A vision for better business finance

Before launching White Horse Finance, Kanwal had a decade-long career in banking and finance, working with large financial institutions and boutique firms. Over the years, he realised that so many small business clients struggle to secure funding due to rigid lending criteria and a lack of personalised support from traditional lenders.

It was an AHA moment for Kanwal, who was inspired to start his own brokerage business focused on providing companies with the right financial solutions, no matter how big or small they are.

White Horse Finance isn’t just a name; it reflects Kanwal’s values and vision.

“White stands for transparency, honesty and being accountable. There’s nothing to hide,” he explains. “And I chose the horse because it’s strong, meant to compete to win. So together, White Horse is about doing the right thing, delivering on our promises, and being competitive in the finance space.”

Kanwal believes his commitment to strategic partnerships, leveraging digital solutions, and continually improving on the experience he delivers to his customers has been key to White Horse Finances’ success.

“We stand out as a broking business that actually delivers and targets the small business market…75 per cent of brokers out there focus on writing home loans, and I get it,” says Kanwal. “But we’re supporting a niche in helping small to medium enterprises achieve their financial and personal goals.”

Making funding fast, easy and impactful

For Kanwal’s clients, quick access to funds can make a real difference when navigating seasonal peaks or unexpected business costs. “Prospa makes the whole process seamless. It’s so much easier compared to traditional lenders, and my clients appreciate how fast they can get their funds.”

Kanwal has been able to work with his clients to find the right solution and says the real reward is seeing how timely funding positively impacts his clients’ operations and growth.

“There was a seafood business that we assisted ahead of the busy 2024 Christmas period. They needed more cash flow to buy and upgrade their aquariums for live seafood. But buying a massive aquarium that can cater for hundreds of fish is not the sort of equipment that traditional banks would fund,” Kanwal explains.

“With the assistance of Prospa, we were able to secure the funding required, the client was able to multiply their revenue during the summer season and has been able to pay off the debt sooner, all because they were able to execute their plans.”

It’s the kind of result, Kanwal says, that’s harder to achieve with a traditional lender.

The power of Prospa IQ

For Kanwal, speed matters, but so does smart technology. Digital tools that simplify the lending process and offer greater clarity are game changers for his business and his customers. Prospa IQ, has helped streamline how he assesses borrowing potential for clients.

“With Prospa IQ, we’re able to clearly understand what we can assist the client with. This gives us transparency around the level of support available with cash flow or business lending,” Kanwal explains.

A trusted partnership

For Kanwal, working with Prospa is about building long-term relationships. One key element of this successful partnership is his relationship with his Prospa Business Development Manager (BDM), Jaime.

“Jaime has been a fantastic operator. It goes back to the ethical work environment that we’ve created, where we want to deliver results for our clients and meet our commitments. Having the right partner as a BDM to accelerate those things really helps our business succeed,” Kanwal says.

“Once you know your clients, you know their business, you know their short-term to long-term goals, you really create a niche in adding a great degree of value… The value is knowing where they want to be and then finding the right solution to bridge that gap. That’s where we get sticky customers—clients that want to work with us and refer us,” he adds.

Finally, Kanwal’s advice to other small business owners is simple: back yourself.

“The biggest part is self-belief,” he says. “I sat on the name White Horse Finance for six years before I launched. No regrets, but I probably should’ve done it sooner. So, if you believe in something, have the conviction to go for it. Talk to experienced people, find the right partners, build your network, and have the courage to speak up. The rest will follow.”