Tell us what you're working towards — a bigger contract, a new vehicle, a second site, smoother cash flow — and we'll come back with a finance plan that actually works for your business. Fast, straight-up, and built around how your business really runs.
Most business owners we talk to have already had a crack at sorting their own finance — through their main bank, through a broker who didn't return their calls, or through a fintech ad they tapped at midnight. Some got a yes. Plenty got a no. Either way, they end up calling us because they want to know what's actually possible — without spending another fortnight chasing it down.
We're good at this. We listen properly, ask the right questions, and come back with options inside a day or two — including the ones your main bank wouldn't have thought to mention. Whether it's $20,000 to ride out a slow quarter or a multi-million dollar growth play, the conversation starts the same way: tell us what you're trying to do, and we'll work out how.
Their main bank said no after nine years. Pilbara stitched three lenders together and settled $290K in eleven days.
Three things we get right that most business owners aren't getting from their main bank.
A 'no' from your main bank usually doesn't mean nobody will lend — it means that bank won't, on those terms, with that paperwork. We work across a wide panel of lenders who all have different appetites, different policies, and different things they're happy to overlook. If there's a way to make your deal work, we'll find it. If there genuinely isn't, we'll tell you straight what would need to change for it to be a yes.
Some deals can be turned around in 24–48 hours. Others need a week or two of proper structuring to get the right answer. We don't pretend everything is fast and we don't drag things out — we tell you up front how long it'll take and we hit the timeline.
Cash flow doesn't move in a straight line. FIFO contracts pay lumpy. Hospitality has slow months. Trades win a big job and need to fund the materials before getting paid. The right structure has to flex around that — we've structured finance for hundreds of WA businesses across every kind of cash flow shape.
The big banks lend off standardised credit policy. Specialist and non-bank lenders look at the actual story behind the numbers. We compare across both — so the option that fits your business is the one you see, not just the one your bank tried to sell you.
Three quick steps. We do the heavy lifting, you stay focused on running the business.
Quick chat — phone, video, or in person. Tell us what you need the finance for, roughly how much, and what your business looks like. We come back with a fast read on what's realistic. No commitment, no credit checks at this stage.
We compare across our specialist panel and come back with the best two or three options for your situation, side by side. Rate, structure, repayments, fine print — laid out clearly. We tell you which one we'd go with and why.
We package the deal properly so it sails through assessment, deal with the lender follow-ups, and keep you updated through to settlement. Most straightforward deals settle in days; more complex ones in a couple of weeks.
Tell us a few quick details. We'll show your indicative monthly repayment, total interest, and how secured vs unsecured stack up side by side.
Trading history and turnover drive which lenders fit and what rate they'll quote.
Loan amount and purpose. Purpose changes which structures fit best.
Security type and term decide your rate band and your monthly repayment.
Property-secured gets the sharpest rates. Asset-secured (debentures, AR, equipment) sits in the middle. Unsecured is fastest to settle but priced for the risk.
We'll pre-select an indicative rate based on your security and profile. Tweak if you want.
Indicative bands — Property-secured 7.49–9.49%, Asset-secured 8.99–11.49%, Unsecured 11.99–16.99%. Stronger profiles land at the lower end.
Estimate at the chosen rate. Real pricing depends on lender, profile and supporting docs.
Same loan amount, same term — only the rate band changes by security type. Mid-band indicative pricing only; your actual quote depends on lender appetite for your industry, your profile, and how clean the file is on submission.
Have a quick chat with a Pilbara Finance broker. We'll match you to the right lender, structure the security to keep the rate sharp, and have indicative approval inside a few business days.
Estimates only. This calculator does not assess credit and is not a credit offer. Indicative rates reflect typical mid-2026 ranges by security type; actual pricing depends on lender, structure, trading history, security and your business profile. Pilbara Equities Pty Ltd, CRN 478535, of Mortgage Specialists Pty Ltd, ACL 387025.
Six things we wish every business owner knew before they walked into their main bank.
Most lenders look at three things to decide what they'll lend: how long you've been trading, your monthly turnover, and what kind of security you can offer. Strong on all three? You're looking at sharper rates and bigger limits. Lighter on one or two? There are still plenty of options — they just sit with different lenders.
The honest answer to "how much can I borrow?" is "let's run your numbers and tell you exactly". We'll do that on the first call.
If you need money in your account this week, there are lenders who can deliver — but they price for the speed. If you've got a fortnight, you'll usually get a sharper rate. The trick is matching the urgency to the right type of facility.
We'll tell you straight whether your timeline genuinely needs the fast-money option or whether a few extra days saves you serious dollars on rate. Most of the time, taking the slightly slower path is the smarter call.
Big banks lend off the same standardised credit policies — your file gets dropped into a credit model that says yes or no based on a handful of inputs. If anything in your file falls outside the lines (a recent dip in turnover, a shorter trading history, an unusual industry, a small mark on the file from years ago), the model says no and the conversation ends.
Specialist lenders work differently — they look at your actual story, talk to us about how the business operates, and assess the deal on its merits. A no from a big bank isn't a verdict — it's a starting point.
A FIFO contractor with $1.5M turnover paid quarterly looks completely different on paper to a café with $1.5M turnover that comes in steady week by week — even though both businesses are the same size. Lenders treat them differently, and the right structure for each is different.
We've worked with the lumpy, the seasonal, the project-based and the brand-new. Whatever shape your cash flow takes, there's a structure that suits it. We'll find the one that does.
From 1 July 2026, employers have to pay super contributions every pay run instead of quarterly. For a lot of small businesses, that's going to tighten cash flow noticeably — especially if you've been holding super in the operating account between payments.
We're already helping clients position for it: small working capital lines, structured to absorb the change without anyone losing sleep. Worth a chat now if you've got a payroll above $300,000 a year.
Lenders sharpen their pricing constantly, and the rate you got two years ago might be well above where the market sits now. If you've had a business loan running for a couple of years and it hasn't been reviewed, give us 15 minutes and a copy of the current rate.
We'll tell you straight whether it's worth refinancing, holding, or just renegotiating with your existing lender. No charge for the review.
How we got Mark and Kelly's plumbing business sorted when their main bank had already said no.
Mark and Kelly had just won a big strata maintenance contract that would lift turnover by about $400,000 — but to deliver it they needed two new utes fitted out, plus a working capital buffer to cover materials before the strata invoices cleared. They also had an old 2022 equipment loan sitting well above current market rates. Total need: around $290,000. Their main bank — where they'd banked for nine years — said no, flagging the recent jump in turnover as a "concern" and asking for two more years of stable financials.
25-minute call Wednesday afternoon. By Friday lunchtime we'd structured three pieces: $90K vehicle finance for the two utes with a specialist asset finance lender, a $150K working capital line with a non-bank actively pricing to win plumbing trade work in WA, and a refinance of the existing $50K equipment loan at a sharper rate with a third lender. All three settled within 11 business days. They started the strata contract on schedule.
Names changed, situation real. Numbers based on actual lender pricing as at March 2026.
The questions that come up on every first call.
Send us a quick rundown of what you're trying to fund and what your business looks like. We'll come back inside a couple of business hours with a clear read on what's possible.
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Send through what you're trying to fund — the rough number, the timeline, and a sentence or two about your business. We'll come back fast with a clear read on what's possible, what it'd cost, and what we'd need to make it happen. If we can't get the deal done, we'll tell you what would need to change so it can.
"Knew every lender on the panel and made refinancing genuinely easy. Saved us a heap."
Buying, building or refinancing commercial property — offices, warehouses, retail, mixed-use.
Learn moreUtes, vans, trucks, trailers — we move quickly on asset finance for trades and contractors.
Learn morePlant, machinery, fitouts, tools of trade — structured to match how the asset earns its keep.
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