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Start-Up & New Business Finance

Finance for a Business That's Just Getting Started with Andy
File Done Right Business plan and cash flow projections presented the way lenders want to see them.
Lenders Who Say Yes Alternative lenders that approve start-ups more flexibly than traditional banks.
Guided Start to Finish Andy walks you through every requirement so nothing trips up the application.
Limited trading history doesn't have to mean a flat no. Andy knows which lenders back new ventures and how to present your file.

This page is about commercial finance for new businesses in Mandurah and across WA. Start-ups and early-stage businesses can still access funding despite limited trading history, and Andy guides new owners through the documentation and lender selection so a young business gets a fair hearing.

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Andy made it straightforward and simple and represented us in a way that put our best foot forward.
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Nigel Eber

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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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Pauline SS

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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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Terrance Shein

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Andy made our refinancing and purchase of a new home seamless and within our guidlines.
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What Lenders Look For

It's Not All About Trading History

New business finance requires a detailed business plan, cash flow projections, and personal financial strength. Without years of trade to point to, lenders assess founder experience, industry knowledge, and your personal asset position instead. A strong founder with a clear plan can still get across the line.

Because the risk sits higher, new business loans typically require larger deposits and personal guarantees to offset the lack of trading history. That sounds daunting, but it is just how the early stage works. Andy explains exactly what each lender wants and helps you put your strongest case forward.

Get Your File Started

We query over 30 lenders to find an outcome that’s right for you

Where Banks Stop, Others Start

Traditional banks tend to be cautious with start-ups, but they are not the only option. Alternative lenders provide more flexible approval for start-ups than traditional banks, weighing your plan, your experience and your personal position rather than insisting on two years of accounts.

Knowing which lender to approach is half the battle, and approaching the wrong one can leave a mark on your file. Andy guides new business owners through documentation requirements and lender selection, so your first application is your best one. If something is uncertain, he keeps the advice practical rather than over-promising.

A young business isn't a risky business. It just needs the file presented to the right lender, the right way.

A young business isn't a risky business. It just needs the file presented to the right lender, the right way.

What You'll Usually Need

  • Business planClear, realistic and specific
  • Cash flow projectionsHow the money moves in year one
  • Personal financialsAssets, liabilities and security
  • Founder experienceYour track record in the industry
  • Deposit & guaranteesOften larger for new ventures
Getting Ready

The Paperwork, Made Simple

The list of documents can feel like filling out a long form at the doctor’s surgery, more straightforward once someone tells you which boxes actually matter. Andy walks you through what each lender needs so you spend your energy on the business, not the admin.

Why New Owners Choose Andy

Starting out is stressful enough. An experienced, available broker takes the finance worry off your plate.

He Knows the Lenders

Andy points you to the alternative and mainstream lenders most likely to back a start-up.

Your File, Presented Well

Business plan and projections framed the way lenders assess them, not against you.

Lowers the Pressure

A lot of Andy’s value is calming things down. This is easier than you think.

Available When It Counts

Got an urgent question at night before a deadline? Andy answers.

Decades of Experience

Broking since 2000, so he has seen new businesses funded in every market.

There as You Grow

From your first loan to your next premises, Andy keeps working for you.

New Business Finance FAQs

Yes. Commercial finance for new businesses enables start-ups and early-stage businesses to access funding despite limited trading history. Lenders weigh your business plan, founder experience and personal position.

New business finance requires a detailed business plan, cash flow projections, and personal financial strength. Many lenders also want a larger deposit and personal guarantees to offset the lack of trading history.

Often yes. New business loans typically require personal guarantees because there is little trading history for the lender to assess. Andy explains exactly what is being asked before you agree to anything.

There are. Alternative lenders provide more flexible approval for start-ups than traditional banks, and Andy guides new business owners through which lender to approach.

Andy Iriks, Credit Representative & Mortgage Broker

Reviewed by

Andy Iriks

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.

Getting a New Business Off the Ground?

Getting a New Business Off the Ground?

Have a chat with Andy about funding your start-up. He’ll tell you where you stand and which lenders to approach, in plain English.

Book a Chat with Andy