Finance solutions for established and growing businesses
From purchasing equipment to managing cash flow or funding an acquisition, Winterfold structures commercial finance around what the business needs to achieve.
Asset Finance
Finance for equipment, machinery, plant, trucks, vehicles and fleets, structured around the asset and your business cash flow.
Commercial Property
Finance for commercial property purchases, investment assets, refinancing and development requirements.
Working Capital / Cashflow Funding
Flexible funding for operating cash flow, seasonal requirements, inventory, contracts and other short-term business needs.
Insurance Premium Funding
Spread eligible business insurance premiums over manageable instalments to help preserve working capital.
Surety Bonds / Bank Guarantees
Support contractual and commercial obligations with appropriately structured surety bonds and bank guarantees.
Business Acquisition Funding / M&A
Finance for business purchases, mergers, acquisitions and succession opportunities, structured around the transaction.
Debt Advisory Services
Advice and support for refinancing, restructuring existing debt and negotiating commercial funding arrangements.
Industries we support
Different industries have different cash flow cycles, assets and funding pressures. Winterfold works across key WA sectors to structure finance around how businesses operate.
Mining & Resources
A core Winterfold sector, with finance across equipment, working capital, bonding, bank guarantees and business growth.
Construction & Infrastructure
Equipment finance, working capital, surety bonds and bank guarantees for contractors and project-based businesses.
Transport & Logistics
Fleet and equipment finance, insurance premium funding and working capital for transport and logistics businesses.
Agriculture
Finance for machinery, seasonal requirements and other capital needs across farming and agribusiness.
Healthcare & Medical
Funding for practices, fit-outs, medical equipment, property and business growth.
Professional Services & SME
Commercial finance for established SMEs and professional firms investing in growth, acquisitions, assets or working capital.
Mining & Resources
A core Winterfold sector, with finance across equipment, working capital, bonding, bank guarantees and business growth.
Construction & Infrastructure
Equipment finance, working capital, surety bonds and bank guarantees for contractors and project-based businesses.
Transport & Logistics
Fleet and equipment finance, insurance premium funding and working capital for transport and logistics businesses.
Agriculture
Finance for machinery, seasonal requirements and other capital needs across farming and agribusiness.
Healthcare & Medical
Funding for practices, fit-outs, medical equipment, property and business growth.
Professional Services & SME
Commercial finance for established SMEs and professional firms investing in growth, acquisitions, assets or working capital.
Our process
We follow a clear, disciplined approach to commercial finance because certainty starts with understanding the requirement.
Discovery
We take the time to understand your goals, cash flow, existing debt and strategic timeline.
Structuring
We identify an appropriate finance structure and suitable lender options for your circumstances.
Execution
We manage the process from submission and lender discussions through documentation and settlement, keeping you informed along the way.
Ongoing Partnership
Settlement isn’t the end of the relationship. We remain available to review facilities and help your finance structure evolve with the business.
Commercial finance with the business in mind
Winterfold Finance is a Western Australian commercial finance brokerage built around a simple idea : certainty matters.
Businesses don’t just need access to capital. They need a finance partner who understands their goals, moves with their decisions and considers how funding fits into where the business is headed.
Working across asset, commercial and business finance, Winterfold helps WA businesses fund growth, manage cash flow and navigate major transactions with greater clarity and confidence.
