How do I get a business loan in Perth?

Apply online, connect or upload six months of bank statements, and our credit team reviews the trading pattern behind them. If it is a fit you receive an offer setting out the amount, the term and the single fixed repayment. Nothing is drawn until you accept it in writing.

Do you take security over my property?

A director's guarantee applies to every facility, which makes a director personally liable if the business does not repay. It is not a mortgage over your home. We set out what it means before you sign rather than leaving it in the schedule.

I supply the mining sector on 60 day terms. Does that work?

Yes, and it is a large share of what we see in Perth. Long payment terms from a creditworthy customer are a timing problem, not a credit problem. We read the bank statements to check the pattern is regular enough to carry a fixed repayment.

Do you lend outside Perth in regional Western Australia?

Yes. Eligibility is based on how the business trades rather than where it is registered, so operators in Rockingham, Bunbury, Geraldton, Kalgoorlie and Karratha apply on the same terms.

How much does it cost?

The cost is quoted as a total, in dollars, before you sign, rather than as a rate you have to reverse-engineer. There is a worked example on the home page, and the team can price a specific scenario for you.

Is this regulated consumer credit?

No. GreyRok provides business-purpose finance only. These loans are not regulated by the National Consumer Credit Protection Act 2009 and are not available for personal, domestic or household purposes.

PERTH BUSINESS LOANS

Business loans in Perth, assessed by people who pick up the phone.

Short-term working capital for established Perth businesses, $10,000 to $500,000, with one fixed repayment amount agreed before you sign.

Check my eligibility Speak to our team

Business-purpose lending only. Eligibility and approval criteria apply.

A cabinetmaker checking a carcass at the bench in his Australian joinery workshop

LOAN RANGE: $10,000 to $500,000
REPAYMENT: One fixed amount
DECISIONS BY: Our own credit team

How does a Perth business get short-term working capital?

A Perth business with an active ABN, six or more months of trading history and at least $10,000 a month in revenue can apply to GreyRok Capital for $10,000 to $500,000. The application is online, the assessment is made by our own Australian credit team rather than passed to a third party, and the repayment amount is fixed and shown in writing before anything is signed.

Who we fund

Perth businesses we lend to

Sector is rarely the deciding factor. Trading history, revenue and capacity to repay are.

Trades and subcontractors across the metropolitan area
Mining services and industrial suppliers in Kwinana, Henderson and Welshpool
Construction fit-out and civil contractors
Transport, freight and heavy haulage operators
Wholesale and equipment suppliers in Malaga, Wangara and Canning Vale
Healthcare and allied health practices across the metro
Hospitality operators in the CBD, Northbridge and Fremantle
Retail and e-commerce across Greater Perth

Why GreyRok

What Perth borrowers get from us

How we assess

Our own capital facility, so the credit decision is ours to make.
Bank statements read by an Australian credit team, not scored by a black box.
Funding sized to what the business can comfortably repay, not the maximum it could carry.
Seasonal and progress-payment cash flow understood on its own terms, which is most of what we see in Perth.

How it works for you

One fixed repayment amount, agreed upfront and unchanged for the term.
A director's guarantee, not a mortgage over your home, and we explain what it means before you sign.
An online application and a real person on 1300 070 666 when you want one.
Terms in plain English, with the total cost stated in dollars before you sign.

PERTH DEMAND

Why Perth SMEs are funding-active

Perth has more mining businesses than any other capital and an industrial base built around servicing them. It is a market where a single contract award can double a month's costs before it pays a cent, which is a funding problem rather than a trading one.

People in Greater Perth: 2.45MPeople in Greater Perth
Businesses in Greater Perth: 214,310Businesses in Greater Perth
Employing 1 to 19 people: 67,296Employing 1 to 19 people
Mining businesses, the most of any capital: 2,867Mining businesses, the most of any capital

The mining services chain runs on tier-one payment terms. A supplier that has just been awarded work mobilises crews, hires plant and buys consumables months before the first progress payment lands, and the size of the job is often what makes it hard to carry.

Construction is the largest sector in Perth by business count, and the industrial corridors through Kwinana, Henderson and Welshpool put fabrication and maintenance businesses on the same progress-claim cycle as the builders.

Distance adds a cost that eastern-state operators do not carry. Freight into and out of Western Australia stretches the time between paying a supplier and being paid by a customer, which widens the same gap rather than creating a new one.

Population: ABS Regional population, 2024-25, estimated resident population at 30 June 2025. Business counts: ABS Counts of Australian Businesses at 30 June 2025, via ABS Data by region.

Coverage

We lend across Greater Perth

The application is online and the assessment is based on how the business trades, so your suburb makes no difference to eligibility.

CBD and inner suburbs

Perth CBD
Northbridge
Subiaco
East Perth
Victoria Park
Leederville

North and coastal

Joondalup
Osborne Park
Balcatta
Wangara
Malaga
Scarborough

South and industrial

Fremantle
Cockburn
Canning Vale
Welshpool
Kwinana
Bibra Lake

Apply

Four questions decide whether Perth funding is a fit

Four short steps. Nothing proceeds until you have seen the terms and the fixed repayment amount in writing.

Start the application

Active ABN: Required
Trading history: 6+ months
Monthly revenue: From $10,000
Purpose: Business only

FAQ

Perth business loan questions

More for Perth businesses

Rockingham business loansThe same facility in Rockingham Adelaide business loansThe same facility in Adelaide Worked exampleWhat a facility costs, in dollars For brokersSubmit a Perth deal to our desk

Ready to fund the next job in Perth?

Check your eligibility in about two minutes, or call the team on 1300 070 666 and talk it through first.

Check my eligibility Talk to our team