Need funding advice? Request a free consultation or call 0400 844 698 (08:30 - 17:00 WA time) Call 0400 844 698 (08:30 - 17:00 WA time)

What Our Clients Say

“Many thanks Jaime for your assistance with our business loan. It was a pleasure dealing with you and would be happy to recommend to my family and friends.”

★★★★★
— Cara

“Very satisfied with the service. Jaime has a lot of experience and he took my case with great care and attention to detail. I highly recommend it!”

★★★★★
— Wilder

“Jamie provided a first class service in assisting us with our home loan. He was quick to respond to our questions and could provide detailed information about our options.”

★★★★★
— Carlos

“He is literally the best, an excellent customer service. He helped me with everything. I definitely recommend.”

★★★★★
— Vicente

“Jaime is professional, responsive, knowledgeable about various services and passionate about helping his clients.”

★★★★★
— Stephanie

“Jaime was 10/10. If you want to know the best deal for your budget, you are in the right place!”

★★★★★
— Judelia

Business Loan Types

Flexible finance options tailored to your stage of growth—from everyday cash flow to major expansion. Explore the most common solutions below.

Handshake over signed loan documents

Term Loans

A lump sum provided upfront and repaid over a fixed term with interest. Best for larger, planned investments.

Credit card and laptop representing flexible funds

Line of Credit

A flexible facility allowing you to draw funds as needed, up to a set limit. Good for short-term cash flow needs.

Construction equipment and vehicles

Equipment Financing

Specifically used to purchase equipment, vehicles, or other business assets.

Modern commercial building

Commercial Property Loans

Funding to purchase or refinance commercial real estate, such as offices or warehouses.

Financial charts on laptop showing cash flow

Business Cash Flow Lending

Unsecured loans designed to help manage operating expenses and working capital shortfalls.

Franchise café storefront

Franchise Loans

Loans tailored for starting, expanding, or operating a franchise, often secured against business assets.

Invoices and paperwork on desk

Invoice Finance

Borrow against outstanding invoices to unlock cash tied up in receivables.

Shipping containers at port

International Trade Finance

Supports importing & exporting—helping manage payments, shipping, and currency risks.

Compare Your Options

Key Business Lenders

We work with a wide range of lenders—from the major banks to specialised second-tier providers—so you get options that match your business and risk profile.

Commonwealth Bank
Commonwealth Bank
Westpac
Westpac
ANZ
ANZ
NAB
NAB
Suncorp
Suncorp

Second tier Lenders

Second-tier business lenders, often referred to as non-bank lenders, are financial institutions that do not hold a banking license but offer various lending services, including business loans. They source their funds from wholesale markets or are funded by larger banks, and they provide an alternative to the major banks, often with more flexible lending criteria and competitive rates.

Pepper Money
Pepper Money
Liberty Financial
Liberty Financial
Bluestone
Bluestone
Dinamoney
Dinamoney
Prospa
Prospa

These lenders are known for catering to businesses that may have unconventional borrowing needs, such as those with irregular income patterns, new businesses, or those with less-than-perfect credit histories. They offer various loan products, including term loans, lines of credit, and equipment finance.

Steps to Apply for a Business Loan

A clear path from idea to approval. We can support you through each step.

1

Evaluate Your Needs

  • Determine the amount needed and the purpose of the loan.
  • Assess your ability to repay the loan.
2

Check Eligibility

  • We will ensure that your business meets the lender’s criteria (e.g., credit score, revenue, business history).
3

Gather Documentation

  • Financial statements, tax returns, business plan, identification, and proof of collateral (if required).
4

Compare Loan Options

  • We will compare interest rates, fees, repayment terms, and loan amounts from different lenders.
5

Apply for Pre-Approval

  • We can get a pre-approval from some lenders to give you an idea of the loan amount and terms you qualify for.
6

Submit Your Application

  • We will complete the application accurately and provide all required documents.

Additional Tips

  • Consult a Financial Advisor: Get professional advice to understand the best loan options for your business.
  • Improve Your Credit Score: A higher credit score can help you secure better rates and loan terms.
  • Prepare a Solid Business Plan: Demonstrate to lenders that you have a clear strategy for using the loan and repaying it.

If you need specific information on lenders or loan products, feel free to ask us!

Why Choose Scarborough Finance

You bring the goals. We bring the lending know-how, the lender network, and the momentum to get you funded—without the stress.

Tailored, Broker-Led Strategy

We learn your business inside out and structure the right facility—term loan, line of credit, equipment, or property—so it fits cash flow and plans.

Access to Banks & Specialists

From major banks to second-tier lenders, we compare options and negotiate competitive rates and terms on your behalf.

Fast, Clear Process

We keep the paperwork light, timelines clear, and communication proactive—so approvals don’t stall your growth.

Transparent Guidance

No jargon, no surprises. We outline fees, requirements, and next steps up front so you can decide with confidence.

WA-Based, Client-First

Local insight and availability when you need it. We’re here during business hours and responsive throughout.

Proven by 5-Star Reviews

Our clients consistently rate us 5.0★ for service, speed, and results—because we take your outcome personally.