Business Finance
Whether you are buying business premises, funding a fit-out, or chasing working capital to grow, Andy compares commercial lenders, structures the loan around your numbers, and walks you through what you are committing to in plain English.
What Our Clients Say
Andy made it straightforward and simple and represented us in a way that put our best foot forward.
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For the entire process Andy was a wealth of knowledge and provided excellent support, guidance and timely information.
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Top bloke, great service and locked in a great deal for us. Walked us through each step and had everything finalised really quickly.
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Andy made our refinancing and purchase of a new home seamless and within our guidlines.
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Explore Our Business Finance Options
Small Business Loans
Small Business Loans →
Commercial Property Loans
Commercial Property Loans →
Commercial Finance for New Businesses
Commercial Finance for New Businesses →
Business Finance Broker
Business Finance Broker →
Funding for Property, Equipment and the Day-to-Day
Commercial finance provides funding for business property purchases, equipment, and operations. In practice that means a few different loans under one roof: a commercial property loan to buy your premises, equipment and fit-out finance to kit them out, and small business loans for working capital when cash flow is tight.
The mechanics differ from a home loan. Commercial property loans usually need a larger deposit, carry different interest rates, and are assessed on the income the property and your business can produce, not just your wage. Andy looks at your whole position and recommends what suits your situation, not what pays the most commission.
We query over 30 lenders to find an outcome that’s right for you
How Commercial Lending Differs from a Home Loan
Commercial property loans differ from residential loans in deposit requirements, interest rates, and serviceability tests. Where a home loan might run 30 years, a commercial loan term typically lands between 15 and 25 years, and lenders weigh the rental yield, the strength of any lease, and the risk of your industry alongside your business financials.
Serviceability is assessed on your profit and loss, rental income, and how steady your trade has been, not a simple income multiple. Most lenders also want a director guarantee. None of that is a reason to panic. It just means the file needs to be put together properly, which is exactly the part Andy handles for you.
SMSF, Business Purchases and Fit-Outs
Some of the most useful commercial finance sits outside the everyday loan. SMSF loans let a self-managed super fund buy commercial property, often the very premises your business trades from. Business purchase finance, where you buy an existing operation, requires due diligence, financial records and lease agreements, and lenders look hard at the figures. Fit-out finance funds the renovation or equipment installation that turns a bare shell into a working space.
These are the scenarios where an experienced broker earns their keep. Andy has structured these deals through every kind of market Perth and Mandurah have thrown up, and he keeps working for you after settlement, for the next purchase and the one after that.
Why Work with Andy on Business Finance
An experienced, available, relationship-focused broker makes a real difference when the file is complex and the stakes are your livelihood.
Access You Don't Have Direct
A commercial finance broker reaches specialist lenders and wholesale commercial lending that aren’t available straight to borrowers.
Structured Around You
Andy structures commercial finance to minimise holding costs and keep it tax efficient, built on your whole position.
Plain-English Walkthroughs
Every loan document explained line by line, so you know what you are committing to before you sign.
He Answers the Phone
When something urgent comes up at settlement, you reach Andy directly, not a queue.
There for the Long Haul
Clients come back for the next premises, the refinance and the equipment upgrade, because the relationship doesn’t end at settlement.
No Franchise Template
You deal with Andy, not a junior processing your file while the senior chases new leads.
Business Finance Questions, Answered
As a rule of thumb, commercial property loans need a larger deposit than a home loan, often somewhere in the 20 to 40 per cent range depending on the property type, the lease and the lender. Andy can tell you where your scenario is likely to land before you start.
Yes. SMSF loans enable a self-managed super fund to purchase commercial property, and many business owners use this to buy the premises they trade from. The structure has rules around it, so it is worth getting the loan set up correctly from the start.
Commercial loan serviceability is assessed on your business financials, rental income, and industry risk, rather than a simple income multiple. Lenders usually want profit and loss statements, and often a director guarantee.
Andy’s service is generally paid by the lender via commission, which makes it free to most business borrowers. He’ll always be upfront about how he is paid before you proceed.
How It Works
A Quick Chat
Tell Andy what you are buying or funding. He looks at your whole position, no obligation.
The Right Lender
Andy compares commercial loans across banks, non-bank lenders and specialist financiers and explains the trade-offs.
Sign with Confidence
Every line walked through before you commit, then Andy stays on for the next deal.
Reviewed by
Credit Representative & Mortgage Broker
The information on this page has been reviewed for accuracy by Andy Iriks, a Credit Representative & Mortgage Broker at Wanna Finance. It is general information only.
