We are not your average Broker.

At ICS Business & Finance, we help businesses and individuals secure the right financial solutions with integrity, strategy, and a customer-first approach.

Clients We’ve Worked With
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At ICS Business & Finance, we believe finance should be empowering, not overwhelming

We are a one-stop shop with extensive and diverse expertise across business loans, home loans, and asset finance. We specialise in helping SMEs and individuals navigate the complexities of finance with confidence. Whether you’re growing a business, purchasing property, or investing in assets, we’re here to make the process seamless and strategic.

What Sets Us Apart? Our strong values.

• Integrity

We believe in transparency and clarity. Finance can be overwhelming, but we simplify the process, ensuring you understand every step. No hidden fees, no surprises—just honest guidance.

• Customer-Centric Approach

We do more than just secure funding; we make finance seamless and stress-free. From handling paperwork and lender negotiations to bringing documents to your doorstep, we take the hassle out of the process. And it doesn’t stop at approval—our relationship continues through settlement to ongoing check-ins to ensure your finance keeps working for you.

• Sustainability

Ethical lending means more than just responsible finance—it means structuring loans that support long-term financial health, not just short-term gains. We focus on securing finance that aligns with your growth and stability so you’re set up for success, not setbacks.

Unlike a standard mortgage broker, our 35+ years across finance, accounting and banking give us an eye for finding solutions that many brokers overlook.

Whether it’s due to your self-employed income for your first property purchase or leveraging your business's assets and equity for growth, we will be able to structure your finance in a way others might miss, providing solutions that put you in control.

ICS Business & Finance specialises in:

Home Loans

Securing the right mortgage solutions for first-time buyers, investors, and refinancers. We also support with cashout for renovations, alternative investments and accessing equity in your current property.

Business Loans

We specialise in helping SMEs access working capital through trade finance, invoice finance and overdrafts. We also support with business acquisitions or secured business loans that a business may need for growth.

Equipment Finance

Finance for vehicles, trucks, machinery, yellow gear, agriculture and equipment (including beauty and medical) to help your business grow.

Commercial Loans

Helping SME’s and individuals securing commercial property to reduce their business lease expense or for investment purposes, including for your Self Managed Super Fund.

We work with multiple lenders to find the best terms and rates tailored to your needs.

What our clients say

  • “You have a huge wealth of experience paired with professionalism and a genuine drive to push for positive outcomes. “

    What a great experience with Kelly and Sheleila. We have had some time to reflect on this incredible journey that we have (all) been on, and wanted to thank you for the work and dedication that you put into our dream. The level of support that you gave us was truly inspiring, and gave us the confidence to keep pushing. We'll see you on our next adventure!

  • “ICS has been absolutely incredible to the very last detail.”

    Not only have they provided me with transparent information relevant to my current situation and understanding but they have gone above and beyond to educate me, and keeping me up to date with my position for future endeavours. I'm excited for what the future has to offer and can't wait for the fruits of my next investment. Thank you dearly 💛 😊

  • “I was able to make an informed decision and commitment, and the product recommended to me was specific to my needs and circumstances.”

    Sheleila and Kelly were a big help in working towards my business growth, especially through the education and patience in workshopping with me through possible options. I highly recommend any small business to work with these 2 hard working and personable ladies at ICS.

  • “Kelly's genuine commitment to helping clients succeed stood out as she treated me with respect and provided tailored advice.”

    I consulted with Kelly recently, and it was truly delightful. Despite not being ready for finance yet, Kelly provided invaluable guidance on what steps I should take to prepare. Her professionalism and expertise were evident from the start. Her patience and thorough answers made me feel empowered. I highly recommend Kelly for her dedication and genuine concern for clients' well-being.

  • “Kelly was fast, detailed and informative and even willing to accommodate after hours and weekend communications which made it so efficient and convenient for me.”

    I had a fantastic experience engaging with ICS for my refinance. I would recommend ICS to look after your financial needs and advice. Great job really happy with the outcome.

  • “The whole process was made very simple, explained clearly, and we we were kept well informed every step of the way.”

    ICS helped us manage and consolidate our debts. We couldn't be happier with the outstanding service Kelly and Sheleila provided. We would highly recommend to anyone looking to re-finance.

ICS Business & Finance was built on the belief that finance should be a tool for opportunity, not a roadblock.

Too often, businesses and individuals feel like just another number in the system—navigating rigid lending criteria, confusing processes, and one-size-fits-all solutions. We knew there was a better way.

Founded by two of the few female-led commercial brokers in the industry, ICS brings a fresh perspective to finance—one that’s driven by relationships, results, and a genuine commitment to our clients' success.

With over 35 years of combined industry experience, including experience at both NAB and CBA, we’ve seen firsthand what works (and what doesn’t) when it comes to structuring finance in a way that truly benefits businesses and individuals.

$4.7M+

86+

In Approved Business Loans

Happy clients

35+

$7M+

Years of combined experience

In Approved Home Loans

But ICS is about more than finance

We believe in giving back, creating opportunities, and using our expertise to uplift others. That’s why we actively support community initiatives, sponsor local businesses, and part of our settlement gift goes toward feeding the homeless in Perth. Finance is about more than numbers—it’s about impact.

Our core values of integrity, customer-centric approach and sustainability shape everything we do. At ICS Business & Finance, we’re not just here to get you a loan—we’re here to help you build, grow, and succeed for the long run.

Getting started is simple:

Information gathering & strategy

Following a conversation, we will request high level upfront information so we can analyse your position and assess.

Summary & workshop

We workshop your position with lenders for you and summarise your best options based on your goals, liaising with you for any nuances we might find. Essentially, we do all the heavy lifting for you!

Decision & solution

With multiple options presented to you, we will work through each option to see what best fits you.

Application through to settlement

We’ll handle everything from paperwork to communication with lenders, making sure your application is quick and easy. We keep you updated and manage any issues that come up and can request escalations if required. As settlement nears, we coordinate with all parties to ensure a smooth process. Our goal is to make it hassle-free for you.

Ongoing Support

Our service doesn’t stop at settlement. We provide ongoing support, regular financial check-ins, and personalised guidance to help you stay on track. We’ll review your financial situation, offer advice on any adjustments needed, and help you navigate any changes so your solution always aligns with your goals. You can rely on us for continuous support to ensure your finances are working for you in the long term.

Ready to take control of your finances and grow your wealth?

Contact us today for a free consultation and start your journey toward smarter financial solutions.