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Commercial and Business Finance Broker on the Gold Coast

business finance broker on the Gold Coast closing deals

Professional Lending Solutions: Your Business Finance Broker on the Gold Coast

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.

Business Finance Broker Handling Your Business Loan Needs on the Gold Coast

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.

The Benefits of Using a Business Finance Broker for Business Loans

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.

Phil and Dean

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:

Find the Best Solution

Because there are so many different options available for business loans on the Gold Coast, it can be difficult to determine exactly which one is going to offer the most benefits. Our knowledgeable brokers can advise which business loan product will best suit your needs, whether you’re expanding the family business, purchasing a new office or seeking funding for a start-up.

Gain Access to the Widest Range of Lenders

Professional Lending Solutions have a panel of lenders that offer a wide range of business loans on the Gold Coast. This allows us to consider your particular circumstances, examine and compare the various loan products available from all the different lenders and then make recommendations on which product will work for your business.

Honest and Tailored Advice

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.

Have Minimal Stress Throughout the Whole Process

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.

Our Services: Diverse Loan Options Tailored for Your Business

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.

entrepreneurs happy with their business finance broker's help in securing business loans

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.

Business Loan Features and Details

Our loan products come with detailed structures, offering flexibility and clarity.

Term Loans (Secured and Unsecured)

We offer assistance with both secured and unsecured bank loans. Secured loans require collateral (Property), which can result in lower interest rates. Unsecured loans, on the other hand, do not require Property Security (Typically secured against the Balance Sheet of the Business) but may have higher interest rates due to the increased risk to the lender. We can guide you through choosing the right type based on your business needs and financial situation.

Commercial Overdraft

A commercial overdraft facility allows your business to withdraw more money than is available in your business bank account, up to an agreed limit. This can be a flexible way to manage cash flow, particularly to cover short-term expenses or unexpected costs. It’s like having a safety net that ensures liquidity even during uneven cash flow periods.

Invoice Financing

This solution involves borrowing against the amounts due from customers, helping to improve cash flow, pay employees and suppliers, and reinvest in operations and growth earlier than you could if you had to wait until your customers paid their invoices. It’s particularly useful for businesses with longer invoice payment cycles.

Trade Finance Facility

This solution involves borrowing to fund specific stock purchases from overseas for a given period, typically 120-180 days, enabling time of the stock to arrive, be distributed, sold and payment received, so that you can then payout the Trade Funding provided. This facility can be particularly appealing to growing businesses that Import stock from overseas that can be subject to length order and shipment timeframes.

Low-Doc Business Loans

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.

Equipment Loans

These loans are specifically for purchasing business equipment. Instead of paying the full cost upfront, you can spread the cost over time, which can help manage your business’s cash flow. The equipment itself often serves as collateral for the loan, which can help secure lower 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

two business people talking about business loan options

Benefits of Choosing Professional Lending Solutions

Professional Lending Solutions stands out as a beacon of trust and efficiency, offering a suite of tailored financial services designed to meet the diverse needs of modern businesses. Our commitment to providing personalised, flexible, and comprehensive finance options not only simplifies the process of securing funding but also ensures that each business we partner with is equipped with the tools and resources needed to thrive.

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.

Client Success Stories and Case Studies

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.

$6m in Commercial Lending for Management Buyout – Childcare Industry

childcare industry case study for business finance broker service

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.

childcare industry case study for business finance broker service
commercial facilities obtained via a business loan using a finance broker service

$16.6m New Commercial Facilities

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.

Term Debt Funding – Multi-national business with complex ownership structure

commercial structure leased with the help of Professional Lending Solutions business loan service

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.

commercial structure leased with the help of Professional Lending Solutions business loan service

More Videos on Business Finance From Phil

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.

FAQs About Business Finance on the Gold Coast

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.

5-star reviews from happy clients!

Charles FraserCharles Fraser
06:05 05 Feb 24
Phil and the team at Professional Lending Solutions provide a great service, have a wealth of knowledge, and conduct their business in a very professional and timely manner. I would recommend them to anyone looking for finance.
Sara AllanSara Allan
03:51 13 Jan 24
We couldn't recommend Phil and his team enough! We've been working with Phil for about six months to get us to a position where we are able to purchase our own home, and are getting ready to move into our dream home as we speak.Phil's been straight up with us in regards to our options throughout the whole journey, and worked with his connections to get our application across the line amid investment property settlements, and the added complication of both of us owning our own businesses.We hope to never move again (!) but will be back to talk to Phil for our refinance options in the future 🙂
Rachel PounderRachel Pounder
23:25 08 Nov 23
Phil was amazing to work with, very knowledgeable and was a stress free process to refinance my loans. Would highly recommend his services.
Melissa SilkMelissa Silk
09:40 11 Oct 23
Phil was recommended to us and we could not be happier with the result we achieved having him by our side for the sale of our home and the purchase of our new home.Phil was incredibly prompt, honest and professional. He addressed every single query (and there were MULTIPLE) in such a timely manner. Phil helped map out the nitty gritty details from the get-go with honesty and his professional opinion so that when we decided to go ahead and buy in this current market, instead of waiting, we were able to achieve settlement in such a tight timeframe (21 days to be exact). We will DEFINITELY be approaching Phil in the future and are 110% more than HAPPY to recommend him to friends and family. Jenny, thank you for being the behind-the-scenes magician during our entire journey. We are very appreciative of your hard work (especially in the moments right before settlement).
Ben ShieldsBen Shields
22:32 20 Sep 23
I have been using Dean for all my financial requirements for a few years now, along with others in my family. He has become our family finance guy. He always finds the right deal, gives great advice and makes the journey easy. I recommend to anyone !
Anton HermantoAnton Hermanto
05:34 31 Aug 23
I was recommended the service of Phil through my Real estate agent.,if you need assistance with your home lending please go and see Phil, exceptional service and with his corporate Banking background he understood our finance need and was able to recommended the right product for us.Thank you Phil & team
Andrew ThorntonAndrew Thornton
01:20 28 Aug 23
Phil was brilliant. The turnaround for our re-mortgage was very quick, and Phil made the process seamless. Would recommend 10/10.
Keeley-Anne loweKeeley-Anne lowe
05:37 18 Aug 23
Phil & his team are amazingThey supported us through buying our first home in Australia, they were always on hand to answer our many questions either via email, phone or in person.Super professional but also down to earth and friendly- would 100% recommend
Jason in Byron BayJason in Byron Bay
08:30 17 Aug 23
Great team and very easy to work with with....Highly recommended
Dino BaroneDino Barone
07:38 17 Aug 23
I cannot express how grateful I am for the exceptional service I received from Phil during my journey to buy my first home. From the very beginning, his dedication to guiding me through the complex process of obtaining a mortgage was truly remarkable.Phil demonstrated a level of honesty and transparency that I never expected from a mortgage broker. He patiently walked me through all the available options, explaining every detail in a way that made sense. His expertise gave me confidence in the decisions I was making.What truly set Phil apart was his commitment to my best interests. He went above and beyond to find a loan that was tailored to my financial situation, ensuring that I wasn't taking on more than I could handle. His advice was always genuine and well-informed, and I never felt pressured into making any decisions.Throughout the entire process, Phil was incredibly responsive. He promptly answered all my questions, no matter how big or small. It was evident that he genuinely cared about my experience and wanted to see me succeed in securing the best mortgage for my new home.I cannot recommend Phil highly enough.
Eliza SmithEliza Smith
20:40 14 Aug 23
Phil and the team at Professional Lending Solutions worked with us efficiently to help us secure our family home. The team kept us informed and helped us every step of the way. Our experience with Professional Lending Solutions was fantastic and I would highly recommend!
Roland PetersonRoland Peterson
22:59 03 Aug 23
This business does a very professional job and made the whole process of our financial application smooth and easy. Phil also was very responsible and respectful and i felt we could trust him and his process as well. Highly recommend this broker!
Nick TurnerNick Turner
06:52 02 Aug 23
As a first home buyer the whole process was a bit daunting. Phil and the team were in real and simplified the lot. They really went to battle with the banks for me (being self employed) and got me the best possible outcome. Can’t recommend them high enough !
Harley BericHarley Beric
07:12 21 Jul 23
Phil and his team went above and beyond with the service they provided.I have been a long term client of PLS as I could not find a house that met my budget.Phil was very understanding as he listened to all my questions I had to ask. He provided me honest feedback which made me feel safe and comfortable that I made the right choice in choosing him.Because it was my first time buying, PLS answered every question I had without frustration or judgement as they had to explain things to me once, twice and something a third.It was a very stressful life decision that should not be taken lightly and with Phil and his team behind you, you will never be made to feel as if you made the wrong choice with choosing them as a Broker.Many thanks once again.
Sinead BroadmoreSinead Broadmore
09:01 08 Jul 23
We couldn't recommend Phil and his team enough. They were amazing and so helpful through the whole process. Having only moved to the country 6 months prior it was a stressful situation for us but they made it so easy and stress free. Will definitely use them in the future if need be!!
Nathan ThomasNathan Thomas
03:20 20 Jun 23
Phil and the team from Professional Lending Solutions were very easy to work with and as with the name states were very professional!For clarity I’ve known Phil for many years and I’ve seen how he was able to help others get into their first homes and even second homes. It was now our time for the team to help us.We had many questions and were able to get all the answers we needed to make the right decisions.If your looking for a professional team that takes the time to explain all the processes, keeps you informed and gets things done then take the time to give them a call to see how they can help make your dreams a reality!
Donna hughesDonna hughes
05:53 22 May 23
We went to see Phil to refinance our home loan and consolidate our loans. Phil was full of information and very professional. We couldn't believe how quick Phil had got everything done for us. So thankyou very much Phil we would definitely be referring family and friends.
Phil, Jenny and the team at Professional Lending Solutions were more than what we could of hoped for. Very informative and were there through every step of the process. We couldn't done it all without them. I cannot recommend them highly enough. Every single one of the team is friendly and totally professional and helped put us at ease through every step.Thank you!
Marie HibbertMarie Hibbert
01:05 21 Mar 23
We were reccomended Phil and his team from word of mouth (people I work with). As first time buyers we had many questions and alot of learning to do. Phil and his team were always a email or phone call away and were happy to answer all the questions we had. The process was easy from our very first face-to-face meeting and we felt confident in putting our trust in this team. Thank-you so much for starting us on a property journey. We would highly recommend their business! Pete and Marie
Kyle RobinsonKyle Robinson
03:20 14 Mar 23
Phil & his team were absolutely amazing through the whole process of buying our home. They were happy to answer any and all of our questions no matter how silly they were and guided us through the whole process. They made buying our home stress free and let us enjoy all the excitement without having to be concerned about all the small details.If you are looking to buy a house or even just considering it you should definitely give Phil and his team a call. They will get you right on the path to your home.
BrentBrent
00:27 14 Mar 23
Phil got our first home loan 8yrs ago when we thought we couldn't and since then we've refinanced several times to ensure best rates as well as a business car loan. Always a personal approach, highly recommended.
Michelle KMichelle K
03:14 08 Mar 23
The best brokers in the business.Phil and the team at PLS went above and beyond to help us refinance our mortgage and find the best solution for our circumstances.Phil is professional and fantastic to deal with.Highly recommended!
jake smithjake smith
08:30 19 Jan 23
Very happy we went with Phil and his team, being our first home we didn’t know what to do or understand a lot about buying a property we just knew we wanted one and Phil and his team walked us through every step and made it easy! Would 200% recommend
Sarah CameronSarah Cameron
00:13 11 Jan 23
Mel, Phil and the team at Professional Lending Solutions were simply amazing. Nothing was too much of a hassle. They made the whole experience extremely easy, stress free and had it approved within 3 days. We couldn't be happier with the service and would highly recommend their business! Will be using again!
Kirsty ScottKirsty Scott
07:53 15 Nov 22
Phil was incredibly helpful, patient and honest throughout the entire process of re-financing. I appreciated his thorough and detailed answers to my questions, as well as his amiable nature. He was open and spoke with great candour, ensuring the entire process was simple, stress free and, straightforward. All in all a top bloke and skilled broker who I would certainly recommend. Thanks again!
Lisa VinczeLisa Vincze
10:00 29 Aug 22
You should use Phil and the team at Professional Lending Solutions! We have used them a couple of times and they make it so much easier to manage the mortgage process - and know you’re getting the best personalised deal. Phil is so lovely and very responsive. Will be using them again.
Jordan SummersJordan Summers
00:29 29 Aug 22
We recently went through the often stressful process of selling our home and purchasing another. Phil and his team came up with the best tailored finance solution for our situation and were always on hand to provide guidance around the process from start to finish.I couldn’t recommend Professional Lending Solutions any higher, they were simply superb to deal with!!!!
Jennifer McLeodJennifer McLeod
00:20 29 Aug 22
Many thanks to Phil and the wonderful Professional Lending Solutions team! Having Phil in our corner for our financial needs has played a key role in securing the appropriate home loans for us. Highly recommend!
Renee AgnewRenee Agnew
02:57 04 Aug 22
Phil Verheijen has been fantastic in providing advice on all matters of the lending system for purchasing my first property. I can highly recommend Phil as he is genuine and professional. Also his friendly team were extremely helpful.
Diana SaragozzaDiana Saragozza
04:19 27 Jun 22
Professional Lending Solutions were absolutely amazing. After several bad experiences with other brokers in the past. These guys were straight to the point, very professional, excellent customer service and got our loan approved so quickly. They provided support and advice before and after the purchase of our home.Highly recommended.
Michael FryerMichael Fryer
06:47 27 May 22
Dealing with Phil and the team at Professional Lending Solutions was amazing.Absolutely incredible communication and professional support and advice throughout.Phil was happy to answer all our questions and explained the process to us with great detail.If you ever need a good broker please do yourself a favour and see Phil. You will not be disappointed. Thanks again Phil and the team at Professional Lending Solutions. Keep up the great work.
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