Business Loans Perth

Funding to keep your business moving.

Business finance to cover a gap, take on a bigger job, or fund the next stage of growth. We'll match you with a lender who suits how your business runs, with quick decisions and clear terms.

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What is a business loan?

A business loan gives your business capital that isn't tied to one specific asset.

Instead of financing a single piece of equipment, you get funds you can use where they're needed most, covering wages and stock, taking on a bigger contract, fitting out a new site, or smoothing out cash flow between invoices. Most of the loans we arrange fall into one of two types, unsecured or cash-flow.

Unsecured loans

Don't need an asset as security. They suit short-term needs like covering wages, stock or a gap in cash flow, and are assessed on the strength of your business rather than what you own.

Cash-flow finance

Is assessed against your revenue and trading history rather than a balance sheet. It suits businesses that are asset-light but have consistent turnover.

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Who business loans suit

Whether you've been trading for years or just started out, a business loan can help. We work with businesses right across WA, including civil construction, transport, earthmoving, trades, and small businesses.

A business loan can help when you need:

Working capital to cover day-to-day costs or a quiet period

Funds to take on a bigger job than your current cash flow allows

Money for a fit-out, expansion, or new premises

Cash to cover tax, wages, or supplier bills while you wait on invoices

Flexible funding without tying it to a particular asset

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Why use Prime for your business loan?

Going straight to your own bank means one set of products and one answer. We do things differently. Before we recommend anything, we take the time to understand how your business actually works, then compare the market to find a lender who'll back it.

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We understand your business first

Not just your numbers, but what you do, how money moves through the business, and where you're headed. That's how we structure a loan around how you actually operate.

We compare the whole market

One application, 40+ lenders, including specialist lenders the banks won't point you toward and the ones who look favourably on your industry.

You get a straight answer

An honest read on every option, and someone handling the back-and-forth so you don't have to.

We're here after the loan settles

Most of our clients come back as their business grows, because we stay in touch and we know your history.

DIY, or done for you?

Doing it yourself

Limited to the lenders you find

Applying and following up on your own

Trial and error with lenders who may not fit

Working out the fine print yourself

40+ lenders matched to your business

One application, we handle the back-and-forth

Matched to lenders suited to your industry

We explain the terms before you decide

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How it Works

Three steps to funded business capital.

Business loans move quickly when the process is right. Here's what happens from your first enquiry through to funds landing in your account.

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Tell us what you're after

Start by filling out our online quote form. We'll get a feel for your business and what the funding's for.

We compare and recommend

We look across our panel of 40+ lenders, including ones that understand your industry, and come back with options that suit your situation and cash flow.

Get approved and settled

Once you're happy, we handle the application through to funding. Many business loans move quickly, often within 24 to 48 hours, depending on the lender and what they need.

Backed by 40+ trusted lenders

“To go above and beyond the remit is rare these days.”

Christopher Alexander

Business Loan

Absolutely 5 star service from start to finish! Having worked in the finance industry for over 30 years, I can confirm that Mitchell was an absolute professional throughout the entire process.

He very quickly managed to find the right product I needed , simply, and with no hassle. Communication was a top priority at all times. I would recommend 100% without hesitation.

FAQS

Business loan questions we hear most.

Still working something out? These are the questions that come up most. If yours isn't here, get in touch and we'll help answer it.

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Can a new business get a loan?

Yes. We work with both established and brand-new businesses. Some lenders look at how long you've been trading, but many weigh up the strength of the business and its cash flow instead, and we'll point you toward the ones most likely to say yes.

Do I need to provide financials?

Not always. Many business loans are low-doc, which means minimal paperwork, sometimes just identification and basic business details. Larger amounts may need bank statements, BAS or financials. We'll tell you exactly what's required upfront.

How much can I borrow?

It depends on your business, its cash flow, and the lender. Rather than guess, we'll look at your situation and come back with realistic figures based on what lenders are actually offering.

How quickly can funds be released?

For straightforward applications, funding can come through within 24 to 48 hours. More complex deals take a little longer, and we'll give you a clear timeframe upfront rather than leave you guessing.

Will applying affect my credit score?

Asking us for a quote won't. We assess your options with a soft credit check that leaves no mark on your file. A hard enquiry only happens once you choose a lender and move ahead with a formal application.

See what your business could access.

Tell us what you're after and we'll compare lenders to find funding that suits how your business runs. It takes a few minutes, with no impact on your credit score.

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