situation. From the first conversation through to funding, we manage the application so you can keep running your business.

Looking to buy or refinance commercial property? See our [Commercial Loans Perth](/services/commercial-loans-perth) page.

Business Loan Options We Help You Compare

• Secured business loans — Borrow against property or business assets, typically giving access to higher loan amounts and sharper rates.
• Unsecured business loans — Funding without putting property up as security. Useful for smaller amounts and faster turnaround, usually at a higher rate than secured lending.
• Working capital and cash flow loans — Short-term funding to cover wages, stock, supplier payments or seasonal gaps while you wait on customer payments.
• Business line of credit and overdrafts — A flexible limit you can draw on and repay as needed, so you only pay interest on what you use.
• Equipment and asset finance — Finance for machinery, tools, technology, fit-outs and other business equipment, with the asset itself often used as security.
• Vehicle and fleet finance — Utes, vans, trucks and company cars, whether you need one vehicle or a whole fleet.
• Invoice finance — Unlock cash tied up in unpaid invoices instead of waiting 30, 60 or 90 days to get paid.
• Business acquisition finance — Funding to buy an existing business, franchise or practice, or to buy out a business partner.
• Low doc business loans — For self-employed borrowers and newer businesses who don't have two full years of tax returns, using alternative documents such as BAS statements or bank statements.
• Business debt refinancing and consolidation — Combine multiple business debts into one facility, or move to a lender with better terms, to simplify repayments and improve cash flow.

Who We Help

Brighton Finance works with businesses of all sizes across Perth, including:

• Sole traders and self-employed professionals
• Small and medium-sized businesses
• Company directors
• Tradies and contractors
• Construction and mining services businesses
• Medical, dental and allied health practices
• Retail and hospitality businesses
• Professional service firms
• Transport and logistics operators
• Franchise owners
• Start-ups and newer businesses

What Lenders Look At

Every lender assesses business loans differently, but most will consider:

Knowing where you stand on each of these helps us point you towards lenders more likely to say yes, rather than applying blind and collecting declines on your credit file.

• Time in business — How long you've held your ABN and been trading.
• Turnover and profitability — Your revenue, margins and ability to service repayments.
• Financial documents — Tax returns, financial statements, BAS or business bank statements.
• Credit history — Both your business and personal credit files.
• Existing debts — Current loans, leases, credit cards and any outstanding tax obligations.
• Security — Whether you're offering property, equipment or other assets as security.
• Purpose of the loan — What the funds will be used for and how they'll benefit the business.

Is a Business Loan Right for You Right Now?

You're likely in a good position to apply if:

If your business doesn't tick every box yet, that doesn't necessarily rule you out. Specialist and non-bank lenders often have more flexible criteria, and Brighton Finance can also map out what to work on first so you're in a stronger position when you apply.

• Your business has an active ABN and has been trading for at least 6 to 12 months (some lenders prefer 2 years or more)
• You can show consistent revenue through BAS, bank statements or financial statements
• Your tax and existing loan repayments are up to date
• You have a clear purpose for the funds and a plan for how they'll be repaid

Why Perth Businesses Choose Brighton Finance

• We compare the market, not one bank — Your bank is only one option. We line up business loan products from major banks, non-bank lenders and specialist financiers so you can see where the better rate, structure or approval chance actually sits.
• We understand how businesses really operate — Lumpy cash flow, seasonal trade, large contracts with long payment terms: we know lenders need these explained properly, and we structure your application so your business is assessed on its real position.
• One broker from start to finish — You'll deal with the same person throughout, not a call centre. We know your file, your deadlines and what matters to you.
• Clear on costs from day one — We explain how we're paid and any fees involved before you proceed, so there are no surprises at settlement.
• Local, Perth-based support — We work with businesses across Perth and understand the WA economy, from resources and construction to healthcare, hospitality and professional services.

Business Finance for Perth Industries

Perth's economy has its own rhythm, and lenders don't always understand it. Brighton Finance regularly helps businesses in:

• Construction and trades — Equipment, vehicles and working capital to bridge the gap between progress payments.
• Mining and resources services — Asset finance for plant and machinery, and cash flow funding to manage long payment cycles on large contracts.
• Healthcare and medical practices — Fit-out finance, equipment finance and practice acquisition loans for GPs, dentists, specialists and allied health providers.
• Hospitality and retail — Stock funding, fit-outs, refurbishments and working capital to manage seasonal trading.
• Transport and logistics — Truck, trailer and fleet finance to grow capacity as contracts come in.
• Professional services — Funding for growth, office fit-outs, technology upgrades and partner buy-ins.

Business Loan Terms Explained

• Secured loan — A loan backed by an asset, such as property or equipment, that the lender can claim if repayments aren't met.
• Unsecured loan — A loan with no specific asset held as security, usually with a higher rate and lower borrowing limit.
• Director's guarantee — A personal commitment from a company director to repay the loan if the business can't. Many business loans require one.
• Working capital — The money your business needs to cover day-to-day operating costs.
• Balloon payment — A lump sum due at the end of some equipment or vehicle loans, which lowers regular repayments during the term.
• Low doc loan — A loan assessed using alternative income evidence, such as BAS or bank statements, instead of full tax returns.
• Serviceability — A lender's assessment of whether your business income can comfortably cover the loan repayments.