How a Commercial Finance Broker Gets You More Options Than Your Bank

When a business needs finance, the instinct is to walk into the bank you already use. The trouble is, that bank can only ever offer you one thing, its own products, judged by its own rules. Andy has been broking since 2000, and the real value he brings to business clients is choice: if one lender says no or quotes a poor rate, there are plenty more to ask.

The Bank’s Built-In Limit

A bank is limited to a single lender policy with standardised commercial lending criteria. If your business does not fit the box, your application struggles, and the bank has no incentive to send you elsewhere. It is a bit like asking a mechanic who only sells one brand of car which car you should buy.

What a Broker Opens Up

Commercial finance brokers access 30-plus lenders, including specialist commercial lenders unavailable through direct bank applications. That means if the major banks are not the right fit, there is a deep bench of regional banks, credit unions and private lenders to turn to. The broker lender panel includes major banks, regional banks, credit unions and private lenders.

Flexibility for Tricky Deals

Specialist commercial lenders offer flexible approval for unique property types and complex business scenarios. Got an unusual property, a newer business, or income that is lumpy through the year? Those are exactly the deals that fall over at a bank but find a home with the right specialist lender.

Structuring the Complex Stuff

Brokers structure SMSF loans, cross-collateralised portfolios and low-doc commercial finance, the kind of deals that need real expertise to set up well. Getting the structure right from the start protects your borrowing capacity and your tax position down the track. See SMSF loans for commercial property for more.

Better Rates, Not Just More Options

It is not only about access. Andy negotiates better commercial rates and terms than borrowers can secure directly, because he knows where each lender sits and can play them off against one another on your behalf. A bank has no reason to sharpen its pencil if it is the only one at the table.

How Andy Helps

Andy looks at your whole position, matches you to the lenders most likely to say yes at a good rate, and handles the back-and-forth so you can run your business. See the business finance broker page, plus commercial property loans and small business loans, then get in touch.

Commercial Broker Questions

Why not just go to my own bank?

Your bank can only offer its own products judged by its own rules. A broker compares 30-plus lenders, so if one declines or quotes poorly, there are alternatives.

Can a broker help with an unusual commercial deal?

Yes. Specialist lenders cater for unique property types and complex scenarios that banks often will not touch. Andy knows which lenders suit which deals.

Does a broker get a better rate?

Often, yes. Andy negotiates across the market, and competition between lenders works in your favour in a way a single bank has no reason to match.

Andy Iriks

Credit Representative & Mortgage Broker

Hi, I’m Andy Iriks, a Mortgage Broker from Mandurah and Finance Manager at Wanna Finance.

I’m proud to call Mandurah home and truly appreciate the incredible lifestyle this community offers. Since founding Wanna Finance on January 29, 2000, I’ve had the privilege of helping thousands of clients find tailored solutions for their property and business finance needs.

Over the years, I’ve worked with a wide range of clients – from first-home buyers and growing families upgrading their homes, to investors expanding their portfolios and business owners seeking commercial finance. I value the trust my clients place in me and take pride in delivering personalised service and reliable advice every step of the way.

If you’re looking for guidance with your home, investment, or business finance, feel free to get in touch – I’d be happy to help you achieve your goals.

Facebook Linkedin