Business
Loans Perth
Commercial property, equipment and working capital — arranged by brokers who speak both bank and small business.
24–48h
Typical equipment finance approval
Is this you?
You're buying your premises instead of renting someone else's.
You need equipment or vehicles working for you this month, not next quarter.
Cash flow is tight in the gap between paying suppliers and getting paid.
Your bank said no — or said yes too slowly to be useful.
Sound familiar? A free 15-minute chat is the fastest way to see your options — book one here.
How TAG helps WA businesses
Speed when it matters
Equipment finance approvals typically land within 24–48 hours. When a machine dies or a deal needs settling, that speed is the difference between winning and waiting.
Lenders beyond the big four
Specialist commercial funders often say yes where banks hesitate — and at sharper terms. We know which lender suits which industry and deal size.
Low-doc options that actually work
Self-employed with a healthy business but messy paperwork? Low-doc products use BAS statements or accountant declarations instead of full financials.
Structured around your cash flow
Seasonal repayments, balloon payments, interest-only periods — commercial lending is flexible if it's set up by someone who knows the levers.
TAG Finance has a dedicated business finance capability with deep relationships across the commercial lending market. Our commercial team understands how to present business lending applications to maximise approval probability. For Perth tradies and business owners, the right equipment finance structure — chattel mortgage, hire purchase, or novated lease — significantly impacts your tax position. Chattel mortgage provides immediate GST input tax credit and depreciation deductions. Equipment and vehicle finance approvals are typically achieved within 24–48 hours for straightforward applications.
Types Available
Commercial Property Loan
Purchase or refinance business premises. Up to 70–80% LVR. Interest fully tax-deductible.
Equipment / Chattel Mortgage
Own from day one. Claim full GST input tax credit immediately. Claim depreciation and interest deductions.
Hire Purchase
The lender purchases the asset and hires it to you. GST payable on each instalment. Suits businesses not registered for GST.
Working Capital / Overdraft
Revolving credit facilities to manage cash flow gaps, seasonal fluctuations, and short-term funding needs.
How business finance works with TAG
Chat
Fifteen minutes on the deal, the timing and your numbers.
Match
We shortlist lenders whose policy and pricing fit your industry and deal.
Approve
Equipment in 24–48 hours; property and complex deals in days, not months.
Settle
Funds land, and we stay across your facilities as your business grows.
Run your numbers
Indicative market rates as at 19/07/2026: variable 5.80%–6.20% · 1yr fixed ~5.75%. Actual rates depend on your circumstances.
Monthly Repayment
$3,555
- Total Interest
- $679,793
- Total Repaid
- $1,279,793
Estimate only — not a formal assessment or loan offer. Results use simplified assumptions; your actual position depends on your full circumstances. Speak to a TAG broker for a free, personalised assessment.
Business finance terms, without the suit-speak
A commercial property loan works like a home loan for business premises — lenders typically fund 70–80% of the property's value (the LVR), with the rest as your deposit or equity.
Working capital finance — overdrafts, lines of credit and invoice finance — bridges the gap between paying your costs and being paid. Invoice finance advances you most of an unpaid invoice's value immediately.
A balloon payment is a lump sum left at the end of an equipment loan to lower the monthly repayments along the way — useful when the asset will be sold or refinanced at the end of its term.
Proof, not promises
Jarrod Smith — MFAA WA Commercial and Equipment Finance Broker of the Year 2026.
“Five-star service from all involved, what a team!... I know my needs are never straight forward and you guys always have great patience and persist.”
“This is our 3rd time using Tag Finance for purchasing property and the reason is simple, they go above and beyond.”
Common Questions
How fast can a business loan be approved?
Equipment and vehicle finance is typically approved within 24–48 hours. Unsecured working capital can be similar. Commercial property loans take longer — usually 2–4 weeks — because of valuations. If you have a deadline, tell us first and we'll pick lenders that can hit it.
Can I get business finance without full financials?
Often, yes. Low-doc options use your BAS statements, bank statements or an accountant's declaration instead of complete financial statements. Rates can be slightly higher, so we always check whether a full-doc application with the right lender beats a low-doc one first.
How much deposit do I need for a commercial property?
Usually 20–30% — lenders fund 70–80% of a commercial property's value, and sometimes more for owner-occupiers or medical/professional premises. Equity in other property can often stand in for a cash deposit.
Should I buy equipment outright or finance it?
Financing keeps your cash working in the business while the equipment pays for itself — and interest is generally tax-deductible for business use (confirm with your accountant). A chattel mortgage is the most common structure: you own the asset from day one, the lender holds security over it.
My bank declined my business loan — is that the end of it?
No. Banks decline for policy reasons that other lenders don't share — industry type, time trading, or how income shows on paper. Specialist commercial funders exist precisely for these cases. A decline with one lender is information, not a verdict.
What does a commercial finance broker cost?
For most equipment and vehicle deals, nothing — the lender pays us. For some commercial property or complex transactions a fee may apply, and if so we disclose it before you engage us, in writing. No surprises.
Tell us the deal — we'll find the finance
Same-day response from a commercial specialist. Free for most transactions.
The information on this page is general in nature and doesn’t take into account your objectives, financial situation or needs. Consider whether it’s appropriate for your circumstances before acting on it. TAG Financial Group — Transact Holdings 1 Pty. Ltd., Australian Credit Licence 405647. Our Credit Guide explains how we’re paid and how we work for you.