How do I get a business loan in Rockingham?

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.

Our work comes in shutdown bursts. Will the quiet weeks count against us?

No. Concentrated work is normal in industrial services and the statements make the cycle plain. We size the facility so the repayment is comfortable between bursts, not only during one.

Do you lend across the rest of Perth's south and the Peel region?

Yes. Eligibility is based on how the business trades rather than where it is registered, so operators in Kwinana, Mandurah, Pinjarra, Cockburn and Armadale 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.

ROCKINGHAM BUSINESS LOANS

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

Short-term working capital for established Rockingham 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 finance broker and a tradesman client going through a document together

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

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

A Rockingham 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

Rockingham businesses we lend to

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

Trades and subcontractors across Perth's south
Construction fit-out and civil contractors
Industrial services and fabrication for the Kwinana and Henderson precincts
Defence supply and facilities contractors
Transport and heavy haulage operators
Healthcare and allied health practices
Hospitality and retail operators along the coast
E-commerce and service businesses across the region

Why GreyRok

What Rockingham 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 Rockingham.

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.

ROCKINGHAM DEMAND

Why Rockingham SMEs are funding-active

Nearly one business in four in Rockingham works in construction, the highest share of any region on this list. It is also the smallest business base here, which means a single large job is a much bigger proportion of a year than it would be in a capital.

People in the City of Rockingham: 159,934People in the City of Rockingham
Businesses in the City of Rockingham: 6,597Businesses in the City of Rockingham
Employing 1 to 19 people: 2,292Employing 1 to 19 people
Construction businesses, nearly one in four: 1,629Construction businesses, nearly one in four

Residential growth through Baldivis, Port Kennedy and Secret Harbour keeps local trades busy, and the businesses doing that work are small. Carrying a job through to the progress claim is a real strain when the job is a large share of the year.

The Kwinana industrial strip and the marine complex at Henderson run on shutdowns, sustainment and fabrication contracts. Work arrives in concentrated bursts, and the crews and consumables for it are paid for before the invoice is raised.

With fewer than 7,000 businesses in the local government area, most operators here are owner-run and thinly capitalised. One delayed payment matters more than it would to a business three times the size.

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 Perth's south

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

Rockingham

Rockingham
East Rockingham
Shoalwater
Safety Bay
Waikiki
Cooloongup

North and industrial

Kwinana Beach
Naval Base
Henderson
Medina
Calista
Orelia

South and east

Baldivis
Port Kennedy
Secret Harbour
Golden Bay
Warnbro
Singleton

Apply

Four questions decide whether Rockingham 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

Rockingham business loan questions

More for Rockingham businesses

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

Ready to fund the next job in Rockingham?

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