commercial finance broking

The value in commercial finance broking

A large successful well-established family business for over 50 years was purchasing property for $4.4 million. They had been with their incumbent Bank for as long as they’d been in business. They had no debt and a squeaky-clean record – a model business and client in every aspect.

The first conversation with their Bank was positive and they were quoted an interest rate of 4.91%.The client then got in touch with a Pacific Finance Commercial Broker who went to the market on the client’s behalf. Pacific Finance was able to secure an interest rate of 3.74%.

The client ended up staying with their bank and were able to get a rate reduction through Broker negotiations. This translated into a $56,160 savings per year and $280,800 in savings over 5 years.

Commercial finance broking

In commercial finance broking, we find that most clients finance facilities can be improved in pricing and more importantly in structuring. Generally the Banks cross-collateralise and take additional security beyond what they otherwise need to. Sometimes and critically, they don’t offer the full range of products that may be required in an optimum strategic portfolio debt stack.

There is a significant advantage in using a commercial finance broker –  Pacific Finance has Brokers who specialise in understanding all business situations and deliver strong outcomes for clients, just like the above example. Facility reviews are relatively easy to do and will not take very long either. Below is a list of the documents we’d use to determine how we might assist a client.

Documents required in the business & personal banking review

  • Business financial report (prepared by your accountant) – Most recent completed profit & loss and balance sheet. For personal reviews – most recent tax return.
  • Management reports – Interim profit & loss for the current financial year, aged accounts receivable and accounts payable.
  • Commitments schedule – Equipment (other than term loans)
  • Loan schedule – Any term loans including your home mortgages with most recent bank statements, specific loan terms and covenants such as security
  • Directors – Personal statement of position
  • ATO – Current portal reports for integrated client account and income tax account
  • Future needs – Succession, expansion, etc.

Let us negotiate on your behalf to help you secure better interest rates. Contact your Pacific Finance Australia Broker on 08 9321 2120 or send us an email for more information – [email protected] 

How Can We Help You Save?

Interest rates in Australia are lower than ever. If you have not already spoken to one of our Pacific Finance brokers about reviewing your existing mortgages with a view to decreasing your loan repayments, as well as considering your wealth creation opportunities, now is the time! We have financial solutions to suit the first home buyer, as well as tailoring finances for astute investors and building wealth for the long term.

Loan Repayments
Only include numeric figures into the form eg. no dollar signs, commas or percentage rates.

The home loan calculators are intended as a guide only based upon the examples given. To find out your repayments please speak to one of our accredited mortgage brokers.


First home buyers, now is the time to get into the market! While rates are at an all-time low there may be opportunities to fix your loans for three or five year periods at under 4 per cent per annum. Let Pacific Finance help you explore the available options. Low rates will not be around forever, so act now!

 REFINANCE Business people shaking hands, finishing up a meeting

Do you know what your current interest rate is? If the answer is no, you’re probably paying too much. Low interest rates offer an opportunity to refinance or revise your payment schedule to pay your loan off sooner. To review your current home loan at no cost, talk to one of our professionals at Pacific Finance.

PROPERTY INVESTMENTArchitectural details of modern apartment building.

The Perth property market has continued to evolve after the mining energy resource boom. This has left Perth home buyers and investors with a rare opportunity to take advantage of the softened market prices teamed with record low interest rates. Here at Pacific Finance, we work closely with our clients to structure the most effective and efficient loan facilities to acquire and hold property. You can rest assured that we will find the best suited lender to make sure you get the highest return possible.


Car Finance Perth

Automation vs Innovation: The Future of Finance

We’re sorry – were you expecting an obvious headline like:Banks vs Brokers: Who should you chose?

Yawn! At Pacific Finance, we see it a different way – we think that in an ever-changing world, the innovators will be the big winners, leaving automation in their wake. So when looking at your financial needs and what is the best option for you, it’s quite clear that innovation will be your best approach.

Automation – just another number

Banks are transactional. They deal with millions of clients, meaning their processes need to be highly automated. While it can be comforting knowing you can easily slip into their system with little fuss, the downside is that you become just another number.

Innovation – personalised finance

With the current economic environment being so tough, we are all working harder to build our businesses and make them sustainable. That’s where innovative finance brokers can help – they have access to dozens of different loan products, some which the banks cannot offer and they’re willing to go the extra mile, using the latest online tools to monitor current and future trends. With their insights, you could find that your loan could be more personalised and customised to your business’ needs.

At Pacific Finance, we constantly analyse loan trends for SME’s to large corporate companies in different industries – creating profiles that innovatively tailor our lending solutions to make them the most relevant and competitive in market.

Time to reassess your finances?

With interest rates currently at extreme lows, now is the perfect opportunity to sense-check your current position and ensure you are maximising the best tools and offers in the market. Whether you’re looking to upgrade equipment, expand your fleet or manage your cash-flow, now is the time to contact your trusted Pacific Finance broker to receive an OBLIGATION FREE QUOTE.

Pacific Finance: Equipment Finance is What We Do

When we look back over the years of working with our customers, we don’t look at the number of loans we have helped with, but instead we look at how we have helped businesses grow and the current health of their business today.

As one of WA’s leading plant and equipment providers of finance, we can tell you there is no one-size-fits-all strategy for businesses when deciding to borrow for equipment.

The main benefit of our services for clients is to achieve:

  • Lower monthly repayments through finding the best market relevant finance
  • Upgrade equipment to avoid obsolescence
  • Conserve working capital
  • Tax incentives

A common trend we are finding with our clients however is keeping up with the Jones’, particularly in a business sense. Innovation and technology has never been such a critical piece of the business puzzle. Offering the latest in technology is not only appealing to clients’ business prospects, but also offers increased productivity.

Our years of experience at Pacific Finance not only makes us the people to speak to regarding financing, in particular plant and equipment finance, we actually like to think we are equipment specialists. Putting off changes to your equipment today can have some pretty detrimental effects down the track and with current interest rates being so low, it makes sense to review your current situation with a Pacific Finance representative.

In the great words of Tom Peters – “If it ain’t broke, break it (or someone else will break it for you).”