Who we are
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 structures funding around where the business is headed. Our approach starts with understanding where the business is headed, then considering how the finance can support that direction.
Working across asset, commercial and business finance, Winterfold helps WA businesses fund growth, manage cash flow and navigate major transactions with confidence.
OUR MISSION
Partnering with businesses to achieve strategic financial outcomes.
OUR VISION
To become WA’s most respected and trusted commercial finance partner.
What we do
Winterfold provides commercial finance solutions across different stages of the business lifecycle.
Asset Finance
Equipment, machinery, vehicles and other productive business assets.
Commercial Property
Property purchase, investment, refinancing and eligible development requirements.
Working Capital / Cashflow Funding
Finance for operating liquidity, contracts, seasonal requirements and growth.
Insurance Premium Funding
Spread eligible business insurance premiums across instalments rather than absorbing the full annual cost at once.
Surety Bonds / Bank Guarantees
Support tender, contract, lease and other commercial obligations.
Business Acquisition Funding / M&A
Structured funding for acquisitions, buyouts and succession transactions.
Debt Advisory Services
Strategic support for refinancing, restructuring and complex debt requirements.
Our values
Built on clarity, speed, and sharp commercial acumen, our values drive every deal we structure and every lending relationship we manage.
Jacob McDonald
Director & Principal Finance Broker
Jacob McDonald founded Winterfold Finance on the principle that businesses deserve a finance partner who understands their industry, speaks plainly and delivers a considered finance strategy.
His focus spans Commercial Finance, Asset Finance, Debt Advisory and Working Capital.
Jacob’s approach goes beyond placing debt. He works directly with clients to understand their structure, strategy and growth plans before considering how finance should be designed and taken to market.
That direct involvement gives clients a clear point of contact throughout the finance process.
Our process
Winterfold follows a considered process because certainty starts before a requirement reaches a lender.
Access the Winterfold Finance Capability Statement
The Winterfold capability statement provides an overview of the business, services, industries, leadership, process and credentials.
Industries we understand
Winterfold works across key Western Australian sectors including Mining & Resources, Construction & Infrastructure, Transport & Logistics, Agriculture, Healthcare & Medical, and Professional Services & SME.
Industry context matters because assets, operating cycles, contracts and funding pressures differ from one sector to another.
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.