Why go it alone when you can have an expert by your side? Partner with us at Professional Lending Solutions, and let us empower your business journey on the Gold Coast with our comprehensive, customised, and local-focused loans for business and commercial needs. Our commitment goes beyond just providing business loans; as a business finance broker, we aim to be a supportive partner in your company’s growth and success in this vibrant coastal economy.
The team at Professional Lending Solutions have extensive experience in the commercial finance sector.
Before becoming a finance broker our Managing Director, Phil Verheijen, spent 12 years working in management roles in Commercial Finance and obtained a Bachelor of Business (Finance), followed by an MBA majoring in International Business. This real-life experience has given him an outstanding knowledge base of all types of lending solutions, from home loans to car finance and personal loans, from simple mortgages to complex commercial files with group borrowings over $30M. His years of experience have taught Phil to appreciate personalised customer service and the importance of putting a client’s best interests first.
As the owner of a small business, Phil understands the unique challenges that come with running a business. He now has a client base where 65% are self-employed and is known locally as a “self-employed specialist” (something that he’s very proud of!).
Phil’s professionalism and commitment to working in the best interests of his clients is evident in his numerous positive reviews and in his industry accolades. Phil was named ‘All Round Broker of the Year’ at the 2023 Connective Excellence Awards and ‘Best Finance Broker in QLD’ at the 2023 Better Business Awards.
Dean Whitchurch joined Professional Lending Solutions in 2020 after 13 years in Commercial and Corporate Banking across two of the ‘Big Four’ banks. Dean has always been passionate about supporting business owners in their pursuit of short-, medium- and long-term goals. He was motivated to pursue a career as a mortgage broker because he realised that he’d be better equipped to help business owners if he had access to a broader panel of lenders.
In addition to a Bachelor of Business (Finance), Dean has a wide range of experience with customers of all sizes and complexity, operating in different industries, markets and geographic locations. He specialises in Commercial Finance, with a particular interest in cash flow lending. From sole traders buying a new work vehicle to multiple acquisitions under a complex group structure, Dean’s strength is in his ability to effectively communicate the needs of a customer in language that a lender will understand.
Phil has been awarded Best Finance Broker in QLD in 2023 and Best All Round Broker 2023.
When you partner with the team at Professional Lending Solutions, you can rest assured that you’ll:
Our business finance brokers are committed to working in your best interests. This means we’ll always give you our honest and professional opinion – not just the answer we know you want to hear. We’ll provide you with advice that is tailored to your situation.
When you work with a finance broker from Professional Lending Solutions, it’s like having a professional coach, personal assistant and office administrator all rolled into one. We’ll take care of the paperwork, chase up lenders, advocate on your behalf and ensure that any issues are handled promptly.
At Professional Lending Solutions, our commitment to empowering businesses is reflected in the success stories of our recently funded clients.
These real-life examples highlight the transformative impact of our financial solutions, illustrating how we not only provide funds but also foster the growth and success of diverse businesses across various industries.
Our client was operating 3 leasehold Childcare Businesses which they had opened progressively over the last few years, with two (2) of the centres were still in trade-up phase.
Client approached us as Partners were going their separate ways and they required funding to enable a Management Buy-out to be completed, which included a refinance of their existing Term Debt facilities.
We were able to develop an intimate understanding of the business, occupancy levels & trends which underpinned future cash flows and provided a funding solution which enabled the management buyout to be completed in a timely manner.
Client was seeking funding for a Commercial Property as well as another Business being acquired separately. As part of these we restructured existing facilities and provided an increase of $7m.
Facilities included a mix of secured (property) term debt, unsecured (Balance sheet) term debt, working capital facilities and Equipment Finance.
We were able to demonstrate the unique strengths of this business, and the underlying cash flow (both historically, and projected) and articulate these in a manner which our lending partners were able to get comfortable with quickly.
This ultimately ensured that required facilities could be approved in a timely manner, ensuring the client could successfully complete both acquisitions and have appropriate facilities which sees them well placed to achieve their growth objectives in FY24 & 25.
Our client is a well established multinational business with operations across several countries. They approached us as the lease on their Commercial Premises in Australia was coming to an end and they wanted to purchase the property to secure the future of their Australian operations.
We were able to develop an understanding their business quickly, the unique strengths that made them successful and a very complex ownership structure which included owners in different countries, as well as sovereign interests.
We were able to find our client a funding solution, and they were able buy their premises, saving them from significant business interruption and relocation costs.
Our client approached us looking to buy new vehicles and was seeking a $50,000 overdraft to support their continued business growth.
Our strong understanding of the policies of various lenders ensured that we could secure the finance for two new vehicles quickly, and we had an unsecured overdraft of $50,000 approved and funded within 24 hours.
Resolving this enquiry so quickly ensured that the client could get back to doing what they do best and focus on their growing business.
We know lenders, their policies and the paperwork requirements so that you don’t have to.
Our client approached us wanting help to buy a new Commercial Property to operate their business from.
Their business was going well when they sought our assistance, however, historically their financials and tax returns were not reflective of this.
Working with their Accountant, we were able to leverage their recent business success to source a Finance Solution, and ensure they could successfully complete the purchase of a new Commercial Property.
This enabled the client to use their ‘dead’ rent money to diversify their asset base so they could improve their overall Financial Position.
We will always take the steps we need to understand your full circumstances and work with third-parties to secure a solution that works for you.
Professional Lending Solutions is your commercial and business finance broker on the Gold Coast. We are your trusted partner in navigating the complexities of business and commercial loans. In today’s fast-paced business environment, the right financial support can be the difference between mere survival and spectacular success. That’s why we’re dedicated to providing tailored loan solutions that align with your unique business needs and aspirations.
Professional Lending Solutions is your business finance broker on the Gold Coast, specialising in understanding the unique business landscape of the region. Our extensive experience in this vibrant economic region allows us to offer tailored business finance solutions that cater specifically to the needs of Gold Coast businesses.
Whether you’re launching a startup, looking to expand your existing business, or navigating the complexities of large-scale commercial projects, our team is equipped with the local knowledge and financial expertise to support your ambitions.
Our services as your trusted business finance broker include a diverse range of business loans, from short-term bridging loans for immediate cash flow needs to long-term business loans for sustainable growth. We recognise that businesses on the Gold Coast require flexible and responsive financial solutions, especially in the face of the dynamic economic environment.
At Professional Lending Solutions, we understand that one size doesn’t fit all. Our extensive range of business loan types caters to varied business scenarios.
Working Capital Solutions – If your business has just won and significant contract? Or is going through a significant growth phase, you will notice that the money is flowing out before it comes in. Reach out to discuss what options we have available to fund the gap in your cash flows.
Business Expansion – Have you identified an opportunity to expand your business? Perhaps overing vertically integrated services or entering into a new Geographic market? Talk to us about how we can structure Funding for your business expansion.
Business Acquisition – Looking to buy an existing business to add to your current operations/portfolio, or get you started on your journey of Self-Employment? Lets have a chat about the different ways we have help make your dream become a reality.
Commercial Property Acquisition – Time to get out of the Rental Market and start paying yourself, or do you simply want to diversify your asset base? Acquiring a Commercial Property to either run your business from, or as a standalone investment, is a great way to retain more of what you earn and their are some great funding solutions available to achieve this, lets discuss what these look like.
Succession Planning / Management Buyouts – A changing of the guard in any business is always a delicate situation, and its important that this is completed smoothly. If you are buying out a business party it is possible to obtain funding for this using the existing value of the business, and there are many finance options available for this type of transaction.
Equipment Finance – Is your current fleet looking a little tired and in need of an upgrade? Or have you just won a contract and need Equipment to deliver on this? We have a wide range of Equipment Finance solutions available for all business types.
Property Development – Whether you are looking to build your own Commercial Space, or complete and Commercial or Residual Development we have the experience and know-how to deliver this for you.
No matter what your needs are, we have a comprehensive suite of Business Finance Solutions available through our broad panel of lenders to help you achieve your goals. Navigating Lenders Commercial Lending policies is becoming increasingly complex, let us take this stress of your hands so you can focus on what you do best, running your business.
Our small business loans are particularly popular among local business owners, offering them the agility and financial backing needed to thrive in this competitive market. Additionally, with our expertise in securing competitive business loan interest rates and our understanding of the local market, we ensure that your financial solutions are not just effective but also cost-efficient.
Our loan products come with detailed structures, offering flexibility and clarity.
Designed for business owners who may not have the full financial documentation usually required for a traditional business loan. Low-doc loans can be a solution for newer businesses or those with less established credit histories. They typically have a simpler application process but might come with higher interest rates.
Each of these financial solutions can be customised to fit the specific needs and circumstances of your business, ensuring that you receive the most suitable support for your financial goals. In most instances, the Finance Solutions that we present include multiple solutions covering the various funding requirements of your business
By choosing Professional Lending Solutions, businesses gain access to a wealth of benefits, including competitive rates, a wide range of loan products, and expert guidance every step of the way, making us an ideal choice for businesses seeking a reliable and supportive business finance broker and financial ally.
Professional Lending Solutions is more than just a business finance broker; we’re a partner in your business’s journey towards growth and success. With our comprehensive range of tailored financial solutions, expert advice, and dedicated support, we ensure that your business has the financial backing it needs to thrive. Contact us today to start your journey with a trusted financial ally.
The first thing we recommend is contacting an experienced commercial finance broker, as they can walk you through the whole process step-by-step. We’ll consider why you want to take out a business loan and how much you’re hoping to borrow. We can then review your business finances to determine which kind of business loan would best suit your needs and calculate your likely borrowing potential. Once we know what kind of loan you need, we can start comparing business finance loan products to determine which lender will offer the most suitable solution.
A business banking contact will be able to tell which business loan products are available to you…but only those that are offered by their bank. They won’t be able to tell you if a competitor offers a more suitable or more affordable product and they aren’t legally required to offer unbiased advice.
Depending on what you need the business loan for, you may have various options available. Which type of loan is going to provide the best outcome will vary based on the specific circumstances and structure of your business. The wise thing to do is talk with a business finance broker before you make a decision, as they will be able to offer tailored advice on which type of business loan you should apply for.
This will depend on a range of factors, including your business turnover and current financial situation. Additionally, most lenders will be looking at how long your business has been operating, why you need the loan, whether or not you have any unpaid tax obligations and what your business credit history looks like (i.e., do you pay your bills on time?). The other major factor to consider when contemplating how much you can borrow is whether the loan will be secured or unsecured.
A secured loan is one where your business has assets equivalent to the borrowed sum that you can list as a guarantee. If you were to default on a secured loan, the lender would be able to seize the listed assets to pay off the outstanding debt. An unsecured loan is one where you don’t have any assets listed as collateral. Because this represents a greater risk for the lender, an unsecured loan will typically come with a higher interest rate and be for a lower amount (when compared with a secured business loan).
This is another tricky question because the “best business loan” for one company won’t necessarily be the best business loan for every company. Most of the bigger banks in Australia will offer a range of business banking loan options, but eligibility for these products will vary. There are also a number of non-bank lenders who specialise in small business loans, which can be ideal for newer businesses that may struggle to obtain finance through one of the major banks. This is why it’s important to consider eligibility criteria and lender attitudes (not just interest rates) when determining which business loan will best suit your needs.
