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Business & Commercial

Whether you’re launching a new venture, growing your operations, or navigating day-to-day cash flow, the right finance can help you move forward with confidence. At Pacific Horizon Finance, we take the time to understand your business and connect you with lending solutions that truly fit.

Tell us about your business needs

Running a business takes grit, vision, and resilience—and the right finance can make all the difference. Whether you’re self-employed, growing your operations, or managing seasonal shifts, Pacific Horizon Finance helps you access funding with clarity and confidence.

So, why do business owners seek finance?

Purchase property or premises

Manage cash flow or expenses.

Buy vehicles, equipment, or stock.

Expand or acquire a business.

Invest in marketing or staff.

Bridge short-term income gaps.

Lending Options to Suit Your Needs

Access More Lenders, Find Better Fit

We work with over 60 lenders—including banks, fintechs, and private providers—many of whom don’t deal directly with the public. That means more options and better outcomes for your business.

Choice of over 60 lenders

Loan terms
3 months to 15+ years

Interest rates
Fixed or variable

Repayments
Interest-only or P&I

Eligibility
Typically 12+ months trading

Fees
Explained clearly before you commit

How We Make Business Lending Easier

Navigating business finance can be complex—but it doesn’t have to be. At Pacific Horizon Finance, we simplify the process with honest advice, personalised support, and a clear path from start to approval.

Finance That Fits Your Industry

Different industries face different challenges. We help you access funding that aligns with your sector and your goals.

Industries We Support

Retail & Wholesale

Stock, supplier payments, invoice finance.

Finance to keep your shelves stocked and business flowing.

Fast-paced sales cycles and supplier deadlines can put pressure on cash flow. These funding options may help:

Trade finance or business overdrafts to pay suppliers promptly
Invoice finance to access funds tied up in customer invoices
Working capital loans for managing day-to-day expenses or stock purchases

Get in touch →

Healthcare & Medical

Equipment, property, and fit-out finance

Finance tailored for doctors, dentists, and allied health professionals.

Whether you’re setting up a practice, upgrading equipment, or expanding locations, common finance options include:

Medical equipment finance with flexible terms
Practice fit-out loans or commercial property loans
Lenders who assess income based on Medicare billings or service contracts

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Childcare & Aged Care

Property, renovation, and cash flow support

Funding to support quality care and sustainable growth.

Operators in care-based sectors may face rising costs and complex regulations. Finance options may include:

Business loans for renovations or compliance upgrades
Cash flow finance for seasonal or government payment delays
Property loans for acquiring or refinancing centres

Get in touch →

Construction & Trades

Progress payments, tools, and project cash flow

Finance that fits your project timelines and payment cycles.

Managing upfront costs and irregular income can be tricky. These finance solutions may help:

Progress payment loans or equipment finance
Unsecured short-term business loans for bridging income gaps
Invoice or contract finance to smooth out large project payments

Get in touch →

Important Note Always speak with a qualified accountant for tax and depreciation advice before making a decision.

Have Questions? We’ve Got Answers

From first-home loans to business finance, we’ve answered the most common questions to help you feel informed and confident.

Browse Our FAQs