Business Loans That Fit the Way You Work
Whether you’re running a small startup, a growing online brand or a multi-site operation, the right finance lets you hire, buy, upgrade and smooth out cash flow. Pilbara Finance looks at your numbers, then searches a wide panel of bank and non-bank lenders to find business loan options that match your goals, risk appetite and how your cash actually comes in.
Unsecured Business Loan
short-term cashflow from $5k–$500k
Invoice / Trade Finance
release funds from unpaid invoices or supplier credit
Vehicle Finance
cars, vans, trucks, or fleets tailored for business
Cash Flow Loan
cover urgent expenses or seasonal slowdowns
Fitout Loan
finance for shop, office or hospitality refurbishments
Debt Consolidation
roll multiple loans into one simple repayment
Who We Help
From solo operators to established companies, we work with businesses at every stage and across most industries.
Startups & New Businesses
Getting your first proper vehicle, fit-out or cash buffer in place so you can move from idea to income.
Growing Small Businesses
Shops, cafés, online brands and local service providers ready to hire, upgrade or open a second location.
Tradies & Contractors
Sparkies, plumbers, chippies, earthworks crews and other tradies needing utes, gear or working capital for bigger jobs.
Mining & Industrial Services
FIFO operators, shutdown specialists and suppliers to the resources sector who live with lumpy, project-based income.
Professional & Service Businesses
Accountants, consultants, agencies, health & wellness clinics and other service businesses needing stable cash flow and upgrades.
Investors & Property-Linked Businesses
Property investors, small developers and commercial owners needing funds for upgrades, fit-outs or business opportunities.
Why Businesses Work With Pilbara Finance
Straight-talking brokers helping Aussie businesses get finance that fits how they really operate.
60+ Lenders on the Table
Banks, non-banks and specialist business lenders – we scan the lot so you're not stuck with just your main bank.
From Small Top-Ups to Bigger Deals
Whether you need a $20k cash buffer or a larger commercial facility, we'll shape the loan around your business plans.
Fast, Practical Turnarounds
Some lenders can move in days, others take longer. We'll aim for the quickest option that still makes sense for your situation.
Flexible Structures
Secured, unsecured, asset finance, overdrafts and more – we match the structure to your cash flow, not the other way round.
Hands-On Broker Support
We help with paperwork, numbers and lender negotiations so you can stay focused on running the business.
You Stay in Control
We lay out the options in plain English so you can choose the deal that fits your risk level and growth plans.
Find the Right Loan Fast – Compare 60+ Lenders Today
Our broker network gives you access to over 60 trusted lenders, so you can compare options and secure the best solution for your business finance needs – all in one place.
Getting Business Finance Sorted Is Simple
We keep the process straight-forward so you can stay focused on running the business while we deal with the lenders.
Most lenders will want to see:
- An active ABN or ACN
- At least 6–12 months of trading (there are options for newer businesses too)
- A minimum level of monthly revenue
If you're not sure you tick every box, still reach out – some lenders are more flexible than others.
Enquire
Tell us about your business and what you're trying to do. One quick chat or simple form gets things moving.
Compare
We look at 60+ lenders and short-list the business loan options that actually fit your numbers and goals.
Get Funded
You choose the option you're comfortable with, we handle the paperwork, and funds are released once the lender signs off.
What Lenders Look At
ABN or ACN
Active Australian ABN or ACN in the name of the business applying.
Business Turnover
Many options start from around $5k–$10k per month in revenue. Higher turnover opens more doors.
Time in Business
The more history, the better. Some lenders will look at 3+ months trading, others prefer 1–2 years.
Basic Documentation
ID plus a mix of bank statements, BAS and financials – what's needed depends on the lender and loan size.
Security & Deal Size
Smaller loans can often be done unsecured. Larger or commercial deals may need property or other assets as security.
Business Loans — FAQs
What types of business loans can you arrange?
We work with a wide range of lenders, so we can help with:
- Secured and unsecured business loans
- Vehicle and equipment finance (utes, trucks, machines, tools)
- Cash flow / working capital facilities
- Overdrafts and lines of credit
- Invoice / trade finance (using unpaid invoices as security)
- Some short-term and private lending options for time-sensitive deals
How fast can I get approved and funded?
Many small loans can be approved in 24–48 hours once we have the basics. Larger or secured facilities can take longer depending on lender and documents.
How much can I borrow?
From $5k–$2m for business loans, and up to $10m for commercial/private lending (subject to lender criteria, security and serviceability).
Do I need perfect credit to get approved?
No. We work with lenders that consider a range of credit profiles. We’ll place your application where you have the best chance of approval.
What will my repayments look like?
Options include daily/weekly/fortnightly/monthly depending on product and lender. We’ll show you scenarios so you can choose what fits cash flow.
What documents will I need?
Typically ID and bank statements. Some products may need BAS or financials. For larger commercial/private deals, expect project details and security info.
Are bank statements required for every loan?
Generally only for loans over $200k. Many smaller facilities can proceed with minimal documentation (subject to lender requirements).
Will applying affect my credit score?
We start with the lightest-touch approach. We’ll explain before any lender runs a credit check, and we avoid multiple unnecessary enquiries.
Do you charge broker fees?
Often the lender pays us. If a client fee applies for your scenario, we’ll disclose it clearly before you proceed.
Am I obliged to proceed after reviewing options?
No. You can review your tailored options and only proceed if you’re happy.
Ready to Talk About Your Next Move?
If you've got a plan, a problem or just a rough idea, we're happy to jump in and run the numbers with you. No pressure, no jargon – just straight answers about what's possible and what isn't.
Connect With Us
Hey! Connect us with (08) 9122 3929, or email us through office@pilbara.finance, or fill the following form. We will contact you back within 1 hour or prior.
Get In Touch
Send Us a Message
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Ready to get your business funded?
One application. 60+ lenders. Expert support.
